ALTCS Benefit Planning
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ALTCS is Arizona Long Term Care System. There are three major eligibility areas to qualify for assistance.
Financial
Non-Financial
Medical
- Financial - 2022 Resource Limits
- Financial - 2022 Income Limits
- Financial - 2022 Transfers
- Non-Financial
- Medical
Single |
Married |
<=$2,000 |
<=$29,480.00*** |
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Types of resources used to calculate resource eligibility for ALTCS. 401(k) – 5th wheel – agent orange – Alaska Native claims settlement – Aleutian and Pribilof Islands payments – animals – annuities – ATV – Austrian Reparation payments – automobiles – boats – bonds – brokerage funds – buildings – burial funds*This may be excluded from resource limit. – burial insurance*This may be excluded from resource limit. – burial plots*This may be excluded from resource limit. – burial space*This may be excluded from resource limit. – business – business property – camper – cash – checking accounts – corporate bonds – credit union accounts – cremation plans – crime victim payments – death benefits – disaster assistance – dividends – E bonds – EE bonds – educational assistance – endowment care – financial accounts – German reparation payments – golf cart – government bonds – grazing rights – headstone*This may be excluded from resource limit. – home property*This may be excluded from resource limit. – house*This may be excluded from resource limit. – household goods & personal effects – I bonds – inheritances – insurance-funded burial plans* – investment accounts – IRAs – irrevocable burial trust – interest – jewelry – Keough funds – land – life insurance policies – loan agreements – marker*This may be excluded from resource limit.– mobile homes*This may be excluded from resource limit. – money market accounts – motorcycles – municipal bonds – musical instruments – mutual fund shares – niche*This may be excluded from resource limit. – off-road vehicles – opening/closing of gravesite*This may be excluded from resource limit. – patient fund accounts – perpetual care – personal effects – preneed burial plans*This may be excluded from resource limit. – promissory notes – property agreements – property in another state or country – real property – recreational vehicles – relocation assistance – retirement funds – reverse mortgage payments – Roth IRA – royalties – RVs – savings accounts – stocks – time deposits – time shares – trailers – travel trailers – trucks – trust funds – UTMA – US savings bonds – vacation property – vehicle*This may be excluded from resource limit. |
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*To know if this item is excluded from resource limit; set up a consultation to ensure it is excluded in your specific situation.
***For couples with more than $29,480.00, you may be eligible for the program; set up a consultation to discuss your specific situation.
Single |
Married |
<=$2,523** |
<=$5,046** |
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Types of incomes used to calculate income eligibility for ALTCS. aid & attendance*This may be excluded from income limit. – alimony – allocated – annuity – Black Lung – bingo winnings – building lease income – census – child support – commissions – compensation – contributions from others – corporation – disability insurance – earned income – educational – federal pensions – gambling winnings – gifts – honoraria – income from boarders – income from roomers – Indian gaming – inheritances – in-kind income – insurance awards – jury duty – land lease income – legal settlements – life insurance proceeds – loan agreements – lottery winnings – medical insurance payments – military allowances – military retirement – mortgage contract income – partnerships – pensions and retirement – public assistance – Railroad retirement – rebates – refugee assistance – refunds – recycling – reparation payments – relocation – rental income – royalties from book writing – royalties from song writing – royalties from inventing – sales contract income – self-employment – Social Security Disability – Social Security Retirement – Social Security Survivors – spousal maintenance – SSI – Supplemental Security Income – TANF payments – tips – Title IV foster care payments – trust income – unemployment – UTMA – vendor payments – Veterans Benefits*This may be excluded from income limit. – volunteer service programs – wages – winnings – workers compensation |
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*To know if this item is excluded from income limit; set up a consultation to ensure it is excluded in your specific situation.
**For individuals whose income is more than $2,523.00 (couples $5,046.00) you may be eligible for the program with an Income-Only Trust / Miller Trust (IOT).
Single |
Married |
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| In the past five years (2017-2022) have you or your spouse given away any money or assets that you could have used to pay for care? | ||
Compensated Transfer |
Uncompensated Transfer |
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| When a transfer occurred but you received the current market value of the asset. | When transfer occurred but you received less than the current market value of the asset. | |
| Does not negatively impact eligibility for ALTCS; however, if it occurred in the past 5 years should be disclosed. | Negatively impacts eligibility for ALTCS and should be disclosed. | |
After 7/1/2006 |
After 10/1/2007 |
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| ALTCS applies a transfer penalty in the month when the applicant meets all ALTCS criteria and is approved. | ALTCS also applies a partial month penalty based on the carry-over amount of the transfer. | |
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Transfers* may include, but are not limited to… assigning income to another person – assigning an asset to another person – causing an asset/resource to not be received or unavailable – causing income to not be received or unavailable – changing titles – changing deeds – changing the degree of ownership – closing accounts – converting annuities to monthly income – giving away an asset/resource – giving away cash – giving away income – loans to other persons – purchasing an annuity – purchasing assets/resources – receiving less than market value for the sale of assets/resources – removal of a name from an asset – sale of item – sale of assets / resources – surrendering assets – surrendering life insurance – surrendering annuities – trade or exchange of one asset for another |
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*To know if the transfer will affect eligibility; set up a consultation to discuss your specific situation.
| Third-party liability | Linkage: Age / Disability |
Approvable Setting |
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Potential Benefits |
Social Security Number |
US Citizen Qualified Alien |
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Did the applicant …
If yes and not receiving benefits, the applicant must apply for these benefits. |
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Marital Status |
Arizona Residency |
Identity |
Married couples get a higher income and higher resource limit. |
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ALTCS’ medical eligibility is called a Pre-Admission Screening or PAS. An applicant must score at least 60 points to qualify and will need to be either…<—————————————————————-|——————————————————————-> |
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Severely cognitively impaired |
Combination of physical and cognitive impairment |
Severely physically impaired |
Here are some tips we offer individuals when completing the PAS with the ALTCS medical assessor.
