My 75 year old father which resides in Maryland had a consultation appointment yesterday with a lawyer specializing in elder care and estate planning with the thoughts of starting a family trust with about $500k in different short term CDs along with his home that he owns free and clear along with a few vehicles; everything adds up to about $1M…..after about a half hour consultation the lawyer he met with ended up talking him out of the trust and simply doing a will telling him long term care and Medicare don’t really look back five years anymore and he doesn’t need to worry about them taking everything to pay for nursing home costs if they’re needed. Is this correct?