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Indiana Medicaid Crisis Planning Annuity Calculator – Kubik Legal

Medicaid Crisis Planning Annuity Calculator

Estimate a Medicaid-compliant spend-down strategy that combines a gift to another person with a Medicaid-compliant annuity.

Step 1 — Monthly Penalty Divisor
$
Current Indiana monthly rate.
Step 2 — Client Information
$

Rental, Social Security, Pensions, etc.

$

Private-pay nursing home rate.

$

Do not include one primary residence or vehicle.

$

Standard Indiana individual limit.

Estimated Medicaid Strategy Results
Spend-Down Amount (Assets − Allowance)—
Gift Amount—
Length of Penalty Period—
Annuity Premium—
Annuity Term—
How this is calculated

Spend-Down Amount = Total Countable Assets − Resource Allowance.

Gift Amount = Portion of spend-down gifted/divested. Calculated as: Spend-Down ÷ 2.

Penalty Period = Gift Amount ÷ Monthly Penalty Divisor ($7,651).

Annuity Premium = Remaining half of spend-down used for a Medicaid-compliant annuity.

Annuity Term = Equal to the penalty period. Contact a carrier (e.g., Krause Financial, Americo) for a quote.

This calculator is for educational purposes only and does not constitute legal advice. The penalty divisor is updated periodically by the state of Indiana and should be verified before relying on these results.

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