Long-Term Care
Short-Term Care
Since 1970 we have designed, critiqued, and brokered Long-Term Care Insurance. We research and bring to you the highest rated plans for Long-Term Care Insurance in Ohio. With over 60 years of combined experience, we can provide knowledge and insight that can only be gained through experience in this market.

Contact Us:

Toll Free:(800) 728-0994

Telephone:(330) 499-5824

FAX:(330) 499-5829

Email: info@hardingharding.com

Long-Term Care:

Medicaid Impoverishment Limits

Medicaid is a state administered program and each state sets its own guidelines regarding eligibility and services.

Spousal Impoverishment:

(Section 1924 of the Social Security Act; U.S. Code Reference 42 U.S.C. 1396r-5)

The expense of nursing home care, which ranges from $4,000 to $6,000 a month or more, can rapidly deplete the lifetime savings of elderly couples. In 1988, Congress enacted provisions to prevent what has come to be called "spousal impoverishment," which can leave the spouse who is still living at home in the community with little or no income or resources. These provisions help ensure that this situation will not occur and that community spouses are able to live out their lives with independence and dignity

2017 Spousal Impoverishment Standards

Community Spouse Monthly Income Allowance: (Effective 1-1-15 Unless Otherwise Noted)
Minimum Monthly Maintenance Needs Allowance (MMMNA)* $2,002.50 (2,502.50 for Alaska and 2,302.25 for Hawaii) (Effective July 1, 2016)
Maximum: $3,022.50

Community Spouse Resources:
Minimum Resource Standard: $24,180
Maximum Resource Standard $120,900

*NOTE: The minimum monthly maintenance needs allowance, excess shelter allowance and the family allowance will be revised effective July 1, when the federal poverty level is updated.