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Spousal Refusal
What You Need To Know About Spousal Refusal And Medicaid Eligibility?
Understanding Medicaid can be confusing, especially when it comes to figuring out how to pay for a loved one’s care without losing all of your savings. There’s something called “spousal refusal” that might help. This choice is for married couples where one person needs Medicaid to cover their healthcare costs. It’s available in New York and can make a big difference in how much a family has to spend on long-term care.
Emics Elder Care is here to explain what spousal refusal in New York is, how it works, and why it might be helpful to families like yours.
How Does Spousal Refusal Work?
If you decide to use Spousal Refusal Medicaid in NY, here’s what you need to do:
● Look at Your Money: The sick spouse has to meet Medicaid’s rules on how much money they can have. Spousal refusal helps them qualify by only looking at the sick spouse’s money.
● Sign a Spousal Refusal Statement: The healthy spouse must sign a paper that says they won’t pay for the sick spouse’s care. This paper goes to Medicaid when the sick spouse applies for help.
● Think About the Future: Even though spousal refusal helps now, Medicaid might later ask the healthy spouse to pay some of the money back. Talking with someone who knows the rules, like a specialist at Emics Elder Care, can help you understand what to expect.
Need to Qualify For Medicaid Long-Term Care Benefits?
Work with a Certified Medicaid Planner for the best Chronic Medicaid or Community Medicaid outcome.