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A lot of homeowners hear this and relax: “Your primary residence is exempt for Medicaid.” Yes — for eligibility purposes, your home is often protected while you’re alive. But what many people don’t realize is that exemption does not automatically mean protection after death. New York, like many states, has estate recovery rules. That means the government can seek reimbursement from your estate for benefits paid — and for homeowners, that often means the house becomes the target. In nursing home
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