---
title: "Georgia Long-Term Care Planning: Income Cap & QIT (2026)"
url: https://fundingltcmarketplace.com/states/georgia/long-term-care-planning/
description: "Plan for long-term care in Georgia: the 2026 $2,982/month income cap ($5,964 couple), Qualified Income Trust rules, the five-year look-back and home planning."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Georgia · Planning Ahead

# Georgia Long-Term Care Planning

Last updated 2026-10-20

The starting point for any Georgia long-term-care plan is the state's income cap. For 2026, Georgia's special income limit for institutional and waiver Medicaid sits at $2,982 a month for a single applicant, doubling to $5,964 if both spouses are applying (Georgia DFCS Appendix A1).

Cross that line and there's no simple spend-down available — Georgia requires a properly funded Qualified Income Trust to bring an applicant's countable income back under the cap (DFCS PAMMS §2407).

One caution worth flagging: Georgia's public-facing consumer PDF of income limits still shows 2025 numbers. Anyone building a plan off that document risks working from an outdated cap rather than the figure that's actually current in the DFCS policy manual (Georgia 2025 consumer limits PDF; Georgia DFCS Appendix A1).

## Georgia figures

- Individual income cap (2026): $2,982/month
- Couple income cap (2026, both applying): $5,964/month

## Sources and official resources

- [Georgia Medicaid: Long Term Services and Supports](https://medicaid.georgia.gov/long-term-services-and-supports)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full Georgia guide](https://fundingltcmarketplace.com/states/georgia/)