How to Prevent Medicaid from Taking Your House

For many families, the home is more than just a place to live—it’s a lifetime investment, a source of comfort, and something you hope to pass down. But when long-term care becomes necessary, your home could be at risk due to Medicaid Clawback—a process where the state seeks repayment for Medicaid benefits paid out during your lifetime.

So, how do you keep your home protected? Let’s break it down.

What Is Medicaid Clawback?

When someone receives Medicaid benefits for nursing home or long-term care, the state can pursue reimbursement after that person passes away. This often comes in the form of a Medicaid Estate Recovery, commonly known as a Medicaid Clawback. Without proper planning, your home may need to be sold to repay the state.

The 5 Year Lookback Rule

One of the most misunderstood parts of Medicaid is the 5 Year Lookback. Medicaid reviews all financial transfers made in the five years before someone applies for coverage. If assets—including your home—were moved or transferred during that time, you could face penalties, delayed benefits, or outright denial.

This makes early planning essential—but here’s the good news:

How We Help Clients Bypass the 5-Year Lookback

At Nelson Elder Care Law, we’ve developed a proven process that allows many of our clients to legally bypass the 5 Year Lookback period altogether. Through specific legal strategies, we can help families qualify for Medicaid without waiting five years or giving up everything they’ve worked for.

That means:

• You don’t have to lose your home to nursing home costs.

• You don’t have to drain your life savings to qualify.

• You don’t have to wait years to get the help you need.

Our experienced legal team guides families through this complex process every day. With the right strategy, you can protect your home, preserve your legacy, and access the care you need—without fear of Medicaid Clawback.