Protecting Your Future: The Ohio Medicaid Five-Year Look-Back Rule

When planning for long-term care, one of the most critical factors to consider is the five-year look-back period. In Ohio, navigating the Medicaid application process is notoriously difficult, and a single mistake regarding your assets can lead to a lengthy period of disqualification.

What is the Five-Year Look-Back?

If you transfer an asset out of your name for less than fair market value (essentially giving it away or selling it for less than what a stranger would pay), Medicaid will scrutinize that transaction.

If you apply for Medicaid in Ohio and that transfer occurred less than five years ago, you may be disqualified from receiving benefits for a specific period of time.

How Disqualification is Calculated

The length of your disqualification isn’t random. It is calculated based on two primary factors:

• The date the transfer took place.

• The average cost of care in an Ohio nursing home during the year you apply.

Are There Exceptions?

While the rules are strict, there are limited exceptions to the disqualification penalty. For example:

• The Caretaker Child Exception: If a child has lived with you permanently and meets specific criteria, the house may potentially be transferred to them without penalty.

• Non-Medicaid Intent: In some cases, if you can show that the transfer was not made to qualify for Medicaid, the State may disregard that transfer as it relates to disqualification.

Why Professional Guidance is Essential

The Medicaid application process is confusing and high-stakes. To ensure your application is prepared correctly and your assets are protected, you should consult an elder law attorney.