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Tools & Calculators

What is your financial exposure? The tools below can help you quickly identify gaps in your legal firewall against financial devastation, as well as aid in gauging your income should you, a spouse or family member require Medicaid coverage of long-term care.

Your Legal Check-Up

Are you all set legally? Or do you need to take steps to protect yourself and your family from:

  • Lawsuits
  • Divorce
  • Taxes
  • Costs of long-term car
  • Premature death

Answer the following questions to learn whether you need to take any steps to protect yourself, your savings and your family. We will keep your answers in the strictest confidence.

Minimum Monthly Maintenance Needs Allowance

The Medicaid agency in each state calculates the income the spouse of a nursing home resident - the "community" spouse - must have to survive. This amount is based on a standard formula (which may differ somewhat from state-to-state) which includes some housing costs. Based on the determination of this income or allowance, or "Minimum Monthly Maintenance Needs Allowance" or "MMMNA", the agency determines how much of the nursing home spouse's income the community spouse may keep.

NOTE: California and Hawaii use the maximum MMMNA for all community spouses.

Patient Pay Amount Calculator

This calculator provides an estimate of the amount a nursing home resident covered by Medicaid must pay the nursing home each month. This amount is often referred to as the "patient pay amount" or "PPA". In essence, the nursing home resident must pay all of his or her income to the nursing home less a small personal needs allowance, an allowance for a spouse or a dependent child living at home, and any health care expenses, such as health insurance premiums. The calculations may differ in your state, so consult with an elder law attorney or the state Medicaid agency for an exact figure.