Medicaid will lie in wait

16 Jun 2026 · 1 min

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0:48

In this YouTube monologue, Jerry Taylor warns viewers that Medicaid can pursue the family home after a loved one receives long‑term nursing home care, through a process called Medicaid estate recovery. He explains that in many states the home can be seized to repay Medicaid costs once the patient dies, leaving heirs with nothing if planning is delayed. Taylor outlines the Medicaid Asset Protection Trust (MAPT) as a way to shield the home, emphasizing the mandatory five‑year look‑back period before care begins and noting that rules vary by state. He concludes by promoting a free workshop for deeper guidance, inviting viewers to comment “workshop” to receive the registration link.

Chapters

Medicaid will lie in wait, and then they'll come for the house. Your mom needs long-term nursing home care. Medicaid pays most of the bill, but when she dies, Medicaid wants their money back. That's called Medicaid estate recovery. In most states, the family home can get pulled right into this, and the child who managed all the care and the bills and the appointments, all they can do is sit around and watch their inheritance vanish because the planning started too late. Medicaid Asset Protection Trust can protect the home, but it has to be created and the home has to be put into it at least 5 years before the care is needed. Medicaid rules on this differ from state to state, but you've got to remember that 5 years are needed before the care starts. If you want to hear more about this, attend my free workshop that's coming up. If you'll comment the word "workshop," I'll send you the link to register for it.