Basically one spouse has to spend down asset and income until it reaches an exemption amount. For example primary resident is exempt becaue the healthy spouse needs somewhere to live. Details see above.
Before the asset/income reaches the exemption amount, you spend your own money for nurse/nursing home. After reaching the exempt amount you can enroll in medicaid and live in nursing home for free.
In approximately 30 states, 401K’s and IRA’s are countable assets. The remaining states allow them to be exempt, but many states require they be in pay out status. This means the owner of the account is receiving the required minimum distribution. Furthermore, some states will only exempt a non-applicant spouse’s retirement account. More.
有啥别有病。。。
一朋友发中风已经有些日子了，现在也没起来，也许这辈子就这样了。。。比我大不了多少，孩子倒都大了自立了。像这样的在美国咋办啊，还有几十年呢。在国内至少现在雇人还雇得起。。。
有什么人在这方面有所研究么，有什么办法给他太太保留些财产，不要都花光了等他过世的时候成赤贫了。
https://www.medicaidplanningassistance.org/medicaid-spend-down/
Basically one spouse has to spend down asset and income until it reaches an exemption amount. For example primary resident is exempt becaue the healthy spouse needs somewhere to live. Details see above.
Before the asset/income reaches the exemption amount, you spend your own money for nurse/nursing home. After reaching the exempt amount you can enroll in medicaid and live in nursing home for free.
两个人不知道谁会有病，medicaid要看七年的财产转移，怎么可能来得及分清楚。
In approximately 30 states, 401K’s and IRA’s are countable assets. The remaining states allow them to be exempt, but many states require they be in pay out status. This means the owner of the account is receiving the required minimum distribution. Furthermore, some states will only exempt a non-applicant spouse’s retirement account. More.
基本上配偶的那一半不用算，病人的那一半需要spend down。几乎是算小离婚了。
而且他本人医疗上有disability, 医保， 并不需要花钱。 家里还买了大房子，生活并不拮据。孩子也上了好大学。
假如在某个州，规定退休账户也要spend down，而且老婆从来不工作，只有老公有退休账户，怎么办?
medicaid是联邦经费，各州自己管理，规矩不一样，只能自己研究自己的本州，或者自己想退休的州。
还是想不花钱靠政府免费养，自己的钱省下来留给老婆孩子? 这样的话，根据楼上各位的建议，好像要么钻空子吃福利，要买搬去你最讨厌的蓝州。
一般拿不到最高金额。Average 只有$1483一个月。38岁工作了十多年，拿不了多少。配偶和未成年子女可能可以拿一些。但有一个家庭的上限。