Many families worry that Medicaid will take their home after they pass away. In Pennsylvania, this concern is related to a process known as Medicaid estate recovery.

What Is Estate Recovery?

Federal law requires states to seek reimbursement for certain Medicaid benefits paid for long-term care services.

In Pennsylvania, the state may attempt to recover costs from the individual’s estate after death.

When Estate Recovery Applies

Estate recovery typically applies to:

• Nursing home services
• Home and community-based services
• Certain related medical services

If the home remains part of the individual’s estate at death, it may be subject to recovery.

Exceptions

Recovery may be delayed or limited if certain relatives survive the Medicaid recipient, such as:

• A surviving spouse
• A minor child
• A blind or disabled child

Planning Ahead

Many families explore estate planning strategies that may reduce the risk of estate recovery. Planning ahead is essential because Medicaid rules include strict transfer and eligibility requirements.