Rhode Island Medicaid Long Term Care Eligibility
Rhode Island Long Term Care
Programs:See “Further Reading” at the end of this page.
Eligibility:1. Residency and Citizenship – the applicant must be a resident of Rhode Island 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. Persons must need care for thirty (30) consecutive days. 3. Income Limitations – (wages, Social Security benefits, pensions, veteran’s benefits, annuities, SSI payments, IRAs, etc.) An applicant must have an income of approximately $21,600 per year in order to qualify. A $50.00 monthly personal needs allowance is not counted. Request Information
4. Asset Limitations (Exempt vs. Available) – Medicaid divides assets into two categories: Exempt and Available. Exempt assets are specifically designated under the rules, and ownership of an exempt asset by the applicant will not result in a denial of benefits. If an asset is not listed as exempt then it needs to be liquidated and applied toward the costs of nursing home care before the applicant can receive Medicaid benefits. The state has a look back period of 5 years with a penalty for people who sell assets below fair market price, transfer assets to others, or give money and property away. Basically, all money and property, and any item that can be valued and turned into cash, is a countable asset unless it is listed as exempt. Under Rhode Island law, the transfer of assets to certain recipients will not trigger a period of ineligibility. A home can be transferred to (A) one’s spouse or permanently blind or disabled child (B) into a trust for other disabled dependents (C) a child under age 21 (D) a sibling who has lived in the home for at least a year before the applicant’s institutionalization and holds equity interest in the home (D) a child who has taken care of the applicant for at least two years, thus delaying the need to move into a nursing home.