---
title: "Maryland Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/maryland/long-term-care-planning/
description: "Maryland planning must coordinate spend-down, the five-year transfer review, probate-based recovery, and a TOD deed whose effective date is still pending."
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.
---
Maryland · Planning Ahead

# Maryland Long-Term Care Planning

Last updated 2026-10-20

Planning in Maryland has to start with the actual financial pathway, not an assumption borrowed from an income-cap state. The coverage-group guide includes an ABD long-term-care group qualifying through spend-down, and the current appendix sets resource standards at $2,500 for one person and $3,000 for two, alongside medically needy income standards of $350 and $392. There's no separate long-term-care income cap published, and no Qualified Income Trust mechanism referenced — so the planning conversation has to be grounded in which Maryland pathway genuinely fits.

For married couples, Maryland's 2026 community-spouse resource protection ranges from $32,532 up to $162,660, alongside a separate community-spouse income-maintenance framework. Before moving money, paying a family member, selling the home, or retitling an account, it's worth getting a formal resource assessment and written calculation rather than guessing at what the range implies for a specific household.

## Maryland figures

- Community-spouse resource floor (2026): $32,532
- Community-spouse resource maximum (2026): $162,660

## Sources and official resources

- [Maryland Department of Health: Nursing Facility Residents, Recipients and Families](https://health.maryland.gov/mmcp/longtermcare/pages/nursing-facility-residents,-recipients-and-family-members.aspx)
- [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 Maryland guide](https://fundingltcmarketplace.com/states/maryland/)