Long-Term Carehard

Spousal Impoverishment Protection Forms

State-specific · State Medicaid agencies

Documentation establishing the Community Spouse Resource Allowance (CSRA) and Monthly Maintenance Needs Allowance (MMNA) protecting the non-institutionalized spouse's assets and income.

Form Details

Total fields
50
Auto-fillable
20 (40%)
Time without BeneFill
60 minutes
Time with BeneFill
15 minutes
Time saved
45 minutes
Filled by
patient
Frequency
one time
State-specific
Yes — form may vary by state

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Where to Submit This Form

📬

Submit to the state Medicaid agency with the LTC Medicaid application

🏢

Provide to your Medicaid caseworker

Filing Deadline

Submit with the LTC Medicaid application. The snapshot of community spouse assets is taken as of the date of institutionalization (or the first continuous period of institutionalization).

Required Attachments

  • 📎 Documentation of all couple's resources as of the date of institutionalization
  • 📎 Community Spouse Resource Assessment request (if formal assessment is needed)
  • 📎 Income documentation for both spouses
  • 📎 Documentation of shelter expenses for the community spouse
  • 📎 Health insurance information for both spouses

Processing Time

Processed as part of the LTC Medicaid application (45-90 days). A separate Community Spouse Resource Assessment can be requested at any time after institutionalization.

What Happens Next

The state determines the Community Spouse Resource Allowance (CSRA) — the amount of assets the community spouse can retain. The state also determines the Community Spouse Monthly Income Allowance (CSMIA) from the institutionalized spouse's income. Excess resources must be spent down before Medicaid eligibility is established.

Tips for This Form

  • Federal law protects the community spouse from impoverishment — they can retain a minimum amount of resources and income
  • The CSRA ranges from approximately $30,828 to $154,140 (2024 figures, updated annually) depending on the state
  • The community spouse can request a fair hearing to increase the CSRA if the standard amount is insufficient to prevent financial hardship
  • Some states are 'income-first' states (community spouse gets more of the institutionalized spouse's income) and others are 'resource-first' states

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