State Guide
Long-Term Care Funding in Virginia
Virginia combines a 300%-of-SSI long-term-services income group with a medically needy spend-down path, and it uses a locality-specific private-pay nursing-facility cost for transfer-penalty calculations rather than one published statewide divisor. Its statutory transfer-on-death deed also expressly does not affect public-assistance eligibility while its maker is alive.
Which stage are you in, in Virginia?
Care Within 1-3 Years
See the Care Within 1-3 Years pillars →Planning Ahead
See the Planning Ahead pillars →
Decision Table
Situation, or profile — straight to Virginia pages
Same six rows as the sitewide decision table, resolved to Virginia-specific pages wherever one exists. Plain HTML — no script required to read it, by a person or an AI agent.
| Situation / Profile | Where to Look Next |
|---|---|
| Care Needed NowA hospital discharge is being planned, a facility decision is imminent, or home care has already started. | Virginia Medicaid Look-Back Period · Virginia VA Aid & Attendance |
| Care Within 1-3 YearsMemory changes, a recent fall, or a new diagnosis have made the timeline real, but care isn't needed today. | Virginia VA Aid & Attendance · Virginia Long-Term Care Planning |
| Planning AheadNo diagnosis, no crisis, no urgency — just the recognition that long-term care is a when, not an if, for most people eventually. | Virginia Long-Term Care Insurance · Virginia Long-Term Care Planning |
| Veteran (or surviving spouse) of wartime serviceAdds a federal pension benefit on top of whatever the Situation and State rows point to. | Virginia VA Aid & Attendance |
| Owns significant home equityThe home is usually Medicaid-exempt during life but affects estate recovery and private-pay runway. | Virginia Transfer-on-Death Deed · Virginia Medicaid Long-Term Care |
| Already has LTC insurance or a hybrid life/LTC policy in forceThe existing policy is usually the first dollar spent; other pillars become supplemental once benefits are exhausted or if a gap remains. | Virginia Long-Term Care Insurance · Virginia Medicaid Long-Term Care |
Why Virginia runs differently
Virginia Medicaid calls its long-term-care benefit Long-Term Services and Supports, or LTSS. The Department of Medical Assistance Services, usually called DMAS, administers the program; nursing-facility services and community services both require an authorization or screening that addresses the level of care as well as financial eligibility. Virginia's major community waiver for older adults and people with physical disabilities is the Commonwealth Coordinated Care Plus, or CCC Plus, Waiver (Cover Virginia LTSS overview; DMAS CCC Plus Waiver).
Virginia has an unusual combination of routes through the income rules. Its current eligibility manual lists a 300%-of-SSI institutional and waiver income standard of $2,982 per month for 2026, but it also publishes medically needy income limits and applies a spend-down framework. The manual describes a transfer penalty for some HCBS cases only after the person meets a spend-down, qualifies in another full-benefit group, or enters a nursing facility; that is a reason not to assume that every above-cap applicant needs a Qualified Income Trust (DMAS 2026 income charts; DMAS Chapter M14).
Virginia's 2026 numbers at a glance
Individual resource limit: $2,000 · Two-person resource limit: $3,000 · 300%-of-SSI LTSS income figure: $2,982/month · Home-equity limit: $752,000 · Community-spouse floor / maximum: $32,532 / $162,660 · Facility personal-needs allowance: $40/month · Look-back: 60 months. Virginia does not publish one statewide 2026 transfer divisor in the current manual; it uses the applicable locality's average monthly private-pay nursing-facility cost (DMAS 2026 resource and home-equity policy; DMAS Chapter M14).
Home planning and recovery require Virginia-specific care
Virginia has authorized a statutory transfer-on-death deed since 2013. Properly structured and recorded during the owner's lifetime, it does not create a beneficiary interest or affect the owner's or beneficiary's public-assistance eligibility while the owner is alive. At death, however, a beneficiary takes subject to existing liens and other interests, and Virginia's estate-recovery regulation uses an expanded estate definition that includes property in which the deceased had any legal title or interest at death (Virginia Code § 64.2-628; Virginia Code § 64.2-631; Virginia estate-recovery regulation).
The ten Virginia topics in this cluster
These pages organize the current published rules for families comparing nursing-facility Medicaid, care at home, home-title options, veterans benefits, and insurance. They are education rather than an eligibility determination or legal advice. A Virginia elder-law lawyer should review a proposed transfer, deed, trust, insurance purchase, or application before it is relied upon.
Virginia Medicaid Long-Term Care
How Virginia Medicaid LTSS works across nursing facilities, the CCC Plus Waiver, and the state screening process.
Category: Program Overview
Virginia Medicaid Asset Limits
Virginia's 2026 LTSS resource limits, income pathways, home-equity ceiling, and community-spouse standards.
Category: Eligibility
Virginia Medicaid Look-Back Period
Virginia reviews 60 months of transfers and calculates a penalty using the relevant locality's private-pay nursing-facility cost.
Category: Eligibility
Virginia Transfer-on-Death Deed
Virginia authorizes a recorded, revocable transfer-on-death deed, but its effect after death must be considered alongside expanded estate recovery.
Category: Legal Tools
Virginia Medicaid Estate Recovery
Virginia defines an estate broadly enough to include property in which the deceased retained a legal title or interest at death.
Category: After Care
Virginia Nursing Home Medicaid
Virginia requires LTSS authorization and generally applies a $40 facility personal-needs allowance in the patient-pay calculation.
Category: Institutional Care
Virginia Home Care Medicaid
Virginia's CCC Plus Waiver has no waiting list, while the three developmental-disability waivers do have one.
Category: Home & Community-Based Care
Virginia Long-Term Care Planning
Virginia planning must account for a 60-month transfer review, a medically needy spend-down route, community-spouse protections, and a filial-support statute.
Category: Advance Planning
Virginia VA Aid & Attendance
Virginia has four state veterans care centers and a principal-residence real-estate tax exemption for qualifying totally disabled veterans.
Category: Veterans Benefits
Virginia Long-Term Care Insurance (*)
Virginia's SCC Bureau of Insurance regulates an active Partnership framework with asset-disregard rules in the Medicaid manual. See more details for tax incentives →
Category: Insurance
Participates in the State Long-Term Care Partnership Program.
The Fastest Way to Know
Not sure which strategy fits?
Not sure which strategy fits?
Let the assessment tell you.
The Journey Assessment ranks the ten national funding pillars against your specific situation — then use the Virginia-specific pages above to see exactly how each one plays out under Virginia law.