---
title: "New York Transfer-on-Death Deed and MAPTs | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/new-york/transfer-on-death-deed/
description: "New York's new transfer-on-death deed can avoid probate, but Medicaid Asset Protection Trusts remain the main long-term care planning tool."
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.
---
New York · Asset Protection Tool

# New York Transfer-on-Death Deed and MAPTs

Last updated 2026-10-20

For a long time, the conventional wisdom was that New York simply didn't offer a transfer-on-death deed. That changed when New York Real Property Law §424 took effect on July 19, 2024, giving homeowners a genuine TOD deed option for the first time.

Because plenty of older articles and guides still repeat the outdated claim that no such deed exists in New York, it's worth working from the actual statute and current county recording guidance rather than pre-2024 summaries.

Even with the new deed available, Medicaid Asset Protection Trusts remain the more established and better-tested planning conversation for anyone thinking ahead to institutional long-term care — the TOD deed is new enough that its Medicaid implications haven't been fully worked out in practice.

## New York figures

- TOD deed statute effective date: July 19, 2024
- Governing law: New York Real Property Law §424

## Sources and official resources

- [New York DOH: Nursing Home Transition and Diversion Waiver](https://www.health.ny.gov/facilities/long_term_care/nhtd/participant/)
- [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)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

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

[← Back to the full New York guide](https://fundingltcmarketplace.com/states/new-york/)