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Protection Against Spouse Poverty

Several decades ago, Congress created safeguards to protect the savings of married couples using Medicaid. These protections prevent husbands and wives from bankrupting themselves and funding care for their loved ones. They originally required states to allow spouses of nursing…

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Medicaid Gift Penalty

As Americans age, we are also living longer, which means more of us will require long-term care in the future. It is estimated that seven out of ten Americans will need long-term care during their lives. Long-term care can include…

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Medicaid Waivers for In-Home Care

Consider Medicaid long-term care benefits again if you believe you can't qualify due to strict income and asset limits. If you currently demonstrate the need for nursing home facility services, you may meet health eligibility rules for a Medicaid waiver…

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The High Costs of Senior Living

Americans are increasingly in need of affordable long-term support services. Premiums for long-term care insurance policies and nursing home bills are exorbitant. The US Department of Health & Human Services (HHS) finds that Americans aged 65 or more have a 70…

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The Medicaid Penalty Period and How to Avoid It

For nursing home care, assisted living, in-home care, or adult foster care, individuals must meet the income and asset requirements of the Medicaid program. As a result of these rules, many candidates give away their money and resources to qualify.…

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