Can a nursing home take your house if it is in a trust?
The effectiveness of a trust depends on whether it is revocable or irrevocable. A revocable trust does not protect your home because the assets remain within your estate and under your control for Medicaid purposes [1.1.1]. Conversely, an irrevocable trust can protect your house, but only if it is set up correctly and transferred well before you need nursing home care—typically at least five years in advance to avoid penalties during the Medicaid look-back period [1.1.1].
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