altcs eligibility requirements

ALTCS Eligibility Requirements 2022

First, you must be;

A US citizen or have resident status and have a Social Security Number.

And be an Arizona resident.

Need nursing home level or custodial level of care as determined by AHCCCS.

If you are a war-time veteran or surviving spouse of a qualified veteran, you must prove that you have applied for the Veteran’s Pension with Aid and Attendance benefit. I’m a VA Accredited Claims Agent, so if needed, I can Legally Prepare, Present, and Prosecute a claim for a veteran or surviving spouse.

ALTCS Medical Eligibility Requirements 2022

For someone to qualify medically for ALTCS, the person applying must need a nursing home level of care. 

Medical Caseworker does a Preadmission Screening to determine the ALTCS eligibility requirements of the Applicant. They use several sources of information in the process.

  1. The applicant is interviewed in person or over the phone.
  2. The assessor interviews the caregivers, and a plan of care is required to be provided by them.
  3. The Medicaid Caseworker reviews medical records

The assessment takes into account the following:

  • Activities of Daily Living

Bathing, Dressing, Grooming, Eating, Toileting, Transferring, Mobility

  • Cognitive Impairment
  • Medical Conditions

Hematologic/ Oncologic,  Cardiovascular, Musculoskeletal, Respiratory, Metabolic, Neurological, Genitourinary, Gastrointestinal, Ophthalmologic/ EENT, Psychiatric, Current Skin Conditions

  • Continence

Bowel and Bladder incontinence

  • Orientation

Do they know the people helping them, their loved ones, place and time, ability to communicate, hearing?

The applicant is asked a series of questions like:

Where are you? What time is it? What day of the week is it? Who is the President of the United States?
(Do not help the applicant to respond)

  • Behavior issues – over the past 90 days

Wandering, Self-injurious, Aggression, Resistiveness, Disruptive Behavior

  • Services and Treatments

Physical Therapy, Occupational Therapy, Speech Therapy, Respiratory Therapy, Alcohol, and Drug Treatment

The above is used to determine A.L.T.C.S. eligibility. The applicant must score a minimum of 60 points and again must be at a nursing level of care.

This can be not very clear to most. Care Funding Solutions’, Certified Medicaid Planner,  Steve Dabbs can help. He will provide you a free medical assessment to determine your medical eligibility. Call 480-967-8477

ALTCS Financial Limits – Income & Assets

The Income and Asset ALTCS eligibility requirements are adjusted each year in July. 

ALTCS Income Eligibility Requirements 2022

The current 2021-2022 income cap for an applicant is $2,382 from all income sources. If your income is above the income cap, you can still qualify by setting up an “Income Only Trust, a.k.a Miller Trust”.

With a married couple, the income rules are a little less straightforward.

ALTCS eligibility requirements for a married couple is determined in one of two ways.

First, keep in mind that all income with a married couple is separated.

If it is under the cap of $4,764, then an income-only trust is not needed, even if the person applying for benefit’s income is above the $2,382 cap.

The second-way income is handled is this way; the healthy non-applicant spouse can have unlimited income, and the spouse needing extended care will qualify without an income-only trust.

Here is an example;

Bob’s income is over $7,000 per month, and Mary’s income is only her Social Security of $722 per month.  Mary’s needs extended care and her income is well below the income cap.

She will be allowed to keep her personal needs allowance of $119.10 per month, and the balance will go to pay for her care or $602.90.

Bob, on the other hand, will be able to keep 100% of his income and is not required to pay for Mary’s care.

Understand that the spouse needing extended care’s income is still subject to the income cap and if over the cap, which currently for 2021 in Arizona is $2382 per month. And IF the household countable income is double that or $4,764 per month, then an income-only trust or miller trust** is needed for the person applying for benefits. 

** Also called a Special Needs Trust

altcs eligibility requirements
altcs eligibility requirements

Currently the maximum countable assets are as follows:

Individual Resource Allowance – $2000
Minimum Commuity Spouse Resources Allowance – $26,076
Maximum Commuity Spouse Resources Allowance – $130,380

Non-Countable Assets are, applicants primary residence, a car, personal effects, wedding rings, prepaid funeral plans and up to $1,500 in life insurance. See Funeral Trusts

So what if you assets exceed the maximum allowed? Here is a short list of ways to reduce countable assets, LEGALLY!!!

 

First and smartest way to use some of your countable assets is to hire a Certified Medicaid Planner. The fee that a CMP™, charges is an allowable expense. 

Here is a short list:

1. Convert Countable Assets to Non-Contable Income– Consult a CMP
2. Buy a car
3. Pay off debt
4. Create a gifting plan – Consult a 
CMP

The CMP PowerTeam™ 

Certified Medicaid Planners Cecilia Dabbs and Steve Dabbs

Schedule a “FREE” Financial and Medicaid Assessment Here.
Call Steve Dabbs at 480-967-8477
steve@carefundingsolutions.com
or Call Cecilia Dabbs at 480-967-8477 

Let us help you through this process.

ALTCS – Arizona’s Medicaid program is one of America’s best Medicaid Long-Term Care programs compared to other states.

Yet, even though ALTCS is better than most states qualifying for benefits can be daunting and confusing for most individuals.

Arizona’s Medicaid Long-Term Care System or ALTCS is a financial safety net for the poor.

Yet, keep in mind that the Medicaid/ALTCS program is also for the SMART!

Those who are wise can preserve assets and still have Medicaid/ALTCS pay for future care, a spouse, or a loved one. 

Even those that need care now, with the help of a Medicaid/ALTCS planning professional, can help design a plan that will protect assets and still allow some to receive benefits under the program.

Think of Medicaid/ALTCS as a long-term care insurance program that you paid for with your tax dollars.

But unlike long-term care insurance programs that you purchase from an insurance company. With Arizona’s Medicaid Program, if your income or assets are above the cap or allowance limits. You will need to do some planning to be approved. 

Arizona’s Medicaid long-term care program is a financial needs-based program (pronounced ALL-Techs or All-Tex). Keep in mind you don’t have to be impoverished to qualify. Smart people with money and incomes above the cap can also qualify for benefits too. 

The qualification requirements are three parts. Each portion must be met in order to qualify. 

These three requirements are:

  1.  Medical Requirements
  2.  Income Requirements 
  3.  Asset Requirements
 
 
 

A.L.T.C.S. / Medicaid Planning

There are two types of planning done; these are Pre-planning and Crisis Planning.

Pre-planning is done several years before needing long-term care, whereas crisis planning is when some suddenly find themselves in need of long-term care.

Who should consider pre-planning for long-term care?  I suppose I could say, everyone.  Yet, what surprises me the most is this in 2020, only 7 percent of the U.S. population owned long-term care insurance.  

As I work with a family member in a crisis with a loved one, I often say, “Once we get your loved one approved, I would like to talk to you about your future long-term care.”

I provide them with a long-term care insurance quote and some alternative long-term care insurance products information, like annuities that take advantage of the Pension Protection Act and life insurance policies that have long-term care insurance as part of the benefits,

Later, I would contact them about these plans; with rare exceptions, they don’t no return calls, complete silence.  Being busy helping others, I move on, leaving them for the same fate as their family member with a  Long Term care Crisis in the future.

Crisis Planning.

Crisis planning uses legal strategies under Title XIX and state-specific rules to convert countable assets into non-countable assets to qualify for Long-Term Care benefits. Benefits that you paid for with your taxes. 

The key to successful crisis planning is to begin as soon as the need for long-term care or possible care becomes apparent. The sooner planning begins, the more opportunities exist to obtain maximum asset preservation.

Keep in mind that the rules regarding eligibility are complex and ever-changing; timing is crucial in the planning process. State financial caseworkers are specifically instructed not to assist in the completion of the application.

It’s essential to work with a Certified Medicaid Planner™,  CMP™.  A CMP™ understands the rules and can ensure a successful outcome of a plan.