@irina.yadgarova · Estate & Elder Law Solutions ~ Irina Yadgarova
Saved 2026-05-15 · Posted 2026-02-28 · Status: New
A lot of homeowners hear this and relax: “Your primary residence is exempt for Medicaid.”
Yes — for eligibility purposes, your home is often protected while you’re alive. But what many people don’t realize is that exemption does not automatically mean protection after death.
New York, like many states, has estate recovery rules. That means the government can seek reimbursement from your estate for benefits paid — and for homeowners, that often means the house becomes the target. In nursing home cases, liens can even be placed during your lifetime.
There are also equity limits and technical requirements that determine whether the home is treated as exempt in the first place. And simply adding a child to the deed can create tax consequences and loss of control that are far more expensive than people expect.
Medicaid planning isn’t just about qualifying. It’s about protecting what happens afterward.
If you own a home and are thinking about Medicaid, this is a conversation worth having sooner rather than later.
#MedicaidPlanning #EstateRecovery #AssetProtection #ElderLaw #Homeowners
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Comments (14)
Many people are not informed about the pros and cons of Medicaid
Seems reasonable not a trap, why should taxpayers subsidize your care whilst you have substantial assets. Not s trap.
Yes, which is why you transfer the houses over. Then apply for Medicaid 5 years later.
Can you be 84 years old and still put your house in a trust? Or is it too late?
That’s crazy. Can I put it into a trust to protect it?
Is revocable or non-revocable BEST
How much does it cost to put a home in Trust in NJ
This only applies if you end up in a nursing home and the funds they recover is NF related? Correct??
I thought it was five years
What type of trust do you recommend.
Can you put it in the trust,while in the processing of applying for Medicaid??
@irina.yadgarova so if you don’t transfer it to the children how do the children receive it without the headaches and issues I’m confused ?! !!! .. .. is the irrevocable trust better, please explain
I live in MI and what type of attorney should I contact to
I have my mother on the deed of my house… would this apply to me if my mother used Medicaid?