What is Medicaid Estate Recovery?

Medicaid Estate Recovery (MERP) is a federal program requiring states to recover long-term care costs from the estates of deceased Medicaid recipients, often targeting the family home.

How can I protect my home from Medicaid recovery?

Strategies include placing your home in an irrevocable trust, transferring ownership to a caregiver child, or using a life estate deed — each has look-back period implications.

HomeLeafs

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Important Legal Notice: HomeLeafs is an educational planning tool. Medicaid rules are highly complex, strictly regulated, and subject to changing federal and state guidelines. Action taken without professional counsel can disqualify individuals from benefits or void exemptions. Consult a licensed elder law attorney.

Can the government claim the house after mom passes?

State Medicaid recovery programs can file liens against inherited homes — in some states, they already have a claim on file. Check your exposure.

State Jurisdiction *

Is the Medicaid recipient deceased? *

Is there a surviving spouse? *

Surviving minor or disabled child? *

How is the Property Title Held? *

Did a Caregiver Child live there for 2+ years? *