Medicaid Long-Term Care Look-Back Calculator
Calculate Medicaid penalty period from asset transfers in the 60-month look-back window.
Penalty Period
5.6 months
Excess Assets
$248,000.00
Est. Time to Eligible
33.6 months
Look-Back Penalty
| Gifts/Transfers in Look-Back | $50,000.00 |
| State Daily Rate | $300.00/day |
| Penalty Period | 5.6 months (167 days) |
| Look-Back Window | 60 months (5 years) |
Spend-Down Analysis
| Excess Assets | $248,000.00 |
| Monthly Nursing Home Cost | $9,000.00 |
| Annual Nursing Home Cost | $108,000.00 |
| Months to Spend Down Assets | 28 months |
Planning Strategies
| Irrevocable trust (before look-back) | Removes assets from estate |
| Spousal refusal (some states) | Protects community spouse assets |
| Caregiver child exception | Child lived in home 2+ years |
| Home equity conversion | Primary residence may be exempt |
Use the Medicaid Long-Term Care Look-Back Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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