Can Medicaid Take My Home? What You Need to Know (2024)

Summary
Losing your home because you need Medicaid for long term care is a common worry for many people. There are circ*mstances where an individual might have to sell their home to become eligible or to maintain their eligibility for Medicaid, or to cover some costs of long term care. However, there are also ways to keep the home protected. Use our interactive “Can Medicaid Take My Home” tool to determine if your home is at risk. Losing a home after passing away is covered in a separate article here.

Table of Contents

Last Updated: May 09, 2022

Impact of Home Ownership on EligibilityWhen is the Home Protected?Beneficiary Lives at HomeSpouse Lives at HomeQualifying Child Lives at HomeChild Caregiver ExemptionSibling ExemptionRelevance of “Intent to Return”What Happens with Non-Exempt Homes

How Home Ownership Impacts Medicaid Long Term Care Eligibility

Owning a home can affect your Medicaid eligibility when you’re applying, while you are receiving benefits and after your death. This article will only cover the impacts of home ownership while the Medicaid applicant/beneficiary is living.

There are many requirements for Medicaid eligibility, including an asset limit, which is $2,000 for most states in 2023. If the home is counted against the asset limit, the Medicaid applicant would most likely be well over the $2,000 limit and would not be eligible. However, there are several ways the home would be exempt and therefore not count against the limit. This allows the applicant to keep their home and be Medicaid eligible.

This asset limit still applies after an individual has been approved for Medicaid and is receiving benefits. So, if circ*mstances made the home exempt while applying, but then those circ*mstances change to make the home countable after the individual is receiving benefit, the home would most likely push the Medicaid beneficiary over the $2,000 asset limit and make them ineligible.

When a Home is Protected When Using Medicaid

There are many situations that will naturally occur for Medicaid Long Term Care applicants and beneficiaries that will keep their home exempt from the asset limit, such as when the beneficiary or their spouse continue to live in the home. If those situations don’t naturally occur, there are other ways to keep the home exempt.

As an alternative to reading below, one can use our Interactive “Can Medicaid Take My Home Tool” to determine if their home is at risk or protected from Medicaid.

If the Medicaid Beneficiary Lives at Home

There are three types of Medicaid Long Term Care – Nursing Home Medicaid, Home and Community Based Services (HCBS) Waivers, and Aged Blind and Disabled (ABD) Medicaid. Many people who have HCBS Waivers or ABD Medicaid (also known as Regular Medicaid) will live at home, and that makes the home exempt from the asset limit, as long as it is the primary residence of the Medicaid applicant/beneficiary. Vacation homes or other second homes will count against the asset limit. A primary residence doesn’t have to be a single-family home, it can be a condominium, a multi-family home, a mobile home or a houseboat, as long as it is the primary residence of the Medicaid applicant/beneficiary.

For HCBS Waiver and Nursing Home Medicaid applicants, the home must also be under the Medicaid mandated home equity interest limit for it to be exempt from the asset limit. For most states in 2023, the home equity interest limit is either $688,000 or $1,033,000 (for states with higher property values) except in California, where there is no home equity limit. ABD Medicaid applicants are not required to meet the home equity interest limit in their state.

To be clear, home equity interest is the portion of the home’s equity value that the applicant owns minus any outstanding mortgage or debt on the home. For example, let’s use a home that has a fair market value of $1,100,000 as an example. If there is still $200,000 outstanding mortgage on the home, and the applicant is the sole owner, the home equity interest is $900,000.

If the Spouse of the Medicaid Beneficiary Lives in the Home

If the Medicaid applicant/beneficiary is married and will move out of the home, but their spouse will remain living in the home, the home will be exempt and not counted against the asset limit for Medicaid eligibility. This happens most often with Nursing Home Medicaid applicants and recipients. However, it might also apply if an individual receiving an HCBS Waiver moves into a non-nursing home assisted living facility, like a residence for Alzheimer’s or dementia patients, but their spouse remains living at home.

The home must also be the primary residence of the spouse for it to be exempt in this situation, second homes or vacation homes cannot be exempt. But it’s important to note that the home equity limit does not apply when a spouse lives in the home. So the home could have an equity value above their state’s home equity limit ($688,000 or $1,033,000 in most states in 2023) and it would still be exempt if the spouse of the Medicaid applicant or recipient is living there.

If a Qualifying Child Lives in the Home

The home of a Medicaid applicant or recipient will not be counted against the asset limit if they have a child who is blind, disabled or under the age of 21 living in the home. The home must be the primary residence of the qualifying child in order for it to be exempt, but it does not need to meet any home equity limits.

Child Caregiver Exemption

This exemption allows a Medicaid applicant or beneficiary to transfer ownership of their house to a qualifying adult child to keep the home exempt from the asset limit without violating any Medicaid rules. In order to qualify, the adult child has to have lived in the home for at least two years before the applicant/beneficiary moves out, and during that time the adult child must have been providing a level of care that kept the applicant/beneficiary from needing to move to a nursing home. The adult child must be biological or adopted. Stepchildren, foster children, nieces, nephews and other family members are not eligible for this exemption.

There is no home equity limit when it comes to the Child Caregiver Exemption, so the home can have any value and still be exempt. This exemption only applies to primary residences, secondary homes or properties of any other kind can not be exempt.

The adult child will need to prove they have been living in the home as a primary residence and providing the necessary level of care. They can do this with appropriate documents, such as paid utility bills and signed doctor’s statements. If the adult child doesn’t have proof, or the state does not deem the proof or actions to be enough, transferring the home to the adult child would violate Medicaid’s look-back rule (more on that below) and make the applicant/beneficiary Medicaid ineligible.

Sibling Exemption

This exemption allows a Medicaid applicant or beneficiary to transfer ownership of their house to a qualifying sibling to keep the home exempt from the asset limit without violating any Medicaid rules. The sibling must have equity interest in the home, meaning they share ownership with the Medicaid applicant or beneficiary. They need to prove this co-ownership with documentation like a deed or canceled checks that have been used for mortgage payments or utility bills. The sibling must also be able to prove they have been living in the home for at least a year prior to the applicant/beneficiary moving out to be eligible for this exemption.

The sibling must be biological or adopted to be eligible for this exemption. Step-siblings or foster-siblings are not eligible. The Sibling Exemption only applies to primary residences, secondary homes cannot be exempt. But there is no home equity limit when it comes to the Sibling Exemption, so the home can have any value and still be exempt.

How Intent to Return Home Protects the Home

Even if no one is living in the home of a Medicaid applicant or beneficiary, the home can still be exempt from the asset limit if the applicant/beneficiary files an intent to return home. This is an official signed document stating that even though the Medicaid applicant/beneficiary is not currently living in the home, they still consider it their primary residence and they intend to return living there. Some states have standard intent to return forms, but there is no common form used across all 50 states.

Even if it’s unlikely the Medicaid applicant/beneficiary will actually return home, most states still honor the intent to return home statement and the home can stay exempt, but only for a limited amount of time. The time limit varies by state, but it is usually between six and 12 months. After that, the state will consider the move permanent, so the home will no longer be the primary residence of the applicant/beneficiary and it will count against the asset limit.

Using Trusts & The Look-Back Rule to Protect a Home

When someone applies for Nursing Home Medicaid or HCBS Waivers, the state will look back into the last five years of their financial records to make sure they haven’t made any transactions that violate Medicaid’s rules. That includes not giving away any assets, like a home, to get below the asset limit. California is an exception and only looks back at 30 months of financial records.

Transferring a home to a spouse who is not applying for Medicaid Long Term Care and will continue to live in the home does not violate the look-back rule. The Child Caregiver Exemption and Sibling Exemption discussed above do not violate the look-back rule, either.

There is no look-back period for ABD Medicaid applicants. However, ABD applicants should be cautious about giving away their assets. They might eventually need Nursing Home Medicaid, or an HCBS Waiver, and those programs will deny or penalize the applicant for giving away assets if that transaction falls within the look-back window.

Medicaid Asset Protection Trusts
If it’s done in advance of the look-back period, a home can be protected with a Medicaid Asset Protection Trust. The Medicaid applicant/beneficiary would create the trust, place the home in it, and name a trustee who would take ownership of the trust/home immediately upon the death of the Medicaid applicant/beneficiary. This will keep the exempt from the asset limit, but it will violate the look-back period. So, these trusts are best used by people in good health who won’t need Medicaid long term care any time in the next five years.

What Happens if the Home Is Not Medicaid Exempt?

If none of these circ*mstances apply to you or your home, you may need to sell your home and “spend down” the assets to become eligible for Medicaid long term care. It’s a complicated process, but essentially the Medicaid applicant would make a plan to spend the money from the home sale on long term care costs until they get below the asset limit and then they would re-apply. This same “spend down” method can be used for a Medicaid beneficiary whose house becomes a countable asset while they are receiving benefits.

Can Medicaid Take My Home? What You Need to Know (2024)

FAQs

Can Medicaid Take My Home? What You Need to Know? ›

A Simple Answer: As long as the Medicaid beneficiary or their spouse is living, Medicaid cannot take one's home or force a sale.

Does owning a home affect Medicare? ›

Many beneficiaries wonder if owning their home will affect their Medicare benefits. Medicare doesn't limit enrollment based on resources or income. Unless the sale of your home is taxable income, your Medicare won't be affected.

Can Medicaid take your home in Texas? ›

I want to will my home to my children. Can the state still take it? The state cannot take your property. All claims (debts) against an estate, including MERP claims, must be paid before property can be distributed as stated in a will.

Do you have to pay back Medicaid if you inherit money in CT? ›

Medicaid will view the inheritance either as income and / or assets, depending on when the inheritance was received and how long it has been since receipt. This, unfortunately, means that receiving an inheritance could cause you to lose your Medicaid benefits.

Do you have to pay back Medicaid in Texas? ›

If you received Medicaid long-term services and supports, the state of Texas has the right to ask for money back from your estate after you die. In some cases, the state may not ask for anything back, and the state will never ask for more money back than it paid for your services.

How much money can you have in the bank to qualify for Medicare? ›

On July 1st, 2022 the asset test to qualify for a Medicare Savings Program increased. These changes apply to the things you own, including bank accounts, cash, second homes and vehicles, and other financial resources. The new limit is $130,000 for one person and an additional $65,000 for each additional family member.

What assets can you keep when you go on Medicare? ›

Household Asset Limits for Non-MAGI Programs as of July 1, 2022​
Household​ size​Asset limits
1 pers​on$130,000
2 people$195,000
3 people$260,000
4 people$325,000
6 more rows

How do I protect my assets from Medicaid in Texas? ›

Medicaid Asset Protection Trusts are irrevocable living trusts that allow you to preserve your assets and give ownership to a designated beneficiary. Because you no longer own this property, Medicaid recovery efforts won't be able to touch these funds should you need long-term care assistance.

How do I get around Medicaid estate recovery? ›

To avoid Medicaid getting a hold of these assets, you can take them out of your name by placing them in a "Family Asset Protection Trust" or, quite simply, a "Medicaid Five Year Trust." In situations like this, it's best to have transferred all property and assets that need protection into this trust at least five ...

What assets can Medicaid take in Texas? ›

Income & Asset Limits for Eligibility
2023 Texas Medicaid Long-Term Care Eligibility for Seniors
Type of MedicaidSingle
Income LimitAsset Limit
Institutional / Nursing Home Medicaid$2,742 / month*$2,000
Medicaid Waivers / Home and Community Based Services$2,742 / month†$2,000
1 more row
Jan 11, 2023

What happens if you inherit money while on Medicare? ›

Medicare eligibility is based on age, illness and/or disability status rather than income. Inheriting money or receiving any other windfall, such as a lottery payout, does not bar you in any way from receiving Medicare benefits.

Does inheritance count as income? ›

Inheritances are not considered income for federal tax purposes, whether you inherit cash, investments or property. However, any subsequent earnings on the inherited assets are taxable, unless it comes from a tax-free source.

Does inheritance count as assets? ›

Inheritance refers to the assets that an individual bequeaths to their loved ones after they pass away. An inheritance may contain cash, investments such as stocks or bonds, and other assets such as jewelry, automobiles, art, antiques, and real estate.

How far back does Medicaid look at assets in Texas? ›

Under pre-DRA transfer of assets policy, the look-back period is 36 months (or 60 months) from the later of the date of: institutionalization, or. Medicaid application.

Does Texas Medicaid check your bank account? ›

Does Medicaid Check Bank Accounts? This one has an easy answer – yes. You will need to provide a variety of documents to verify the information you provide on your Medicaid application, and that is sure to include checking and savings accounts.

What happens to assets if you go into a nursing home in Texas? ›

If you own property, you'll be expected to sell it to cover the costs of a nursing home. We understand the rationale behind this. The government shouldn't be expected to pay for your medical care if you have assets. This money is not going to be paid back.

How much money can I make before I lose my Medicare? ›

If you filed individually and reported $97,000 or less in modified adjusted gross income (MAGI) on your 2021 tax return, you won't be charged higher rates for Medicare Part B (medical coverage) and Part D (prescription coverage) in 2023. For joint filers, the income limit is $194,000 or less.

What is the highest income to qualify for Medicaid? ›

Federal Poverty Level thresholds to qualify for Medicaid

In 2023 these limits are: $14,580 for a single adult person, $30,000 for a family of four and $50,560 for a family of eight. To calculate for larger households, you need to add $5,140 for each additional person in families with nine or more members.

Does Medicare look at your bank account? ›

Medicare plans and people who represent them can't do any of these things: Ask for your Social Security Number, bank account number, or credit card information unless it's needed to verify membership, determine enrollment eligibility, or process an enrollment request.

What 8 things does Medicare not cover? ›

Some of the items and services Medicare doesn't cover include:
  • Long-Term Care. ...
  • Most dental care.
  • Eye exams (for prescription glasses)
  • Dentures.
  • Cosmetic surgery.
  • Massage therapy.
  • Routine physical exams.
  • Hearing aids and exams for fitting them.

How do I get my $144 back from Medicare? ›

To qualify for the giveback, you must:
  1. Be enrolled in Medicare Parts A and B.
  2. Pay your own premiums (if a state or local program is covering your premiums, you're not eligible).
  3. Live in a service area of a plan that offers a Part B giveback.

Is Medicare based on income or assets? ›

Medicare premiums are based on your modified adjusted gross income, or MAGI. That's your total adjusted gross income plus tax-exempt interest, as gleaned from the most recent tax data Social Security has from the IRS.

How to protect your home from Medicaid estate recovery Texas? ›

The primary way to avoid probate for a house and ultimately avoid the enforcement of a MERP claim on the family home is called a Lady Bird Deed or Enhanced Life Estate Deed. It offers Texas residents a simple, inexpensive way to transfer real estate at the time of death, without probate.

Does a house count as an asset for Medicaid in Texas? ›

Many people wonder whether all the assets they own are countable toward Medicaid. Assets such as your primary residence, life insurance, car, funeral and burial funds, and property for self-support are exempt or are not counted toward Medicaid.

What are non countable assets for Medicaid in Texas? ›

ASSETS WHICH ARE NOT COUNTED IN DETERMINING FINANCIAL ELIGIBILITY for a Medicaid- or Medicaid-and-Medicare eligible bed in a Medicaid-certified facility. Personal residence. Equity of up to $603,000 (2021) is excluded. The residence must generally be in the same state in which the person applies for Medicaid.

What is the statute of limitations for Medicaid estate recovery in Texas? ›

A MERP claim may only be brought under the “administration of an estate,” which has a statute of limitations in Texas of four years. After that time, an administration is barred by statute; therefore, a MERP claim is too.

Does Medicare pay bills after death? ›

Medicare pays a surviving relative of the deceased beneficiary in accordance with the priorities in paragraph (c)(3) of this section. If none of those relatives survive. Medicare pays the legal representative of the deceased beneficiary's estate. If there is no legal representative of the estate, no payment is made.

What assets are exempt from Medicaid estate recovery rights in NY? ›

New York Medicaid does not seek to recover from any property except that which was solely owned by the decedent and included in their estate.

What is the max income for food stamps in Texas? ›

Maximum Monthly Income Limits
Family sizeMaximum monthly income
Family size 1Maximum monthly income $ 1,869
Family size 2Maximum monthly income $ 2,518
Family size 3Maximum monthly income $ 3,167
Family size 4Maximum monthly income $ 3,816
2 more rows

Does Medicaid pay for assisted living in Texas? ›

Texas Medicaid will pay for a nursing home, assisted living, or home health care when a patient needs skilled nursing care. Need Professional Help? Talk to an Estate Planning Attorney.

What is a Miller Trust in Texas? ›

A Miller Trust, also commonly referred to as a Qualified Income Trust, is a type of trust which allows you to transfer income directly into the trust. As a result, any income redirected into a Miller Trust is not countable for the purposes of Medicaid eligibility.

Does inheritance have to be reported to Social Security? ›

Because an inheritance is considered a change in resources , it's required that people receiving SSI benefits have to report inheritance to the Social Security Administration (SSA)—and they must do so no later than the first 10 days of the month that follows the month that they received the inheritance.

Can a person on SSI inherit a house? ›

Inheriting a home can cause an SSI recipient to become ineligible for future benefits. However, that can be avoided if the home is used as the recipient's primary residence or placed in a special needs trust.

Do you have to cancel Medicare when someone dies? ›

When someone who receives Social Security or Medicare dies, you must notify the Social Security Administration (SSA) to cancel their benefits and payments.

What happens when you inherit a house from your parents? ›

Not only will the inheriting party be responsible for maintaining the home, but they'll also be responsible for its financial upkeep. Paying utility bills, property taxes, and homeowner's insurance will fall on the shoulders of the inheritor, as well as any renovations and updates that may need to be done.

What is considered a large inheritance? ›

That said, an inheritance of $100,000 or more is generally considered large. This is a considerable sum of money, and receiving such a windfall can be intimidating, especially if you have limited experience managing excess funds.

Do I have to pay taxes on a $10 000 inheritance? ›

In California, there is no state-level estate or inheritance tax. If you are a California resident, you do not need to worry about paying an inheritance tax on the money you inherit from a deceased individual. As of 2023, only six states require an inheritance tax on people who inherit money.

How much money can you inherit without having to pay taxes on it? ›

According to the Internal Revenue Service (IRS), federal estate tax returns are only required for estates with values exceeding $12.06 million in 2022 (rising to $12.92 million in 2023). If the estate passes to the spouse of the deceased person, no estate tax is assessed.318 Taxes for 2022 are paid in 2023.

Is money in the bank considered an asset and a will? ›

Is Cash An Asset? Yes, cash is considered an asset. Further, because it doesn't have to be converted into another form to be used, it has the highest liquidity of all assets, which can be extremely helpful in short-notice situations.

Can you inherit debt? ›

Generally, the deceased person's estate is responsible for paying any unpaid debts. When a person dies, their assets pass to their estate. If there is no money or property left, then the debt generally will not be paid. Generally, no one else is required to pay the debts of someone who died.

Can you own a home and be on Medicaid in Texas? ›

For property to be considered a home for Medicaid eligibility purposes, the person or spouse must consider the property to be their home and: have ownership interest in the property; and. reside in the property while having ownership interest.

Does Texas Medicaid have to be paid back? ›

If you received Medicaid long-term services and supports, the state of Texas has the right to ask for money back from your estate after you die. In some cases, the state may not ask for anything back, and the state will never ask for more money back than it paid for your services.

What age do you lose Medicaid in Texas? ›

Here are some programs that will end when your child becomes an adult: Children's Medicaid stops at age 18. If your child has STAR Kids, they can stay with that program through age 20.

What are the financial requirements for Medicaid in Texas? ›

Income Limits for Medicaid by Household Size
Household SizeMax Annual Income
1$28,869
2$39,046
3$49,223
4$59,400
5 more rows
Mar 21, 2023

Does medical ask for bank statements? ›

A copy of vehicle registration (if more than one vehicle owned). A copy of your most recent bank statement (checking, savings account, etc.) A copy of life insurance policy, stocks, bonds, retirement account statement.

How often does SSI check your bank accounts? ›

There isn't a set schedule or a guaranteed timeline as to how frequently your accounts might be monitored. It could be once a year, twice a year, or only once every few years. Often, it will depend upon circumstances, and the schedule set forth by the SSA.

How can I protect my money before going to a nursing home? ›

With that in mind, here's how to protect your assets from nursing home costs.
  1. Purchase long-term care insurance. ...
  2. Purchase a Medicaid-compliant annuity. ...
  3. Form a life estate. ...
  4. Put your assets in an irrevocable trust. ...
  5. Start saving statements and receipts.
May 11, 2023

What is considered estate assets Texas? ›

Estate: In the state of Texas, an estate consists of all the decedent's assets. These include, but aren't limited to, cash, real estate holdings (homes, land, etc.), stocks and bonds, life insurance policies, retirement accounts, vehicles and personal belongings.

Can a patient be kicked out of a nursing home in Texas? ›

Nursing Home Claims it “Cannot Meet the Needs of the Resident” A nursing home resident can be involuntarily transferred legally if the nursing home cannot meet their needs.

Does selling a house count as income for Social Security? ›

Selling Your Home While on Social Security Benefits

With the sale of your home, your income may increase enough to make you no longer eligible for SSI and Medicaid. After you sell your home, you have three months to buy a new home.

Is owning a house an asset? ›

Given the financial definitions of asset and liability, a home still falls into the asset category. Therefore, it's always important to think of your home and your mortgage as two separate entities (an asset and a liability, respectively).

Does selling your home affect Medicare benefits? ›

Selling your home will not cause you to lose your Medicare benefits. However, if you have a Medicare plan and move to a new address, you may need to change your plan. Original Medicare includes Parts A and B.

Can I get Medicare if I was a stay at home mom? ›

For example, stay-at-home-moms are eligible for Medicare even if they haven't worked and paid Medicare taxes. As long as their husbands have, they may enroll during their Initial Enrollment Period.

Do I have to tell Social Security I sold my house? ›

As long as what you're receiving is a Social Security benefit and not Supplemental Security Income (SSI), then the fact that you sold your house won't have any effect on your benefits.

Can I lose my Social Security benefits if I sell my house? ›

When she sells her home, will she lose her any of her benefits? A. She won't lose her Social Security, because eligibility does not depend upon her income or other resources, but her Supplemental Security Income (“SSI”) and Medi-Cal are at risk unless she plans ahead.

How much money can you have in the bank on Social Security retirement? ›

SSA limits the value of resources you own to no more than $2,000. The resource limit for a couple is only slightly more at $3,000. Resources are any assets that can be converted into cash, including bank accounts. However, some assets you own may not affect eligibility for the program.

Is a checking account an asset? ›

Bottom Line. Since an asset is cash or something that can be converted to cash, a checking account is considered an asset as long as it has a positive value. If your checking account is overdrawn, you owe your bank or credit union money, which makes it a liability.

Is a house an asset or debt? ›

A house, like any other object that comes into your possession, is classified as an asset. An asset is something you own. A house has a value. Whether you assign the value as the price at which you purchased the house or the price at which you believe you can sell the house, that amount is how much your house is worth.

Why owning a house is not an asset? ›

“Using this simple and practical definition, your home is a liability because it takes money out of your pocket each month in the form of a mortgage, taxes, insurance, and maintenance costs. It does not put money in your pocket. Only if you're able to sell it at a profit does it become an asset.

What happens to Medicare if you make too much money? ›

If you have higher income, you'll pay an additional premium amount for Medicare Part B and Medicare prescription drug coverage. We call the additional amount the “income-related monthly adjustment amount.” Here's how it works: Part B helps pay for your doctors' services and outpatient care.

Is Medicare going up in 2023? ›

For 2023, the Part A deductible will be $1,600 per stay, an increase of $44 from 2022. For those people who have not worked long enough to qualify for premium-free Part A, the monthly premium will also rise. The full Part A premium will be $506 a month in 2023, a $7 increase.

Does Medicare look at capital gains as income? ›

Yes, capital gains are part of the MAGI calculation. For many taxpayers, the MAGI is similar to the AGI (adjusted gross income), but it can be higher, depending on your circumstances.

How much Social Security does a stay at home mom get? ›

Social Security Income

When stay-at-home parents retire, however, they may be entitled to a Social Security spousal benefit. They will receive Social Security income based on their spouse's earned income, up to half of the working spouse's Social Security income amount.

Can a housewife who never worked get Medicare? ›

Anyone who meets Medicare eligibility requirements can get Medicare, including spouses.

Can a person who never worked get Medicare? ›

Medicare Eligibility for People Who've Never Worked? Regardless of your work history, you are eligible for Medicare at age 65 (or younger in some cases) if you're a U.S. citizen.

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