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Can a Medicaid Applicant Pay Off a Jointly Held Mortgage As a Spend Down?

  • May 12th, 2016
I purchased a home with my father. We both live in the home and are both on the mortgage. Is my father allowed to pay off the mortgage as a way to spend down his assets to the point that he can qualify for Medicaid’s long-term care coverage?

He could probably pay off half the mortgage, but paying it all might be considered a gift to you. You will need to consult with a local elder law attorney to have a better idea of how this would be treated by your state’s Medicaid agency. Also, if you have lived together for more than two years and if your father needed care from you for at least two years, you might qualify for an exception to the usual transfer rules. Again, a local elder law attorney could advise you on this. To find an attorney near you, go here: http://www.elderlawanswers.com/elder-law-attorneys.

For more information about Medicaid’s spend-down rules, click here.

Local Elder Law Attorneys in Ashburn, VA

Jeffrey Hammond

Hammond and Associates, LLC, Elder Law, Estate Planning, Wills, Trusts, Probate
Bethesda, MD

Samantha Fredieu

Hale Ball Carlson Baumgartner Murphy PLC
Fairfax, VA

Susan Pollack

Needham Mitnick & Pollack, PLC
Falls Church, VA

For more information about Medicaid's asset transfer rules, click here.


Last Modified: 05/12/2016

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