Frequently Asked Questions: Gifts and the look-back
Short, plain-language answers to common questions about gifts and the look-back in Long-Term Care Medicaid. Each answer links to a fuller guide.
Figures change periodically. Double-check current amounts before relying on them.
Questions
- Can Medicaid take back money I gave away?
- How do I figure out the penalty divisor?
- Are joint bank accounts treated as gifts?
- Can I give a car to a family member?
- Does selling a car to a “cash for cars” company cause a penalty?
- Does paying rent to in-laws violate the look-back?
- Are charitable donations penalized?
- Do holiday presents count as gifts?
- Does paying for travel violate the rules?
- Is helping a family member pay rent a gift?
- Is paying a parent’s mortgage a gift?
- How does life insurance interact with the look-back?
Getting help
If your question is not answered here, our question form is open for general questions. For advice on your own situation, a Certified Medicaid Planner can help.
Last updated for 2026. General information only, not legal or financial advice. Medicaid Answers is a free educational resource published by Medicaid Answers Foundation.