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There are certain ways to work with the laws of Medicaid to save money. For example, if a caregiving child lives with a parent for two or more years and it is shown that staying there allowed the parent to stay out of a nursing home. The house may qualify for a caregiver child exemption. There are also trusts, but these get tricky and are not a do-it-yourself project.
But no, you can't just put assets in someone else's names. Medicaid workers will see the transfers when they look at financial records. Certain assets, such as the home or a car, are not countable when someone applies to Medicaid, but a lien can be placed on them. No money will be available to pay taxes or upkeep, so a family may want to consider selling these assets if no one is using them.
There is a lot on the site about Medicaid. If you think you may need to apply, you may want to read some of the things that are written about both application and also MERP.
.is there something about 5 yearsprior to needing goverment assistance in putting their assessts into someone elses name
If your mom's only source of income is her SS or other federally covered retirement, then it can't be touched by collection. It is federally protected from this happening. You however aren't in that situation if you have a regular income.
Your post is on a thread from April, 2011. So you might want to post your ? as a spankking new ? to get more ideas from this forum. Good Luck.
1st thing that popped in my head was having a conversation with Mom and explaining that the only way to safeguard her possessions (assets) is to sign them over to you without coming across as a vulture. No insult intended. I've met many in this forum who've dedicated most of their adult lives to caring for their parents and expecting nothing in return. Theirs -- as yours -- is a labor of love, yet many parents believe their offspring can't wait for them to die or be committed somewhere so they can divvy up what's left behind: money, home, car, jewelry, pots, pans, birds, and other scraps with potential monetary value.
But yes Lewis, do seek out an elder attorney and their expert advice. Good luck my friend, and let us know what happens.
-- ED