Below are the basic Medicaid eligibility requirements for receiving benefits in Massachusetts. You may be eligible for Medicaid benefits if you meet all of the following requirements.
(One or more of the following.)
- Individual age 65 or older
- Disabled individual between the ages of 18 and 65
- Blind Individual
Citizenship and Residency
(Both of the following.)
- U.S. Citizen or an eligible non-citizen
- Resident (Connecticut)
Asset limits apply as follows. Single Person $2,000 Married couple (if husband and wife are in a nursing home) $3,000 Married couple (with one spouse living at home) $154,140.
An attorney should be consulted for any of the following conditions
Spend Down Requirements
To be eligible for Medicaid to cover the cost of your nursing home, your remaining liquid assets must be below a certain dollar amount. To qualify, many people need to “spend down” their remaining assets until they get below that threshold. Medicaid allows few uses of your remaining money other than paying for a nursing home or a funeral contract.
However, nursing home private pay charges are allowed as part of this “spend down.” Medicaid4You.com, LLC fees can also be applied as part of your “spend down” expenses.
Certain of your assets will be excluded from spend down considerations and asset limits. These are:
Home Property: Excluded if there is a community spouse. Home property includes the dwelling and the surrounding property.
Non-Home Property: Excluded for as long as the individual is making a bona fide effort to sell the property.
Life Insurance Requirements
The cash surrender value of life insurance is excluded if the face value of all such policies is less than $1,500.
If the face value exceeds $1,500, the cash surrender value of the policy is counted toward your asset limit. Term insurance is not counted.
Other items, if applicable, should involve consultation with an attorney. These might include Transfer of Assets, Motor Vehicles, and Burial Funds.