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The expense of Texas nursing home care — which ranges from $5,000 to $8,000 a month or more — can rapidly deplete the lifetime savings of elderly couples. In 1988, Congress enacted provisions to prevent what has come to be called "spousal impoverishment," leaving the spouse who is still living at home in the community with little or no income or resources.
Spousal impoverishment rules are federal Medicaid regulations that are intended to prevent non-applicant spouses from becoming poverty-stricken in order for their applicant spouses to qualify for long-term care Medicaid. These provisions help ensure that this situation will not occur and that community spouses are able to live out their lives with independence and dignity.
Under the Medicaid spousal impoverishment provisions, a certain amount of the couple's combined resources is protected for the spouse living in the community. Depending on how much of his or her own income the community spouse actually has, a certain amount of income belonging to the spouse in the institution can also be set aside for the community spouse's use.
elder law attorney with experience in Medicaid planning
can devise a personalized Medicaid spend-down strategy for seniors
in need of help paying for long-term care. An attorney’s expertise
will ensure the institutionalized spouse will qualify for Medicaid
as soon as possible while also ensuring the community spouse is able
to retain as many assets and as much income as possible.
Post-Eligibility Treatment of Income
The post eligibility calculation is
made to determine how much an individual in an institution (usually
a nursing home) is able to contribute to cost of his/her own care.
It applies only to individuals who are institutionalized (most
commonly to those in nursing facilities) and to certain individuals
receiving home and community-based waiver services. The process only
applies to those with income and only after their Medicaid
eligibility has been established.
The contribution is determined by first calculating the individual's total income and then deducting certain amounts from that income. Specifically, the individual's contribution is his or her total income less the following deductions (often referred to as "protected amounts"):
Once the above items are deducted from the institutionalized individual's income, any remaining income is contributed toward the cost of his or her care in the institution.
Disclaimer: Elder Options of Texas is not rendering any legal or professional advice. If legal advice is necessary the reader should consult a competent attorney.
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