---
title: "Pennsylvania Life Estate Deed | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/pennsylvania/life-estate-deed/
description: "Pennsylvania has no real-property TOD deed or Florida-style Lady Bird deed; understand retained life estates and revocable trusts instead."
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.
---
Pennsylvania · Asset Protection Tool

# Pennsylvania Life Estate Deed

Last updated 2026-10-20

Unlike many states, Pennsylvania has no current statute creating a transfer-on-death deed for real property. There is a TOD-style registration option for securities, under 20 Pa.C.S. Chapter 64, but that law stops at financial accounts — it does not extend to land or vehicles.

There's a bill in the pipeline: HB 2124 would establish a real-property TOD act, but as of the research behind this page it remained pending rather than enacted. Until and unless that changes, homeowners in Pennsylvania are generally working with a retained life estate deed or a revocable trust instead.

## Sources and official resources

- [Pennsylvania DHS: Medicaid and Payment of Long-Term Services](https://www.pa.gov/agencies/dhs/resources/aging-physical-disabilities/medicaid-payment-long-term-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)
- [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 Pennsylvania guide](https://fundingltcmarketplace.com/states/pennsylvania/)