Spousal Impoverishment: Medicaid Spend-Down Rules for Married Couples
Paying for long-term care can be a complex and emotionally taxing process for elderly couples, especially when only one spouse requires nursing home-level care. The challenge lies in covering the high costs of care without financially destabilizing the spouse who remains in the community. Fortunately, Medicaid offers a solution through a process called "spend down," which allows the community spouse to retain a protected portion of the couple’s income and assets. This approach ensures that the spouse needing care can access necessary services without leaving the other spouse impoverished, striking a balance between financial security and essential healthcare support.
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