Rhode Island's active eligibility rule requires a look back at every asset transfer made by the applicant or the non-LTSS spouse during the five-year (60-month) window before the first day of the application month. A transfer counts as disqualifying when it was made on or after February 8, 2006, falls within that 60-month window (or even after application), and was made for less than fair market value.
The consequence is a period of LTSS ineligibility, not a financial penalty against the family directly — but it applies across care settings, whether someone needs care in an institution, at home, or in the community. It's a mistake to assume a transaction is automatically safe just because it was labeled a gift, a loan, payment for services rendered, or a title change; what actually matters is the value transferred, whether real consideration was paid, the paper trail, and whether a regulatory exception applies.