Spending all of your money on nursing facility costs when you don’t have to is bad enough. Now in Texas an Estate Recovery Law enables the state to file a claim on homesteads and other property to recover nursing facility costs incurred by the state. (some exceptions do apply) Previously in the state of Texas, homesteads were considered an exempt asset, and the Estate Recovery Law did not exist. Proper planning to protect homesteads and other property from Estate Recovery is now an important part of nursing home financial planning. This type of planning requires someone with specialized knowledge of the ever changing long term care rules and regulations.