Myths & Facts about Public Assistance with the Cost of Nursing Home Care in North Carolina

March 12, 2019

We qualified for long-term care benefits, so that is it right?


Myth: My mom needs to go into long term care (LTC).  She is already eligible for public assistance with the cost of care. Since her house is considered a non-countable asset for eligibility purposes, it’s protected forever.

Fact: Even though your mom’s house is considered a non-countable asset for eligibility purposes, if it’s titled in her name alone, it (and any adjoining property) could be subject to being sold upon her death to reimburse the State of NC for the value of benefits it paid to the LTC facility on her behalf (a procedure known as “Estate Recovery”). The key to avoiding this result is for your mom not to be the sole owner of her house. Certain planning strategies can avoid this result. Exceptions may apply.

- Wyles Johnson, Board Certified Elder Law Specialist

The rules applicable to Medicare and Medicaid long-term care benefits are exceedingly complex. White & Allen, P.A. is proud to offer an attorney who is a Board-Certified Specialist in Elder Law and experienced staff to navigate and advise you, your family and friends on all your Elder Law issues. Please call us at (252)-527-8000 or email If you would like to request more information concerning rights of the elderly living in North Carolina and special programs for them, please contact us for a complimentary information booklet entitled "Senior Citizens Handbook” published by Project Grace (Young Lawyers Division and Elder & Special Needs Law Section of the North Carolina Bar Association).


It is never too early or too late to plan for your future.