Yes, there is a lookback period. My granny’s children were the owners of her house a good 10 years before she had to go to a rest home, and didn’t even know it until the application for Medicaid.
Trust doesn’t protect it that’s true. However, before the legal changes, there was a way of setting up an irrevocable trust that some lawyer figured out. It was a loop hole that was quickly closed. I can’t remember the exact details now, because it was quite some time ago.
Thanx good story