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technique
Medicaid Annuity
Last discussed Aug 26, 2026
A single premium immediate annuity (SPIA) used as a Medicaid planning strategy to convert countable assets into a stream of income payable to a non-institutionalized spouse, thereby removing them from Medicaid resource calculations.
Recently discussed in
Medicaid Planning For Long-Term Care And Its Ethical Implications For Advisors, With David Haughton
David Haughton · Aug 26, 2026
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DH
David Haughton
mentioned
Used for: Crisis Medicaid planning for married individuals entering a nursing home who have excess countable resources but insufficient time for proactive 5-year planning
Praised: Can protect a significant portion of assets by converting them from a countab...
vs: Presented as the primary crisis planning tool when proactive 5-year gifting s...
"A Medicaid annuity — it would change the character of those assets from a countable resource into a stream of income payable to the non-institutionalized spouse. It's kind of a workaround where you can change the character of the property and get ..."
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