A majority of elderly who reside in nursing homes will need to turn to Medicaid to pay for their care long term. Medicaid is a means tested public benefit program which is governed by both federal and state law. The rules for obtaining Medicaid eligibility to pay for nursing home room and board or to cover some costs of care at home are complex. Medicaid has strict rules regarding the transfer or gifting of assets, and the rules and regulations change. Unfortunately the Medicaid application process is often unpredictable and challenging.
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