I hold a JD (Juris Doctorate, a doctoral degree in the law), with concentration in Tax Law, Estate law & Corporate law, an MBA, with specialization in finance & tax, as well as CFP® and CRPS designations. - I’ve been providing financial, Social Security & Medicare, estate, corporate & tax advice since 1986.
I'm so sorry, but the look-back period for any sort of transfer is five years.
Life estate, outright transfers, anything that changes ownership, could put her eligibility in jeopardy.
The two most likely outcomes would be pushing back her eligibility by the amount of time that the house sale would have paid OR the estate being subject to medicaid fraud recovery after she passes.
The one thing that MAY work, depending on the aggressiveness of the state agency that administers this federal law in your state is to be married.
Medicaid recipient's home is exempt (some states limit this to a particular amount, such as $500,000,) but only if
- the applicant is likely to return home or
- one of the following individuals continues to live in the home:
- the applicant's spouse
- a child under age 21
- a child over age 21 who is disabled
- a brother or sister who owns part of the house and has resided there for at least one year
I would check with an eldercare lawyer in YOUR state to see whether the current practice is to look back at marriage dates