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We live in New Jersey.

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I live in NJ and no they don't take the house. I wish they had. My Moms became an albatross around my neck.

When you apply for Medicaid for LTC there is a look back of 5 years. No large amounts of money can be gifted in that period of time. Things like Mom having a new roof put on, things concerning her are alright but you need to be ready to show proof. Medicaid will ask for 5 yrs of bank statements and any other proof of assets. The house and one car are exempt assets. She needs to spenddown her assets to $2000. As her caregiver you brother maybe able to stay in the home but he will need to pay the taxes, bills and upkeep probably. Even though the house is exempt Medicaid does determine who will live there and if they pay rent or not. Every situation is different.

If its decided to sell the house or the car they must sell at Market Value. All proceeds going towards Moms care. Any out if pocket reimbursement has to be OKd by Medicaid and as I was told, I better keep immaculate records.
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You should also be aware that the Medicaid application process can have a financial "look-back" period of up to 5 years in some states, 2.5 years in others. If you think your mother may require Medicaid for LTC or MC, she must be extremely careful about how she handles her money, so that nothing has the appearance of gifting it to anyone, or receiving gifts, including assets and property. There are minimum amounts that are acceptable, but you will need to consult your county's social services website for those details.
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https://www.google.com/search?q=merp+new+jersey&oq=merp+new+jersey&aqs=chrome..69i57.5977j0j4&client=ms-android-samsung-ss&sourceid=chrome-mobile&ie=UTF-8

Medicaid does not take homes. If your parent goes into a Long Term Care facility paid for by Medicaid, then there is usually a lien placed on the property that the patient owns.

There is a BIG difference between long term care Medicaid and Medicaid medical insurance, which usually has no recovery process.
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Is your ? more about mom / family wanting to keep her house? Like mom needs to go into a facility (like a NH) and she will need to apply for LTC Medicaid to pay for her stay & y’all r trying to figure out just what to do with the house where your caregiver brother lives
OR
is it more about trying to figure out if mom can get services that enable her to stay in her home and you’ve heard that Medicaid (this would be community based Medicaid program) can provide this

Their interrelated but take real different paths.

So what’s the backstory? For your CG brother, does he want to continue to live in the house for his future? And do you know if brother can totally on his own afford all property costs IF your moms SS $ & any other retirement income of hers was no longer available to use towards property expenses?
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