This Medi-Cal Reference Guide reflects some of the most frequently requested information we receive regarding Medi-Cal qualification.
Community Spouse Resource Allowance (CSRA) $119,220. This is the amount of non-qualified money or investments that the well spouse may keep. Either spouse may keep any amount of qualified assets, such as IRAs.
Monthly Maintenance Needs Allowance (MMMNA) $2,981. The well spouse is allowed to keep all of her income. The MMMNA is the minimum amount of monthly income that the well spouse is allowed to keep. If she is under this amount, the income of the ill spouse is applied to bring the well spouse up to the $2,981 amount. This calculation is set forth in the accounting that is presented with the application to Medi-Cal.
Divestment Penalty Divisor (APPR) $8,189. This is the monthly amount that the state pays to Medi-Cal nursing homes, minus a share of cost from the applicant. The APPR is also the gifting penalty divisor which is used in calculating periods of ineligibility for Medi-Cal, using the current 30 month look back period. So for instance, if the Medi-Cal applicant gifted $20,000 to a child in October, 2016, she would be ineligible for Medi-Cal for two months. Divide $20,000 by $8,189 and round down to two. The applicant would be ineligible in October and November, but would be eligible in December. There is no penalty for gifting between spouses.
Applicant Resource Allowance $2,000. This is the amount of assets that the applicant can keep, whether he is single or married.
Monthly Personal Needs Allowance $35. This is the amount of income the applicant can keep. The applicant is also given credit for his part B Medicare premium.
This off course is only part of the picture. Please feel free to contact our office for additional information.
This information is not to be taken as legal advice, and you are encouraged to see your elder law attorney. At the Law Offices of Michael J. Young, at 1931 San Miguel Dr., Ste. 220, Walnut Creek, CA www.WalnutCreekElderLaw, 925-256-0298, lawyoung1@gmail.com, we practice Elder Law and we help Baby Boomers, Seniors and families through their Elder Care Journey. We help families with long-term care planning, asset-protection plans, comprehensive estate planning, wills, trusts and powers of attorney. We also help the older client and their families get their “Ducks in a Row” in order help them qualify for Medi-Cal and the VA Aid & Attendance Improved Pension benefit.