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Major areas of change to Medicaid long term care program

  • Increase in the look-back period
  • Beginning date of penalty period changed
  • Recovery against transferees
  • Undue hardship criteria and claim
  • Return of assets and penalty period
  • Annuities
  • Cap on equity in the home
  • Interests in Continuing Care Communities
  • Income streams as assets
  • Post eligibility transfers by spouses
  • Home Equity loans & Reverse mortgage proceeds
  • Promissory Notes and Loans
  • Life estates

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