# Daughter Stays in Mom's House After 12 Years of Care

> New York's $131,000 estate claim for a daughter who cared for her mother for 12 years may be delayed.
- Title: Daughter Stays in Mom's House After 12 Years of Care
- Summary: New York's $131,000 estate claim for a daughter who cared for her mother for 12 years may be delayed. A daughter who lived with her mother for 12 years after…
- Keywords: new york, estate claim, caregiving child, medicaid, house, daughter, mother, nursing home, caregiving, residence, Stays, Mom's
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/10/19/the-daughter-who-moved-in-with-mom-12-years-ago-will-still-live-there-new-yorks-131000-claim-will-arrive-anyway-but-her-years-in-the-house-could-keep-her-from-having-to-sell-right-away
- Author: Gerelyn Terzo
- Published: 2026-10-19T15:30:43+00:00
- Read time: 1 min
- Topics: new york, estate claim, caregiving child, medicaid, house, daughter, mother, nursing home, caregiving, residence
## Daughter Moves In 12 Years Ago
She spent 12 years sleeping under the same roof, managing pill organizers and 2 a.m. falls.
## New York's $131,000 Claim
New York wants $131,000 back from her estate after her mother died.
## Caregiving Child Rule
New York's estate recovery rule lets a child stay in the house for up to two years before nursing home.
## Proof Required for Deferral
She needs proof of residence, medical records, care logs, and nursing home admission date.
## 12 Years Passes Residency Test
Her 12 years of residence meets the two-year residency bar for the rule.
## Care Quality Matters
The state looks for evidence her care helped keep mother at home longer than two years.
## Deferral Pauses Claim
The $131,000 claim waits until she moves or sells the house.
## Hardship Waiver Option
New York may grant a waiver if the home has modest value and serves as primary residence.
## Key takeaway

A daughter who lived with her mother for 12 years after her mother's death could keep her home under New York's caregiver rule.