Indiana Medicaid Penalty Period Calculator

Indiana Medicaid penalty period calculator

Enter asset transfers made within the 60-month look-back period to estimate how long you may have to privately pay for nursing home care before Medicaid benefits begin.

Step 1 — Monthly cost of a nursing home in Indiana

This is the state-established divisor used to calculate your penalty period. It represents the average private-pay monthly cost of nursing home care in Indiana. (It changes yearly.)

$7,651 / month

per month

Step 2 — Asset transfers

Medicaid reviews all asset transfers made within the past 60 months (5 years). List each one below.

Asset name or type	Date transferred	Amount
		$

Step 3 — Medicaid application date

Enter the date you plan to apply (or did apply) for Indiana Medicaid long-term care benefits.

Important assumption: This calculator assumes Medicaid has been approved. In reality, approval is not guaranteed. The application process can take weeks or months, and many applications are initially denied. The penalty period does not begin until the applicant is both in a nursing facility and would otherwise be eligible for Medicaid.

Estimated Medicaid penalty period

How this is calculated

This calculator is for educational purposes only and does not constitute legal or financial advice. The penalty period start date is typically the first day of the month following Medicaid approval, provided the applicant is residing in a nursing facility and is otherwise eligible. All transfers within the 60-month look-back period are added together before dividing by the divisor. Partial months are calculated as days (1 month = 30 days). The penalty divisor is updated periodically by the state of Indiana and should be verified before relying on these results.

Book an appointment with Kubik Legal for a free 30-minute consultation to start the process of learning more.

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