---
title: "Minnesota Medicaid Look-Back Period | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/minnesota/medicaid-look-back-period/
description: "Minnesota's 60-month transfer review and the most recently verified $11,653 monthly penalty benchmark."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Minnesota · Look-Back & Penalties

# Minnesota Medicaid Look-Back Period

Last updated 2026-10-20

Minnesota reviews five years — 60 months — of financial history before someone applies for nursing-home-level MA coverage. DHS tells applicants plainly that neither they nor a spouse may give away assets or income without getting fair value in return during that window if they expect MA to pick up nursing-home costs. The state's transfer statute backs this up, applying specifically to any transfer made for less than fair market value.

This isn't a gift-tax review — it's broader than that. A reviewable transfer can be an outright gift, a sale at a discount, a partial-interest deal, money moved into a trust, or virtually any disposal below fair value. Because ownership history, timing, valuation, what was paid, and the purpose of the transfer all matter, families are well advised to hang onto deeds, appraisals, account statements, contracts, and proof of payment well before an application is ever filed.

The most recently verified figure used in penalty calculations sits at $11,653 per month, effective as of July 1, 2025, with the state recalculating this rate each July 1.

## Minnesota figures

- Transfer look-back review: 60 months
- Most recently verified penalty rate: $11,653/month
- Penalty-rate effective date: July 1, 2025
- Penalty-rate recalculation cycle: Each July 1

## Sources and official resources

- [Minnesota DHS: People Who Need Nursing Home Care](https://mn.gov/dhs/health-care/nursing-home-care/)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full Minnesota guide](https://fundingltcmarketplace.com/states/minnesota/)