Medicaid LTC Spend-Down & Eligibility Estimator

What it is

A deterministic, in-browser long-term-care Medicaid resource/income estimator for elder-law and senior-care intake. RESOURCE TEST (42 USC 1396a; 42 CFR 435.840): spend-down = max(0, countable assets - the individual resource limit). SPOUSAL IMPOVERISHMENT (42 USC 1396r-5): for a married applicant the Community Spouse Resource Allowance is protected as the spousal share of the combined snapshot, clamped between the dated CSRA minimum and maximum; the institutionalized spouse keeps the individual limit and the rest is the spend-down. INCOME TEST (42 CFR 435.236): pass if monthly income is at or under the income cap (commonly 300% of the SSI Federal Benefit Rate). No API, no key, no network, no AI - every figure is exact arithmetic citing its rule. The resource limit, income cap, CSRA min/max, and MMMNA are DATED state/year inputs you confirm; a wrong year or state never silently mis-computes because every value used is shown. Not legal, financial, or benefits advice - rules are highly state-specific; confirm with the state Medicaid agency and an elder-law attorney.

Honest scope

Authorities cited

• 42 U.S.C. 1396a(a)(10)(A) & 42 CFR 435.840 et seq. - Medicaid eligibility for the aged/blind/disabled; the SSI-related resource (asset) limit applied to countable resources.
• 20 CFR 416.1205(c) - The SSI individual resource limit ($2,000), the common default individual resource limit for SSI-related LTC Medicaid (state figures may differ).
• 42 U.S.C. 1396r-5 - Spousal impoverishment: the resource assessment ("snapshot"), the Community Spouse Resource Allowance (CSRA), and the Minimum Monthly Maintenance Needs Allowance (MMMNA).
• 42 U.S.C. 1396r-5(f)(2) - The CSRA: the spousal share of combined countable resources, protected between the state minimum and the federal maximum (CMS publishes the annual figures).
• 42 U.S.C. 1396r-5(d)(3) - The MMMNA: the income floor the community spouse may be brought up to from the institutionalized spouse’s income.
• 42 CFR 435.236 & 42 U.S.C. 1396a(a)(10)(A)(ii)(V) - Institutionalized-individual income eligibility; the income-cap option (commonly 300% of the SSI Federal Benefit Rate).
• SSA annual SSI Federal Benefit Rate - The FBR an income-cap is built on (individual): 2023 $914/mo, 2024 $943/mo, 2025 $967/mo (300% = $2,742 / $2,829 / $2,901). Confirm for the applicable year.
• CMS annual Spousal Impoverishment Standards - The dated CSRA minimum/maximum and MMMNA (e.g. 2025: CSRA min $31,584, max $157,920; MMMNA floor $2,643.75/mo). Confirm the year and the state’s election.
• 42 U.S.C. 1396p(c) - The 60-month transfer look-back and penalty-divisor period (NOT modeled here - flagged).