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 ...
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The CSRA outlines how much of the couple’s assets the healthy spouse can keep while their partner gets their long-term care covered by Medicaid. The CSRA generally increases each year.
Generally, the CSRA increases each year. Starting , 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.
Protections for the Community Spouse Community Spouse Resource Allowance (CSRA): Minimum: $32,532.00 Maximum: $162,660.00 Increased CSRA: Permitted. Texas follows the income-first rule, if the snapshot date is on or after 9/1/04. Annuities: Actuarially sound annuities are permitted for community spouses only. Monthly Maintenance Needs Allowance ...
Key Medicaid Information for New York Protections for the Community Spouse Community Spouse Resource Allowance (CSRA): Minimum: $74,820.00 Maximum: $162,660.00 Increased CSRA: Permitted. New York does not follow the income-first rule. Annuities: Actuarially sound annuities are permitted. Monthly Maintenance Needs Allowance: $4,066.50