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Medicaids CSRA: Protecting a Healthy Spouse from Poverty Medicaid law provides special protections for the spouses of Medicaid applicants to make sure the spouses have the minimum support needed to continue to live in the community while their loved one is receiving long-term care benefits, usually in a nursing home One of the most important protections is the Community Spouse Resource Allowance (CSRA) It works this way: if the Medicaid applicant
Medicaid Applicants: Protecting Your Healthy Spouse in 2025 Fortunately, no – states permit the healthy spouses of Medicaid applicants to retain a certain amount in resources to protect them from becoming impoverished Community Spouse Resource Allowance for 2025 Each year, the Centers for Medicare Medicaid Services (CMS) issues updated Community Spouse Resource Allowance (CSRA) figures
Key State Medicaid Information for New York Medicaid information for New YorkProtections for the Community Spouse Community Spouse Resource Allowance (CSRA): Minimum: $74,820 00 Maximum: $157,920 00 Increased CSRA: Permitted New York does not follow the income-first rule Annuities: Actuarially sound annuities are permitted Monthly Maintenance Needs Allowance: $3,948 00
2024 Standard Protections for Spouses of Medicaid Applicants In addition to CSRA, the federal government offers another level of protection for the community spouse: the Monthly Maintenance Needs Allowance (MMNA) The MMNA ensures that the healthy spouse who continues to live in the couple’s home maintains a certain amount of monthly income while their partner receives their Medicaid long-term care
Key State Medicaid Information for New Hampshire Protections for the Community Spouse Community Spouse Resource Allowance (CSRA): Minimum: $31,584 00 Maximum: $157,920 00 Increased CSRA: No standard policy, but a fair hearing can be obtained N H follows the income-first rule Annuities: Actuarially sound annuities are permitted, with certain restrictions Monthly Maintenance Needs Allowance: Minimum: $2,555 00 Maximum: $3,948 00 Transfers
Key State Medicaid Information for Maryland - ElderLawAnswers Medicaid information for MarylandProtections for the Community Spouse Community Spouse Resource Allowance (CSRA): Minimum: $31,584 00 Maximum: $157,920 00 Increased CSRA: Maryland follows the income-first rule Annuities: Actuarially sound annuities are permitted * Monthly Maintenance Needs Allowance: Minimum: $2,465 00 Maximum: $3,948 00
Key State Medicaid Information for Wisconsin - ElderLawAnswers Medicaid information for WisconsinProtections for the Community Spouse Community Spouse Resource Allowance (CSRA): Minimum: $50,000 00 Maximum: $157,920 00 Increased CSRA: Permitted Wisconsin follows the income-first rule Annuities: Annuities are not permitted unless payments have no resale value Monthly Maintenance Needs Allowance: Minimum: $3,406 66 Maximum: $3,948 00
Medicaid Enrollees: Financial Protection for Your Spouse This "community spouse resource allowance" (CSRA) adjusts each year It is the maximum amount a state may allow the healthy spouse to retain (without a hearing or a court order) The least that a state may allow a community spouse to retain is $29,724 (in 2023) For instance, a couple has $100,000 in countable assets on the date the applicant enters a nursing home The applicant will be
Understanding Medicaids Long-Term Care Spousal Impoverishment All assets are considered jointly owned and count toward the Medicaid applicant's asset limit, even if only one spouse applies for long-term care Medicaid The community spouse resource allowance (CSRA) preserves a portion of combined assets for the person who remains at home Meanwhile, other assets are exempt and not counted toward the asset