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Anonymous asked in Society & CultureCultures & GroupsSenior Citizens · 2 months ago

Can senior sell house and use assets instead of turning over to medicaid?

(in the US).

This question came up in another category, and I can't find the answer.

Wife was in a nursing home for a few years (say 2014-2016). Husband sells house in 2017 and moves to a rental (2017-2019).  During those 3 years, he spends all assets (100K) from the fair market sale of the house (rent, food, non medical care, etc) Husband moves into a nursing home in 2020.

Can medicaid bill against the value of the home that was sold.

or was it acceptable for the husband to keep the money from the sale and use it to support himself in the rental?

will medicaid go after the estate for reimbursement


This is not me.  This is a follow up to another question asked by someone I don't know.  That person got a bill from medicaid, but its un clear if medicaid is specifically asking for the value of the house or if it was just a generic demand letter in case there are any assets.

Update 2:

This is NOT how nursing homes operate, this is US federal MEDICAID law.

Update 3:

federal mandate is 5 year look back

5 Answers

  • 2 months ago

    As I understand it, he can spend and waste all his money as long as he doesn't use it for the benefit of their children, and they will both be eligible for Medicaid.  That's the kind of reasoning our government uses.

  • Kini
    Lv 7
    2 months ago

    No, as soon as you have the money in a bank account or other account you have to report to Medicaid. They will find out when they check up on you periodically. You are not expected to give the profit from selling your home to Medicaid, just keep your assets below the maximum allowed. You should ask your county case worker what will happen if you go through with the house sale and have profit.

  • Anonymous
    2 months ago

    In the U.K. anyone with assets will be allowed to keep a certain amount of their banked money but will have to pay towards their care costs unless their assets are lower than that set amount.  For every pound they have banked - over that stated amount - they have to pay a certain amount of their care costs.  It is assessed by the government and, once their money has gone below the government threshold the state steps in and pays for the care in full.

    Many years ago all older people could have all their care costs paid, regardless of their savings. That came to an end quite a long time ago - some think that having to pay is fair some think it's very unfair but the government does not have endless money to hand over in care costs for the wealthy who can afford to pay their own way. If a person who did have a lot of money suddenly does not have that money (just when it's time to need care) they have to prove where that money went. If they'd shared it out with their family, to avoid paying for care, that money can be retrieved and then used for the care costs.

  • kswck2
    Lv 7
    2 months ago

    Each state has a different method handling Medicaid. In some places, they will 'look back' 3 or 4 years to see if the patient has 'suddenly' sold off their properties just to qualify for Medicaid-or they have some money stashed somewhere. 

    There are a number of ways of moving money away from a person that will need a nursing home, paid by Medicaid. But they take time. And they will not accept a millionaire suddenly giving away all his money just to go on Medicaid. 

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  • Anonymous
    2 months ago

    If he already sold the house they can't doing anything about it.

    But if you or your spouse are in a nursing home they can take it away and sell to pay the bills. But it all depends on a spouse staying in that house etc. Not all nursing homes operate the same way. 

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