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Property Determinations for LTC Individuals
Property is evaluated for LTC individuals in the same way that it is evaluated for regular Non-MAGI clients with the following exceptions:
- California Partnership-approved LTC policies are not counted as property.
- A former home is exempt if the person is in LTC, as long as they intend to return.
- The separate property and the share of community property of the spouse at home (who is not included in the LTC MFBU) when the LTC spouse entered LTC prior to September 30, 1989.
Note: Effective January 1, 2024, asset limits are eliminated and should not be used in determining eligibility for Non-MAGI MC programs at application, redetermination, or when a change in circumstance is reported. The elimination of assets applies to all Non-MAGI programs, including Long Term Care and Medicare Savings Programs. All Medi-Cal policy guidance remains in effect for eligibility determinations prior to implementation on January 1, 2024.
Property MFBU Determination for Adults
Couples With No Children
Individuals with a Community Spouse at home and no children are always in separate MFBUs for the purposes of property starting the month after admission with the following exceptions:
- When a married couple are both ABD in LTC, sharing a room or in separate rooms, and both are applying and eligible. The married couple remains in the same MFBU until the month after 6 consecutive months of being in LTC.
- When a married couple are both MI in LTC, or one in Board and Care and one in LTC, the married couple remains in the same MFBU until one or both are no longer MI or no longer in Board and Care.
Single Parent Households
ABD individuals in LTC with children at home are in separate MFBUs.
Non-ABD individuals in LTC with children at home remain in the same MFBU.
Two-Parent Households
Individuals with a Community Spouse and children at home are always in separate MFBUs with the following exception:
- When both parents are Non-ABD (MI) and one is at home, the LTC parent remains in the family’s MFBU.
Property Determination for Children
Use the chart below to determine whose income and property is included for a child in LTC who was in the following living situations immediately before entering the LTC facility.
|
Living Situation |
Age |
Other Details |
Income/Property Counted |
|
Any living situation, claimed as a tax dependent by parent |
0-21 |
N/A |
Parent’s, Child’s, and other MFBU member’s |
|
Independent Living Situation |
0-21 |
N/A |
Child’s |
|
Living on parent’s “other real property” |
18-21 |
Not receiving any financial support from parents |
Child’s |
|
18-21 |
Receiving financial support from parents |
Parent’s, Child’s, and other MFBU member’s |
|
|
0-18 |
N/A |
||
|
Attending school away from parent’s home |
14-21 |
Returns home when not in school and considers the parent’s home his / her home |
Parent’s, Child’s, and other MFBU member’s |
|
14-21 |
Handles his/her own financial affairs and considers him/herself to live on their own |
Child’s |
|
|
0-14 |
N/A |
Parent’s, Child’s, and other MFBU member’s |
|
|
Living with parents |
0-18 |
Disabled |
Child’s |
|
|
0-18 |
Not Disabled |
Parent’s, Child’s, and other MFBU member’s |
|
In Foster Care |
0-21 |
N/A |
Child’s |
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