---
title: "Nevada Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/nevada/long-term-care-planning/
description: "Nevada planning combines income-cap trust work, the five-year transfer review, community-spouse rules, deed risks, and expanded recovery."
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.
---
Nevada · Planning Ahead

# Nevada Long-Term Care Planning

Last updated 2026-10-20

The starting point for any Nevada long-term-care plan is the income cap, because it changes which tools are even on the table. Current 2026 guidance puts the monthly limit for a single Nursing Home Medicaid or HCBS waiver applicant at $2,982, and anyone above that figure typically needs a Qualified Income Trust — also known as a Miller trust or income-cap trust — to become eligible. That trust is strictly a technical mechanism for meeting the income test; it doesn't substitute for the separate work of reviewing resources or past transfers.

From there, the plan has to separate income considerations from resource considerations, since Nevada treats them differently. DWSS's resource policy holds the line at $2,000 for an individual and $3,000 for a couple in institutional and waiver cases. But when only one spouse is applying, the more relevant figure is usually the Community Spouse Resource Allowance, which current guidance lists at a 2026 maximum of $162,660 — meaning a married household's actual resource math depends on that CSRA calculation, not the flat $3,000 figure alone.

## Nevada figures

- 2026 LTC income cap (single applicant): $2,982/month
- Individual resource limit: $2,000
- Couple resource limit: $3,000
- 2026 maximum CSRA: $162,660

## Sources and official resources

- [Nevada DWSS: General Medical Information](https://www.dss.nv.gov/programs/Medicaid/general-medical-information/)
- [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 Nevada guide](https://fundingltcmarketplace.com/states/nevada/)