Can an Irrevocable Trust Protect Assets From Nursing Home Costs? A properly designed and timely funded irrevocable trust may protect assets from future nursing-home costs, but transfers can trigger the five-year look-back and the settlor must give up meaningful control. Long-term-care decisions mix health, housing, family authority, contracts, public benefits, and years of financial history. Small transactions can have large consequences when a Medicaid application later asks for records, and a rushed transfer can reduce options instead of protecting them. This guide explains the general Ohio framework in plain language and identifies the records and decisions that usually matter most. In this guide A clear answer to Can an Irrevocable…