These may include lab work, medical supplies, home health care, assistance with daily living activities, and more.5) Illinois Medicaid-Medicare Alignment Initiative (MMAI) – Also for individuals who are dually eligible for Medicaid and Medicare, this is a managed care program that streamlines both program benefits. This includes memory care for persons with Alzheimer’s disease and other dementias.2) HCBS Waiver for the Elderly – This waiver provides limited support to help seniors remain living at home.

Said another way, if one meets the income requirement for Medicaid eligibility, but not the asset requirement, the above program cannot assist one in “2) Medicaid Planning – the majority of persons considering Medicaid are “over-income” or “over-asset” or both, yet they still cannot afford their cost of care. Age/Disability – the applicant must be age 65 or older, or blind, or disabled.

A homestead held in trust is not exempt unless the applicant’s spouse, minor child, or disabled adult child resides there.Community spouse resource allowance: The community spouse can keep one-half of all non-exempt resources owned by one or both spouses with a maximum value of $109,560. Exemptions include personal belongings, household furnishings, an automobile, irrevocable burial trusts, and one’s primary home, given the Medicaid applicant or their spouse lives in it and the home equity value is under $595,000 (in 2020). These programs have slightly different eligibility requirements and benefits. In addition to applying online at Copyright © 2020 All rights reserved. However, for Medicaid eligibility, there are many assets that are considered exempt (non-countable).
To clarify, this income can come from any source. Available) – Medicaid divides assets into two categories: Exempt and Available. Residents of Illinois must retain fewer than $2,000 worth of countable assets to qualify for AABD Medical.
The program is a wide-ranging, jointly funded state and federal health care program for low-income individuals of all ages. Medicaid helps people in need with healthcare costs. Assets. Illinois has a one-month “spend-down” period, so once an individual has paid his or her excess income down to the Medicaid eligibility limit for the month, he or she will qualify for Medicaid for the remainder of the month.Unfortunately, the Medically Needy Pathway does not assist one in spending down extra assets for Medicaid qualification. The spenddown program helps some people who have too much income or too many assets (like bank accounts and other resources) to qualify for other HFS Medical Programs. The applicant must meet certain medical requirements consistent with the level of care requested.3. In this case, Sam may transfer all of his assets to Mary, because the total value of the combined assets ($70,000) is less than the CSRA For Medicaid recipients living in nursing homes, there are special rules regarding income. In Illinois, this program is often called a “spend down” program. Find help in your area.If a Medicaid recipient lives in a nursing home and has a spouse, there are special rules. In Illinois, Medicaid is available to people in need, who are low-income adults ages 19 to 64 years, over 65 years, disabled, blind, or pregnant women. Income Limitations – the applicant’s income (from all sources) must be less than the cost of care at the private pay rate. The state retained its lien rights on the farm value so that it could recoup any Medicaid payments made during the applicant’s life. Illinois is an income cap state and does not allow Qualified Income Trusts (QITs), but does allow monthly excess income to be allocated to Pooled Income Trusts. Previously, the penalty periods began in the month the assets were transferred. In past versions of the DRA, income producing farmland and equipment were exempt assets (subject to the state’s lien rights) that would not disqualify an applicant from eligibility if all other income/asset requirements were satisfied. The spouse in the nursing home may keep income of only $30 per month (or $90 if they get veteran’s benefits).

The theory of the exemption was that allowing the applicant to retain the income from the farm rather than liquidating the asset would permit the applicant to pay more toward their own care costs, thus reducing the monthly expenditure by the state. The table below provides a quick reference to allow seniors to determine if they might be immediately eligible for long term care from a Medicaid program.


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