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Medicaid Applicants: Protecting Your Healthy Spouse in 2025 Generally, the CSRA increases each year Starting January 1, 2025, a spouse who lives at home while their partner receives Medicaid long-term care benefits can retain up to $157,920 in assets (an increase from $154,140 in 2024) Some states apply a maximum CSRA as well as a minimum CSRA Under federal law, the minimum CSRA in 2025 will be $31,584
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
Key State Medicaid Information for New York Key Medicaid Information for New York Protections 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 2024 Spousal Impoverishment Figures Note that most of the latest figures, outlined below, are effective January 1, 2024 Community Spouse Resource Allowance (CSRA) A spouse who continues living at home while their partner receives long-term care coverage through Medicaid can keep up to $154,140 in assets starting in 2024
Key State Medicaid Information for Ohio - ElderLawAnswers Protections for the Community Spouse Community Spouse Resource Allowance (CSRA): Minimum: $31,584 00 Maximum: $157,920 00 Increased CSRA: Permitted through appeal Ohio follows the income-first rule Annuities: Annuities purchased prior to the first continuous period of institutionalization are given some protected status * Monthly Maintenance Needs Allowance: Minimum: $2,643 75 Maximum: $3,948 00
Key State Medicaid Information for Colorado - ElderLawAnswers Key Medicaid Information for Colorado Protections for the Community Spouse Community Spouse Resource Allowance (CSRA) $157,920 00 Increased CSRA Permitted Colorado follows the income-first rule Annuities Actuarially sound annuities are permitted Monthly Maintenance Needs Allowance Minimum: $2,643 75 Maximum: $3,948 00
Key State Medicaid Information for South Carolina - ElderLawAnswers Medicaid information for South CarolinaProtections for the Community Spouse Community Spouse Resource Allowance (CSRA): $66,480 00 Increased CSRA: Not permitted Annuities: Actuarially sound annuities are permitted Monthly Maintenance Needs Allowance: $3,948 00
Key State Medicaid Information for Nevada Medicaid information for NevadaProtections for the Community Spouse Community Spouse Resource Allowance (CSRA): $157,920 00 Increased CSRA: Permitted * Nevada follows the income-first rule Annuities: Actuarially sound annuities are not permitted Monthly Maintenance Needs Allowance: $3,948 00
Understanding Medicaids Long-Term Care Spousal Impoverishment Community Spouse Resource Allowance (CSRA) A married couple's financial resources, called assets, have different rules than those that apply to income 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
How Medicaids Snapshot Date Affects Medicaid Eligibility Example: If a couple has $100,000 in countable assets on the snapshot date and the state allows the spouse to keep half the couple’s assets up to the maximum CSRA, the Medicaid applicant will be eligible for Medicaid once the couple's assets have been reduced to a combined figure of $52,000 ($2,000 for the applicant plus $50,000 for the