Protections for the Community Spouse
Community Spouse Resource Allowance (CSRA): | Minimum: $25,000 Maximum: one-half of countable assets up to $120,900 |
Increased CSRA: | Not permitted. Alabama follows the income-first rule. |
Annuities: | Actuarially sound annuities are not permitted. |
Monthly Maintenance Needs Allowance: | Minimum: $2,002.50 Maximum: $2,002.50 |
For explanation, click here. |
Transfers
Average monthly cost of nursing home care according to state: | $5,800 |
For explanation, click here. | |
Has a Long-Term Care Partnership program been implemented? | Yes |
For explanation, click here. |
Assets
Are IRAs and other retirement plans protected (noncountable)? | No |
For explanation, click here. | |
State’s resource limit for Medicaid recipients: | $2,000 |
For explanation, click here. |
Income
Is the state an "income cap" state? | Yes |
For explanation, click here. | |
Monthly personal needs allowance for nursing home residents: | $30 |
For explanation, click here. |
Estate Recovery
Has the state expanded the definition of "estate" beyond the probate estate? | No |
Has the state included a hardship provision in its estate recovery plan? | Yes |
For explanation, click here. |
Home Equity Limit
The state Medicaid program will not cover long-term care services for those with home equity above this limit, with certain exceptions. | $560,000 |
For explanation, click here. |