West Virginia Medicaid Asset Limits

West Virginia publishes a spend-down route

The 2025 state flyer describes the income test as 300% of the maximum one-person SSI payment, then $2,901 effective January 2025. It says that a person above that amount may qualify if monthly nursing-care costs exceed the Medicaid Medically Needy Income Limit and the other requirements are met. That is spend-down language, not a published statement that a Qualified Income Trust is the state’s required solution (West Virginia long-term-care eligibility flyer, April 2025).

The state’s 2026 Medicaid guide independently says a person who is initially ineligible because income is higher than the maximum may become eligible under spend-down, with the local DoHS worker explaining the process when applicable. The 2026 secondary overview reports a $2,982 monthly long-term-care standard, but direct confirmation is especially important if income is near that amount or a trust has already been proposed (West Virginia Medicaid 2026 guide; 2026 West Virginia eligibility overview).

Spousal and home rules cannot be reduced to one number

The state flyer says some assets of a couple are protected for the community spouse. The 2026 overview describes the federal-style CSRA calculation as one-half of joint countable assets, within the $32,532-to-$162,660 range, and identifies the $752,000 home-equity figure. Ownership, liens, who lives in the home, retirement accounts, and the resource-assessment date can change the outcome; this page is not a valuation opinion (West Virginia long-term-care eligibility flyer; 2026 West Virginia eligibility overview).

Keep deeds, statements, retirement-account records, debt proof, appraisals, and the community-spouse resource assessment together. A spend-down, home exclusion, or spousal allowance should be based on a current written eligibility decision rather than a generic internet calculation (West Virginia Medicaid 2026 guide).