---
title: "Vermont Medicaid Look-Back Period | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/vermont/medicaid-look-back-period/
description: "Vermont reviews five years of transfers and its 2026 consumer guidance uses a $417.84 daily transfer-penalty rate."
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.
---
Vermont · Look-Back & Penalties

# Vermont Medicaid Look-Back Period

Last updated 2026-10-20

Vermont's Choices for Care program reviews five years of financial transactions when evaluating a long-term-care Medicaid application. If property or resources — including a home — were given away within that five-year window before applying, it can trigger a period during which Medicaid won't pay for long-term-care services. In practice, DVHA's own Choices for Care training materials instruct applicants to disclose transfers made in the preceding 60 to 63 months, which is a good reason to start gathering financial records well before you plan to apply.

It's important not to read this as a blanket prohibition on gifts or transfers. The real question Vermont asks is whether a resource was transferred for less than its fair market value, and whether an exception, an alternate purpose, or a hardship circumstance applies. Vermont's consumer guidance specifically notes that a transfer made solely for a reason unrelated to becoming or remaining Medicaid-eligible can avoid a penalty — but families need to keep documentation that actually supports that explanation if the transfer is ever questioned. For 2026, published consumer guidance also uses a daily transfer-penalty rate of $417.84, which is used to calculate how many days of ineligibility a given transfer amount would trigger.

## Vermont figures

- Look-back period: 60 months (5 years)
- Disclosure window (Choices for Care training): 60 to 63 months
- 2026 daily transfer-penalty rate: $417.84

## Sources and official resources

- [Vermont DVHA: Long-Term Care](https://dvha.vermont.gov/members/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)

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

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