Good, because you are wrong about a very important point and are actually spreading misiformation
This is the point that is totally wrong in 40 of the 50 states, including Iowa and Minnesota and Wisconsin. Those states and 37 more have Long Term Care Insurance Partnership, which allows an amount equal to the LTC insurance benefits paid by the insurer to be considered as an asset disregard, such that they are not considered when qualifying for medicaid and are not subject to being recovered from the estate.
The clearest quote I could find readily is from Wisconsin's Medicaid Eligibility Guide, as follows:
35.1.2 LTCIP Asset Disregard
35.1.2 LTCIP Asset Disregard
The LTCIP allows a person with a qualified long-term care insurance policy to have assets disregarded in the Medicaid eligibility determination, while at the same time protecting those assets from Medicaid estate recovery. Under the LTCIP, assets are disregarded when determining eligibility for EBD Medicaid programs, or any of the programs for Medicare beneficiaries (i.e., QMB, SLMB, SLMB+, QDWI ), up to the total amount of long-term care services paid by the qualified WI LTCIP policy on or after January 1, 2009. The amount paid out by the qualified LTCIP policy on or after January 1, 2009 is not counted toward the WI Medicaid asset limit,
nor is it recoverable under the estate recovery program.
Your claims of "clawback" and total asset degradation of the estate are completely false if a person has coverage that qualifies under LTCIP.
This is a little scary. I hope you're not advising anyone regarding LTC insurance. If you are, please do them and yourself a favor and go to a seminar or otherwise study such that you get rid of your misunderstandings. You could be giving bad advice for which you may be held liable.
Link to State of Wisconsin handbook:
www.emhandbooks.wisconsin.gov