Yes - no matter who's name/ownership it is/was held in. We're about 21/2 years out and Medicaid still requires I submit the monthly statements for my individually owned IRA/mutual funds. My funds were never titled jointly and were in an entirely different bank. Obviously they were my separate property, but that does not matter for Medicaid as the funds can quickly be cashed out. If its something that either or both of you have the authority to cash out, it is counted for Medicaid, no matter who's account/resources it is.
JTWOS does not go into effect until the person dies. So, yes it would be considered part of their assets particularly if they are the primary owner of the joint account.
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Who is the primary owner of the account?
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