Federal law (and Indiana's implementation) imposes a 5-year lookback period for Medicaid long-term care eligibility. Any uncompensated transfers (gifts, transfers to family members, transfers to a non-Medicaid-qualified trust) within the 5 years before applying for Medicaid can trigger a penalty period during which Medicaid won't pay for nursing home care. This is the main reason Medicaid planning needs to start years before care is actually needed — and the main reason elder law attorneys exist as a distinct practice area.

Estate planning attorneys in Indiana average $315 per hourClio Legal Trends Report 2025Verified Jan 1, 2025 for wills and estates work. Flat-fee packages run roughly $945–$1,890 for a simple individual will and $2,720–$4,080 for a basic revocable trust. Online and DIY services cost $30–$300 for the same documents — see the will cost calculator for a side-by-side comparison.

Indiana has a generous small-estate threshold of $100,000. Estates under that line can use the Small Estate Affidavit procedure, which is a form rather than a court case — most families can handle it without an attorney. For estates above the threshold, formal probate generally benefits from counsel because of the procedural overhead, even when nothing is contested. The Indiana probate calculator estimates total costs based on estate value.

In Indiana, the situations where retaining counsel is typically worth the cost are: blended families with children from prior relationships; ownership of a business, rental property, or significant investment assets; special-needs dependents who need a special-needs trust to preserve benefits; substantial property held in multiple states. If none of these describe your situation, the simpler online and DIY tools are often enough.