---
title: "Michigan Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/michigan/long-term-care-planning/
description: "Michigan planning priorities: Lady Bird deeds, probate-only recovery, spousal protections, divestment rules, and qualifying LTC Partnership coverage."
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.
---
Michigan · Planning Ahead

# Michigan Long-Term Care Planning

Last updated 2026-10-20

A realistic Michigan long-term-care plan starts from the state's actual numbers: a $9,950 asset limit for one person and $14,910 for two in the relevant LTC categories, a $2,982 special income level for 2026, and a 60-month divestment review for asset transfers. Each of those figures is tied to a specific eligibility context, not a universal formula that applies regardless of program.

From there, planning in Michigan tends to center on a short list of state-specific tools: whether a Lady Bird deed fits the family's home-protection goals, how the state's probate-only recovery rule affects other assets, what spousal protections are available, and whether a Partnership-qualifying long-term-care insurance policy would add meaningful asset protection given the family's timeline and resources.

## Michigan figures

- LTC asset limit — one person: $9,950
- LTC asset limit — two people: $14,910
- Special income level (2026): $2,982/month
- Look-back period: 60 months

## Sources and official resources

- [MDHHS: Nursing Facility Eligibility](https://www.michigan.gov/mdhhs/-/media/Project/Websites/mdhhs/Doing-Business-with-MDHHS/Forms-and-Applications/nursing_fac_elig_134653_7.pdf)
- [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 Michigan guide](https://fundingltcmarketplace.com/states/michigan/)