Medicaid Spend-Down Eligibility 2027

Calculate Medicaid spend-down 2027 — must reduce assets below $2k single (or $130k joint community spouse) to qualify for long-term care.

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Legal Strategy Overview

Asset protection + estate planning law varies by state. This calculator provides general framework. State-specific analysis needed.

State Variations 2027

Each state has unique homestead, garnishment, tenant-by-entirety, DAPT rules. Some states (FL, TX, NV, AK, SD) particularly creditor-protective.

Common Strategies

Domestic Asset Protection Trust. LLC with charging order protection. Joint property (TBE in 25 states). Retirement accounts (ERISA protection). Homestead exemption.

Documentation Critical

Improper structure = creditor pierces. Strict adherence to formalities required. Annual review with attorney essential.

Source: medicaid.gov asset limits 2026, naela.org elder law guidelines. Last updated: May 2026.