State Guide
Long-Term Care Funding in Oregon
Oregon pairs a statutory transfer-on-death deed with expanded Medicaid estate recovery that reaches life estates, living trusts, survivorship property, and similar arrangements. It also uses a hard 300%-of-SSI long-term-care income cap, making Income Cap Trust analysis central when income is too high.
Which stage are you in, in Oregon?
Care Within 1-3 Years
See the Care Within 1-3 Years pillars →Planning Ahead
See the Planning Ahead pillars →
Decision Table
Situation, or profile — straight to Oregon pages
Same six rows as the sitewide decision table, resolved to Oregon-specific pages wherever one exists. Plain HTML — no script required to read it, by a person or an AI agent.
| Situation / Profile | Where to Look Next |
|---|---|
| Care Needed NowA hospital discharge is being planned, a facility decision is imminent, or home care has already started. | Oregon Medicaid Look-Back Period · Oregon VA Aid & Attendance |
| Care Within 1-3 YearsMemory changes, a recent fall, or a new diagnosis have made the timeline real, but care isn't needed today. | Oregon VA Aid & Attendance · Oregon Long-Term Care Planning |
| Planning AheadNo diagnosis, no crisis, no urgency — just the recognition that long-term care is a when, not an if, for most people eventually. | Oregon Long-Term Care Insurance · Oregon Long-Term Care Planning |
| Veteran (or surviving spouse) of wartime serviceAdds a federal pension benefit on top of whatever the Situation and State rows point to. | Oregon VA Aid & Attendance |
| Owns significant home equityThe home is usually Medicaid-exempt during life but affects estate recovery and private-pay runway. | Oregon Transfer-on-Death Deed · Oregon Medicaid Long-Term Care |
| Already has LTC insurance or a hybrid life/LTC policy in forceThe existing policy is usually the first dollar spent; other pillars become supplemental once benefits are exhausted or if a gap remains. | Oregon Long-Term Care Insurance · Oregon Medicaid Long-Term Care |
Why Oregon long-term-care planning is different
Oregon's Medicaid program is the Oregon Health Plan, or OHP. The Department of Human Services' Aging and People with Disabilities program administers key long-term-care services, while the Oregon Health Authority and ODHS both have estate-recovery responsibilities after a recipient's death (ODHS long-term-care overview; ODHS Estate Recovery).
Oregon is an income-cap state for this long-term-care pathway. A person must generally be at or below 300% of the full SSI standard, or establish the qualifying trust specified in Oregon's rule; the published 2026 long-term-care countable-income standard is $2,982 per month (OAR 461-155-0250; ODHS 2026 standards transmittal).
Oregon's 2026 numbers at a glance
Individual resource standard: $2,000 · LTC income cap: $2,982/month · home-equity limit: $752,000 · CSRA: $32,532 minimum to $162,660 maximum · nursing-facility PIF: $81.28/month for most residents · look-back: 60 months · transfer divisor through September 2026: $14,585/month (ODHS OSIPM/MAGI chart; ODHS 2026 standards; OAR 461 transfer-rule notice).
A TOD deed does not make recovery disappear
Oregon adopted the Uniform Real Property Transfer on Death Act effective January 1, 2012. A qualifying TOD deed is recorded during life, remains revocable, and does not create a beneficiary interest during the owner's life (Oregon Laws 2011, chapter 212).
That probate-planning tool sits beside an expanded Medicaid-recovery statute. Oregon's estate definition includes real and personal property and interests conveyed by joint tenancy, survivorship, life estate, living trust, and similar arrangements; it is not confined to the conventional probate estate (ORS chapter 416). A TOD deed may matter to title and probate, but the located law does not present it as a Medicaid-recovery shield. That distinction is a reason for Oregon-specific legal advice before a deed or transfer is signed.
How Oregon decides who receives care
Oregon evaluates the help an applicant needs with activities of daily living through service priority levels numbered 1 through 18; the state says funding is limited and the applicant must also meet income guidelines (ODHS ADL and service-priority guidance). The state's APD Aged and Physically Disabled waiver is CMS-approved through December 31, 2026, and Oregon also uses its K Plan state-plan option to provide home- and community-based supports (CMS APD waiver record; ODHS waivers and K Plan).
These pages are a starting point for questions for ODHS, a benefits counselor, and Oregon elder-law counsel. They do not replace individual eligibility, title, tax, or benefits advice; broader funding approaches appear in The 10 Funding Pillars.
Oregon Medicaid Long-Term Care
Oregon Health Plan long-term-care services are administered through ODHS Aging and People with Disabilities, with financial and functional eligibility rules.
Category: Program Overview
Oregon Medicaid Asset Limits
Oregon's 2026 long-term-care rules use a $2,000 one-person resource standard, a $752,000 home-equity limit, and the federal 2026 CSRA range.
Category: Eligibility
Oregon Medicaid Look-Back Period
Oregon reviews transfers made in the 60 months before the request for care and currently uses a $14,585 monthly penalty divisor through September 2026.
Category: Eligibility
Oregon Transfer-on-Death Deed
Oregon's statutory, recorded TOD deed takes effect at death, but it does not itself resolve the state's expanded Medicaid estate-recovery exposure.
Category: Legal Tools
Oregon Medicaid Estate Recovery
Oregon defines the recoverable estate broadly to include defined non-probate interests, while offering statutory and rule-based waiver paths.
Category: After Care
Oregon Nursing Home Medicaid
Oregon nursing-facility Medicaid uses ADL-based service priority levels and permits most 2026 residents $81.28 each month for personal incidental needs.
Category: Institutional Care
Oregon Home Care Medicaid
Oregon's APD system uses its Aged and Physically Disabled waiver, case-management waiver, and K Plan to support eligible adults at home and in community settings.
Category: Home & Community-Based Care
Oregon Long-Term Care Planning
Oregon planning requires coordinated analysis of its income-cap trust rule, 60-month transfer review, statutory TOD deed, and expanded estate recovery.
Category: Advance Planning
Oregon VA Aid & Attendance
Oregon has two State Veterans' Homes and current property-tax relief for qualifying disabled veterans, while Oregon's long-term-care rules have a special VA PIF amount.
Category: Veterans Benefits
Oregon Long-Term Care Insurance (*)
Oregon's Division of Financial Regulation administers an active Partnership framework that can protect assets and reduce later estate recovery by benefits paid. See more details for tax incentives →
Category: Insurance
Participates in the State Long-Term Care Partnership Program.
The Fastest Way to Know
Not sure which strategy fits?
Not sure which strategy fits?
Let the assessment tell you.
The Journey Assessment ranks the ten national funding pillars against your specific situation — then use the Oregon-specific pages above to see exactly how each one plays out under Oregon law.