Jan 05, 2017 - 07:03 AM
The exact amount you may keep as a "personal needs allowance" and the specific Medicaid rules will depend on the state which you live. However, in most states, what you have been advised is likely correct. Your state should allow you to pay for your recurring medical expenses (typically medical insurance premiums) and to keep a personal needs allowance each month, but you must pay the remainder of your income towards your care. You should be able to receive all your basic needs from the assisted living facility -- 3 meals a day, hygiene items, shelter, and skilled care. Although it is not much, the personal needs allowance is supposed to cover additional needs you have, such as haircuts, clothing, etc. If you wish to discuss the particular amount you may keep each month, I recommend you contact an elder law attorney in your state.