Instant digital download · $19 one-time
PA Nursing Home Cost & Medicaid Spend-Down Planner
A 19-page fillable workbook plus a spend-down spreadsheet — so you can see how long savings may last and organize the paperwork before you meet an elder-law attorney.
- 19-page fillable PDF: how Pennsylvania long-term-care Medicaid works, in plain English
- 2026 PA figures on one page, each with its source and as-of date
- Spend-down spreadsheet with a month-by-month timeline and chart
- Look-back records, application checklist, and questions for an elder-law attorney
Educational planning tool only — not legal, financial, tax, or benefits advice, and it does not determine eligibility. Figures checked October 2026. For personal use only.
What's inside
Instant download. Nothing ships.
1. The workbook
19-page fillable PDF
- How PA long-term-care Medicaid works (in plain English)
- Key Pennsylvania numbers for 2026, with check-current-figure boxes
- Asset & income checklist and countable vs exempt assets worksheet
- Monthly income, patient-pay estimate, and care-cost worksheet
- “How long will savings cover care?” step-by-step with a worked example
- Spend-down plan and spouse’s protected-share worksheet
- 5-year look-back records checklist plus gift / transfer log
- Application document checklist, caseworker tracker, attorney questions
- County Assistance Office contacts, glossary, and sources page
2. The calculator
Spend-down spreadsheet
- Inputs: savings (countable / exempt / ask), income, care cost, marital status, annual increase
- Results: likely resource limit, spouse’s protected share, amount above the limit, monthly shortfall, estimated months
- 120-month, chart-ready timeline plus a look-back penalty estimator
- PA Figures tab: every number used, with source and date — update it when figures change
- Sample rows are clearly marked as example data
Preview pages
Sample pages from the download — the purchased files are fillable.
Who it's for
Adult children facing a nursing-home bill
See, in one sitting, about how many months countable savings may last at a real PA care cost — before you sit down with an attorney.
Married couples with a spouse at home
The planner walks through the community spouse’s protected share (CSRA) so you are not guessing what the healthy spouse may keep.
Families organizing the five-year look-back
Checklists for gifts, transfers, bank records, and application documents — so the County Assistance Office file starts complete.
Anyone meeting an elder-law attorney
Bring numbers, contacts, and questions in one workbook instead of a shoebox of statements.
Frequently asked questions
- What do I get after I buy?
- Instant digital download of two files: the 19-page fillable PA Nursing-Home Cost & Medicaid Spend-Down Planner PDF and the PA Spend-Down Calculator spreadsheet (.xlsx). Nothing is shipped. After payment you’ll land on a download page, and we’ll email the same links if you checkout with an email address.
- How do I fill in the PDF or share the spreadsheet?
- Open the PDF in free Adobe Acrobat Reader (or another form-capable PDF reader), type, and save — or print US Letter pages. Upload the spreadsheet to Google Drive, open it in Google Sheets, and click Share, or use Excel. Sample rows are marked as example data.
- Does this tell me whether we qualify for Medicaid?
- No. This is an educational planning tool. It does not determine eligibility and is not legal, financial, tax, or benefits advice. Pennsylvania Medicaid has many exceptions. Only the County Assistance Office decides eligibility. Talk to a PA elder-law attorney before spending or transferring assets.
- Can I print extra copies? Who is it for?
- Yes — print as many copies as your household needs. The files are for personal use; please don’t resell or share them. Created by PA Care Finder. Not affiliated with any government agency. Figures were checked October 2026.
Get medicaid planner — $19
One-time purchase. Instant download. Still looking for a licensed home? Browse the PA directory or try the free savings calculator.
Educational planning tool only — not legal, financial, tax, or benefits advice, and it does not determine eligibility. Figures checked October 2026. For personal use only; please don't resell or share the files.
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