When one spouse enters a nursing home, families often panic about losing their hard-earned savings and monthly income. The fear that a facility can simply “take” your spouse’s income is widespread—and partly based on truth. Nursing homes themselves don’t directly seize money, but Medicaid rules and state laws often determine how much of a healthy spouse’s income must go toward the cost of care. For many couples, the rules feel confusing, invasive, and unfair. Knowing the details can help you protect your household’s financial future.
