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My husband and I are separated but not legally. I am in NC, he is in PA and applying for Medicaid. I have CDs just in my name. Can Medicaid go after that now or when he dies? Also, my income is only 1/4 of his. I heard there is spousal recovery or something that he would be able to give me in the amount over the limit in order for him to get approved for Medicaid?

I think there is something where you can say that you will not be financially responsible for his care. Do you still own a house with him? That will be an exempt asset until he dies. Thats where recovery comes in. When he passes, the house will then be an asset. You sell it at Market rate and hopefully get your half of the proceeds and Medicaid gets the other half. If his half is not all needed to satisfy the loan beneficiaries will get the rest. If your husband has nothing, then Medicaid cannot recover anything. If your not looking to be a Community Spouse, then maybe you should not be mentioned on the application. It should all be based on his assets and his income. Do you get alimony?

I think you should consult with an elder lawyer well versed in Medicaid. Remember, when he passes, you can get his SS and yours will drop off. Or, what ever is the highest. This is what SS told me. It can also be looked at as you already get half his SS and you will get 50% of what he brings in. Basically, it works out the same.
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Reply to JoAnn29
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It's called MERP (Medicaid Estate Recovery Plan)

https://www.elderlawfirm.com/north-carolina-medicaid-estate-recovery
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Reply to Geaton777
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Medicaid doesn't "take" stuff from people, they have a recovery program when the recipient passes (look it up for your state).

Often they will put a lien on the home if the recipient's name is on the deed.

Please consult with an elder law attorney or estate planner or Medicaid Planner for your home state so that you can get the best, more accurate guidance. We are not attorneys or accountants or financial planners.
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