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*** |
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. |
*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** |
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 |
*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. | |
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 |
*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 |
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.
FREE ALTCS Assessment
Find out if you are potentially eligible for ALTCS.
FREE IOT Need Assessment
Find out if you may need an Income-Only Trust.