Frequently Asked Questions: Home and estate recovery

Short, plain-language answers to common questions about home and estate recovery in Long-Term Care Medicaid. Each answer links to a fuller guide.

Figures change periodically. Double-check current amounts before relying on them.

Questions

• My home’s value rose over the limit. What now?
• Can I downsize my home while applying?
• What happens if I sell my house while on Medicaid?
• Does owning a home in another state matter?
• How do Medicaid home trusts work?
• Can a home held in a protection trust be sold?
• Do trust earnings count for Medicaid?
• Is there a time limit on estate recovery?

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.

• All FAQs

Last updated for 2026. General information only, not legal or financial advice. Medicaid Answers is a free educational resource published by Medicaid Answers Foundation.