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My mother-in-law is in a nursing home and on Medicaid. We purchased a van to transport for her after she moved into a nursing home. The Van was titled in her name TOD to my husband. After 2 years of being in the NH, she qualified and is now receiving Medicaid benefits to pay for the NH. She has been qualified for 2 years. If she dies, does the van TOD to my husband or will Medicaid take that asset? I would think if we transfer title before her death we would have to pay medicaid. However, if she dies, is it transferable then or is there a penalty at that time?

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That is the thing about Medicaid and these social workers are always trying to get me to fill out an application for help. First with my Mom when she was living and now with Dad. I think even if they were both eligible which they aren't I wouldn't even want Medicaid. You work all of your life and try to have something in life your own self and then for what? So that something like Medicaid can come along and take it all away from you. What a bunch of bologna. I am determined and no matter what I have to go through because I have been through so many things.. If Medicare doesn't pay for the kind of care I need for my Dad then I will keep him here with me until Medicare or another resource comes through for me.
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Once on Medicaid, you agree as part of the application process, to NOT give away assets. So when she dies, it may transfer to him, but it will have a MERP lien on it.
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