Maryland Long-Term Care Planning
Maryland planning must coordinate spend-down, the five-year transfer review, probate-based recovery, and a TOD deed whose effective date is still pending.
Maryland planning starts with a spend-down and resource analysis
Maryland’s published coverage groups include ABD long-term care with spend-down, while the current appendix lists $2,500 for one person and $3,000 for two people under the medically needy non-MAGI resource standard. The appendix lists medically needy monthly income standards of $350 for one person and $392 for two; it does not publish a separate long-term-care income cap or discuss Qualified Income Trusts. The first planning question is therefore the actual Maryland financial pathway, not an assumption imported from an income-cap state (Maryland coverage-group guide; Maryland 2026 appendix schedules).
For a married couple, Maryland’s 2026 community-spouse resource range is $32,532 to $162,660. The state also publishes a separate community-spouse income-maintenance framework, so a family should obtain a resource assessment and written calculation before moving funds, paying a child, selling a home, or changing an account title (Maryland 2026 appendix schedules).
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Twelve questions. About four minutes. A shortlist of funding strategies ranked for your situation — not a generic list.