Reply to Paying for assisted living, can relative keep their house?

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[quote=Anonymous]In general, you should be aware that an elderly person can go on Medicaid for long-term care while owning a home but Medicaid puts a lien on their real property, and there is a clawback provision which goes back 5 years, meaning any transfer of real property, including putting into a trust, would be pre-empted by Medicaid.

There are provisions (not real familiar but aware they exist) where if a person meets Medicaid criteria for long-term care but stays in their home with care provided by a family member (probably could be someone unrelated as well) and receives Medicaid-funded care, the services provided by the caregiver protect some or all of the real property from Medicaid liens.

I worked for awhile as a home health aide, and we had clients whose family had them move into senior housing and privately paid for the home health aide services to save money compared to having Medicaid liens on their parents' home and other assets. If the elders could get by without 24 hour care and the family handled doctor appointments and grocery shopping, it seemed to work for them. 
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