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Hi everyone, I've got a complicated (or at least what I think is complicated) lookback question. My mother-in-law is in need of long-term care at a skilled nursing facility. She would otherwise qualify for Medicaid except for a 2014 transfer. In 2014, she sold her mother’s house and made about $40,000.00. She used the $40,000.00 for living/medical expenses and paying down my wife’s student loans. My wife’s student loans were actually taken out in my wife’s name by my mother-in-law (unbeknownst to my wife), and my mother-in-law used most of those funds for living, medical, entertainment, etc. expenses. My understanding is that this $40,000 in 2014 could potentially disqualify her from Medicaid benefits because of the 5 year look back. However, I’m not familiar at all with Medicaid, and I’m looking for guidance and advice as to how best handle this situation. Will the $40,000 2014 gain disqualify her? Are there exceptions or work-arounds on the 5 year gain lookback? She is located in Louisiana. This is all very stressful, so thank you in advance for any help. I truly appreciate it.

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Definitely speak with an eldercare attorney. The nursing facility's Medicaid planner may also be able to give you some guidance.
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The issue is probably the amount paid on student loans. But since MIL took out the loans it may be treated differently. There should be documentation to back that up.

I too, recommend that you see an elder law attorney.

If she gifted money made from the sale of the house to anyone, that would create a problem with qualification. Money used for her own expenses should not create an issue.
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You need to ask this of a certified eldercare attorney who is familiar with your State's Medicaid regs.
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