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She is 90 years old.

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If she gives it within 5 years of needing Medicaid she will have a penalty equal to $90,000. Private pay until satisfied, so don't do it my advice.
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Take the money and put it into a high yeild investment that you can drawn from if needed for her future care. That way no one has to worry about the look back, and if mom never needs it it will be worth more! Win win. But I would not split it now.. your returns will be better on the larger amount
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