What is the Community Spouse Resource Allowance (CSRA)?

If one spouse enters a nursing home while the other remains at home (the 'community spouse'), the community spouse can retain up to $154,140 of the couple's combined countable assets to prevent spousal impoverishment.

What is the Medicaid 5-year look-back period?

Medicaid reviews all financial asset transfers and gifts made within 60 months (5 years) prior to the application date. Any gifts made for less than fair market value trigger a statutory penalty period of Medicaid ineligibility.

أمريكامحدث لعام 2026الصحة والطب

US Medicaid Long-Term Care & Nursing Home Spend-Down Calculator 2026

Calculate Medicaid Long-Term Care (Institutional/Nursing Home) financial eligibility, countable vs exempt assets, Community Spouse Resource Allowance (CSRA), and monthly spend-down requirements.

التأمين الصحي التعاوني التأمين والخدمات الاكتتابية الشؤون القانونية والتنظيمية

النتيجة النهائية

Excess Assets Required to Spend Down

88,000$

بيانات ومدخلات الحساب

Marital Status

Total Countable Liquid Assets (Savings, Stocks, Non-Retirement Accounts)

خيارات سريعة:

Private Pay Monthly Nursing Home / Care Facility Rate

خيارات سريعة:

Excess Assets Required to Spend Down

88,000$

Total Protected Family Assets

92,000 ‎$‎

Months of Private Care Until Eligible

9.3 ‎Months‎

Community Spouse Protected Share (CSRA)

90,000 ‎$‎

Applicant Retained Asset Limit

2,000 ‎$‎

Individual countable asset limit is typically $2,000. Community Spouse Resource Allowance (CSRA) protects up to $154,140 for a non-applicant spouse. A 60-month (5-year) look-back period applies to asset transfers.

هذه الحاسبة نموذج حسابي ورياضي للياقة والتغذية لأغراض التوعية العامة فقط. النتائج التقديرية لا تُعتبر تشخيصاً طبياً أو بديلاً عن الرعاية الصحية المتخصصة. يُرجى دائماً استشارة الطبيب أو أخصائي التغذية قبل البدء بأي نظام جديد.

المرجع النظامي / القانوني: Social Security Act (42 U.S.C. § 1396p - Medicaid Long-Term Care Eligibility, 5-Year Look-Back Period & Asset Spend-Down Limits)تاريخ التحقق والتحديث: 2026-09-04

آلية ومعادلة الحساب القانونية

Countable Assets = Total Liquid Assets - Principal Primary Residence Exemption (up to $713k/$1.07M) - Vehicle Exemption. Excess Assets to Spend Down = max(0, Countable Assets - Applicant Asset Limit ($2k) - Community Spouse Allowance).

الأسئلة الشائعة

In most states, a single applicant can keep no more than $2,000 in countable liquid assets (checking, savings, stocks) to qualify for Medicaid nursing home coverage.

حاسبات ذات صلة

أدوات وحاسبات إضافية موصى بها بناءً على ما تقوم بحسابه الآن

عرض كل الحاسبات

أمريكا

US Medicaid Long-Term Care & Nursing Home Spend-Down Calculator 2026

بيانات ومدخلات الحساب

آلية ومعادلة الحساب القانونية

الأسئلة الشائعة

حاسبات ذات صلة

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