Q: Prior to entering a nursing home, can a senior transfer their home and still qualify for Medicaid?
A: It’s complicated! Medicaid rules permit individuals to transfer their home to a family member without a Medicaid penalty or lien on the property. The home can be transferred to the Medicaid applicant’s adult child, without penalty or lien, if the child lived in the home and provided care to the parent for at least 24 months before that parent entered a nursing home. A home can also be transferred to minor children, children who are blind or children of any age with disabilities. Third, the home can go to anyone, without a penalty being imposed, if the transfer is made 61 months or more prior to applying for Medicaid.