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Should your mother be placed in long term care and need medicaid, they will look back for any transfers within the last 5 years prior to her applying. An irrevocable trust is the absolute best solution in these cases, because it protects her assets from all possible creditors including medicaid. The irrevocable trust also eliminates the need for probate and can direct how all assets will be distributed at death without any probate court action. They have enough in assets that the irrevocable trust would be best to protect them and to leave their money out of being taken by medicaid or any nursing home and preserve it for their heirs.