Idaho Medicaid Long Term Care Eligibility
Idaho Long Term CareIdaho is an income cap state, meaning that in order to be eligible for Medicaid long term care benefits there is a hard income limit. Non income cap states allow applicants to spend down money for their care, whereas income cap states require the amount to be no higher than their limit at time of application. Request Information
Eligibility:1. Residency and Citizenship – the applicant must be an Idaho resident and a U.S. citizen or have proper immigration status. 2. Age/Disability – the applicant must be age 65 or older, or blind, or disabled. The applicant must meet certain medical requirements consistent with the level of care requested. 3. Income Limitations – if single, the applicant’s income (wages, Social Security benefits, pensions, veteran’s benefits, annuities, IRAs, etc.) must be less than $2,250 per month for 2018. Persons with income in excess of $2,250 can still qualify for Medicaid coverage if excess income is placed into a Qualifying Income Trust (QIT). The trust must be irrevocable and Idaho Medicaid must be the designated recipient when the beneficiary dies. Only income in excess of $2,250 must be placed in the trust.
- There is personal needs allowance of $40/month that is not factored into the total countable income.
Exempt Assets for an applicant in Idaho include:i. $2,000 or less in cash/non-exempt assets if single; $4,000 for a married couple. ii. Personal effects and household goods. iii. One home (equity value limited to $858,000) is exempt if expecting to return, a spouse, a child under 21, or a disabled person resides in it. The house can be transferred with no penalty to the spouse; a natural, adopted, or step child who is under 21, or blind or disabled; a sibling who has equity interest in the home and lived with the institutionalized individual one year prior to institutionalization; another adult, who lived with the resident and provided care for at least two years thereby delaying institutionalization. iv. One motor vehicle if the vehicle is used for the long term care recipient’s medical treatment, employment, modified to accommodate a disability, or the primary vehicle of the community spouse. vi. Burial spaces and irrevocable pre-paid burial trusts if tied to specific funeral or burial services.
Spousal Rules:Amount of assets community spouse may retain: The maximum value of assets a community spouse can retain for self-support without disqualifying the nursing home spouse is $123,600. If the community spouse’s assets do not equal a minimum of $24,720, he/she may be able to keep some of the nursing home spouse’s resources until the minimum is met.
Community spouse impoverishment protection: If the community spouse’s income does not equal at least $2,030 per month, he/she may keep some of the institutionalized spouse’s income in order to meet the minimum of $2,030. If the community spouse’s living expenses are exceptionally high, he/she can appeal to keep more of the institutionalized spouse’s income, up to $3,090.