State Law Check

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Elder-care calculators

Rough numbers from each state's published figures. When a figure we need isn't confirmed from an official source, the calculator says so instead of guessing.

Research summary, not legal advice. Dollar figures are for the year shown and change every January. Confirm with the state Medicaid agency or an elder-law attorney before acting.

The calculators need JavaScript. The figures they use are on each state's page.

Gift penalty

Gifts within the look-back delay nursing-home Medicaid: the gift divided by the state's penalty divisor.

Spouse's share (CSRA)

How much of the couple's countable assets the spouse at home keeps when the other spouse needs nursing-home Medicaid.

Do I need a Miller trust?

In income-cap states, income over the limit must go into a qualified income trust (Miller trust).