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Hi and welcome to JA. I am Ray and will be the expert helping you today.
There is zero chance medicaid would pursue this.A home equity loan is considered a loan and is not counted as an asset here , it is repaid at death as the lender takes the property.Medicaid here gets nothing and they have to close out their files.There is no medicaid recovery and they have no claims here at all against either kids or grandkids here in Ohio.Senior did the right thing here to use the funds while they were able.
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