{"id":18,"date":"2026-09-14T13:00:00","date_gmt":"2026-09-14T13:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/perrypartnersllc-com\/2026\/09\/14\/us-nursing-home-spousal-protection-rules\/"},"modified":"2026-09-14T13:00:00","modified_gmt":"2026-09-14T13:00:00","slug":"us-nursing-home-spousal-protection-rules","status":"publish","type":"post","link":"https:\/\/www.perrypartnersllc.com\/blog\/2026\/09\/14\/us-nursing-home-spousal-protection-rules\/","title":{"rendered":"US Nursing Home Spousal Protection Rules"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/perry-johnson\/medicaid-excess-savings-72fd\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Navigating nursing home care for a loved one involves more than just medical decisions\u2014it\u2019s about protecting the financial well-being of both spouses. Current federal guidelines allow the spouse remaining at home to retain between $32,500 and $162,700 in countable assets, with each state setting its own limit within that range. The snapshot of your assets is taken at the start of institutional care, locking in what counts and what doesn\u2019t. Fortunately, your primary residence, one vehicle, household goods, and prepaid funeral plans are usually exempt from this calculation. Many families find that spend-down strategies\u2014like paying off debt, making home repairs, or covering care costs not covered by insurance\u2014can help them stay within these rules. However, transferring assets or gifting money below market value within five years can trigger penalties, so it\u2019s important to focus on approved transactions. In some cases, a properly structured annuity can convert excess resources into steady monthly income for the at-home spouse, provided it\u2019s irrevocable, pays out in equal installments, and names the state as the primary beneficiary.<\/p>\n<p>Having guided many families through these complex choices as a Life, Annuities, and Medicare Health Advisor, I know how important it is to balance care needs with financial security. If you\u2019re considering long-term care options, it\u2019s always wise to seek advice tailored to your unique situation.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Navigating nursing home care for a loved one involves more than just medical decisions\u2014it\u2019s about protecting the financial well-being of both spouses. Current federal guidelines allow the spouse remaining at home to retain between $32,500 and $162,700 in countable assets, with each state setting its own limit within that range. The snapshot of your assets [&hellip;]<\/p>\n","protected":false},"author":307,"featured_media":47,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/posts\/18","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/users\/307"}],"replies":[{"embeddable":true,"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/comments?post=18"}],"version-history":[{"count":0,"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/posts\/18\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/media\/47"}],"wp:attachment":[{"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/media?parent=18"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/categories?post=18"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.perrypartnersllc.com\/blog\/wp-json\/wp\/v2\/tags?post=18"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}