Having just gone they this with my grandparents, BEFORE you go retire and grab Medicaid, get all your assets transferred to a trust. Talk to an attorney about it. It will save you and your heirs a fortune. Medicaid just hit us with a 45,000 dollar bill, dating back over 10 years for my grandmothers dementia treatments. That’s on top of 30k for her nursing care for 4 months. Due to her having assets over a certain limit while on Medicaid and later Medicare