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Guestshoppe is spot-on.... Community spouse situation is pretty complex and not a DIY to do optimally.

Each state -since they each manage Medicaid uniquely - can have differing amount for community spouse exempt assets and CSRA (community spouse resource allowance). Often the key for CS is to have assets move to income for the CS... like if exempt is 119k but you all have 300k, then you turn the excess into a medicaid compliant SPIA for you only & they are speciality underwriting. A good NAELA atty will have others, like CPAs & brokers, they work with who can do the whatever's & correctly.
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Please consult an elder care attorney - community spouse allowance is not a do it yourself project. It is my understanding that it is a countable asset so you want professional advice that is up to date on the new regs that may roll out with the upcoming budget so that you can plan appropriately.
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