My father in law is disabled and desperately in need of a nursing home. He does not qualify for VA benefits due to pensions and there is another disturbing wrinkle. Before his health worsened, he took a reverse mortgage on his home and dispersed all of those funds to his children. We have been told that due to this, he cannot qualify for Medicaid for five years. Is there not some sort of beneficiary clause that would allow him to still qualify since he did not retain ANY of the proceeds? He does not have enough income to allow for nursing home costs. Any sort of special needs trust that could help him?