Using Medicaid to Cover Services for Elderly Persons in Residential Care Settings: State Policy Maker and Stakeholder Views in Six States. Spousal Protections

12/01/2003

  • Community spouses may keep any income in their own name, and the state allows the institutionalized spouse's income to supplement the community spouse's income up to $1,515 per month.5 Community spouses are also allowed additional amounts for rent or mortgage payments (including insurance and taxes) and are permitted a standard utility allowance.

  • Community spouses may keep the higher of either the first $18,132 of total nonexempt assets or one-half of the total non-exempt assets owned at the time care began, up to the maximum protected resource amount of $90,660. For example, if the couple's assets are $30,000, one half is $15,000, but the state will protect $18,132 for the spouse at home. If the couple's assets are $250,000, one half is $125,000, but the state will protect only $90,660 for the spouse at home.


5. The state plans to increase the amount in 2003.

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