Disclaimer

Please read this Disclaimer carefully before using https://spenddowncalculator.com (the "Site") operated by Spend Down Calculator.

1. Educational purpose only

All content on the Site, including calculators, guides, blog articles, tables, and FAQs, is provided forgeneral educational and informational purposes only. It is not legal advice, tax advice, financial advice, medical advice, or eligibility advice.

2. No professional relationship

Using the Site does not create an attorney-client, accountant-client, financial-advisor, or fiduciary relationship between you and Spend Down Calculator, its authors, or contributors. Do not rely on the Site as a substitute for advice from a qualified professional who knows your full situation.

3. No eligibility guarantee

Medicaid rules change by state, county, program type, and individual circumstances. Calculator results are estimates based on the inputs and limits you see on screen. They do not guarantee Medicaid approval, benefit amounts, penalty periods, or spend-down outcomes. Only your state Medicaid agency can make eligibility determinations.

4. State and program variation

Medicaid is administered by states with different asset caps, income rules, look-back periods, exempt asset lists, and waiver programs. Content that describes one state may not apply in another. Verify every figure with your state agency or a licensed elder law attorney before transferring property or filing an application.

5. UNVERIFIED data

Some state calculator pages display limits marked UNVERIFIED when we have not yet confirmed an agency source. Do not rely on UNVERIFIED figures for planning decisions. See our editorial policy for sourcing standards.

6. YMYL and health-related content

Long-term care and Medicaid planning affect health, housing, and family finances. Topics on this Site may involve nursing homes, assisted living, estate recovery, and end-of-life planning. We strive for accuracy but cannot account for every medical or family circumstance. Consult appropriate professionals for personal decisions.

7. External links

The Site links to government agencies, nonprofit organizations, and third-party websites. We do not control and are not responsible for their content, privacy practices, or availability. Links do not imply endorsement.

8. Advertising

The Site may display advertisements through Google AdSense or other partners. Ads are identified as advertisements where required. We do not endorse products or services shown in ads unless we explicitly say so in editorial content.

9. Limitation of liability

To the fullest extent permitted by law, Spend Down Calculator and its owners, authors, and affiliates are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on its content, including loss of benefits, penalties, or asset transfers made based on calculator output.

10. Seek professional help

Before gifting assets, retitling property, creating trusts, or spending down resources, consult a qualified elder law attorney and your county Medicaid office. Find attorneys through the National Academy of Elder Law Attorneys (NAELA).

11. Contact

Report factual errors to [email protected]. See our Terms of Use for additional legal terms.