{"id":19,"date":"2026-09-20T12:00:00","date_gmt":"2026-09-20T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/insurancestrategies-net\/2026\/09\/20\/medicaids-162660-spouse-protection-limit-https-heatherbarrow-annuitiesgenius-com\/"},"modified":"2026-09-20T12:00:00","modified_gmt":"2026-09-20T12:00:00","slug":"medicaids-162660-spouse-protection-limit-https-heatherbarrow-annuitiesgenius-com","status":"publish","type":"post","link":"https:\/\/www.insurancestrategies.net\/blog\/2026\/09\/20\/medicaids-162660-spouse-protection-limit-https-heatherbarrow-annuitiesgenius-com\/","title":{"rendered":"Medicaid\u2019s $162,660 Spouse Protection Limit | https:\/\/heatherbarrow.annuitiesgenius.com\/"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/heather-barrow\/medicaid-excess-savings-remotion-videos-bcb3\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Current federal rules let an at-home spouse keep $32.5K to $162.7K in countable assets when the other spouse enters nursing home care.<br \/>\nStates set the exact allowance within that range, and the asset snapshot locks in on the resource assessment date when institutional care begins.<br \/>\nA primary home, one vehicle, household goods, and prepaid funeral plans may stay outside the count, while spend-downs can pay debt, repairs, or uncovered care.<br \/>\nGifting money or transferring property below value can trigger a 5-yr lookback and penalty period, so couples often prioritize approved purchases instead.<br \/>\nA compliant annuity can turn excess savings into monthly income for the at-home spouse, if payments are equal, irrevocable, and repay the state first.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Current federal rules let an at-home spouse keep $32.5K to $162.7K in countable assets when the other spouse enters nursing home care. States set the exact allowance within that range, and the asset snapshot locks in on the resource assessment date when institutional care begins. A primary home, one vehicle, household goods, and prepaid funeral [&hellip;]<\/p>\n","protected":false},"author":173,"featured_media":44,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-19","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/users\/173"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":0,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/19\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media\/44"}],"wp:attachment":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media?parent=19"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/categories?post=19"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/tags?post=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}