Title: Medicaid Caregiver Child Exemption for Home Transfers
Headings: Caregiver Child Exemption: Transfer the Home to Children without Medicaid Penalty
Caregiver Child Exemption: Transfer the Home to Children without Medicaid Penalty
Definitions
What is the Caregiver Child Exemption?
What Defines a "Child"
What Defines a "Home"
What Defines "Providing Care"
Eligibility and Qualifying
Documentation
Scenarios for Qualification
Benefits
Transferring the Home
Types of Transfers
Tax Consequences
Common Questions
Is advance planning required?
What happens if the elderly individual passes during the two year caregiving period?
Can the elderly parent and adult child move homes during the two year period?
How to Begin / Learn More

Content: Other relatives, such as foster children, stepchildren, grandchildren, nieces, nephews, son-in-laws and daughter-in-laws, are not eligible. What Defines a "Home"
For Medicaid's Caregiver Exception, a "home" is defined as the elderly individual’s main residence before relocating to a care facility. Summer homes and vacation homes do not qualify for this exception if they are not the individual’s primary residence. A broader, but still allowable definition of the home, includes the land, garages or other buildings on the land. Condominiums and mobile homes are eligible properties. So are buildings that have separate apartments, as long as the parent and child are housed in the same building. What Defines "Providing Care"
The care provided by the adult child must have enabled the senior to continue to live at home, rather than require relocation to an assisted living facility or nursing home. Documentation indicating that this is the case is required. Providing care for an elderly parent may include: Monitoring medications
Preparing meals
Providing assistance with Activities of Daily Living (ADLs)
Bathing
Dressing
Using the bathroom
Ensuring the health and safety of the parent
Eligibility and Qualifying
The adult child caregiver must have resided in the home of his or her parent for two years immediately before institutionalization and provided a level of care preventing the parent from having to live in an assisted living facility or a nursing home.