---
title: "Pennsylvania Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/pennsylvania/long-term-care-planning/
description: "Pennsylvania planning issues include the five-year transfer review, trust caveats, spousal rules, and its active filial responsibility law."
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.
---
Pennsylvania · Planning Ahead

# Pennsylvania Long-Term Care Planning

Last updated 2026-10-20

A Pennsylvania long-term-care plan has to account for income, resources, level of care, and that five-year review of any below-market transfers. Because DHS offers both the $2,982 300%-FBR pathway and a medically needy spend-down path, it's a mistake to plan around Pennsylvania as if it enforces one universal hard income cap.

Spousal protections matter here too. For the relevant 2026 period, federal standards put Pennsylvania's CSRA between $32,532 and $162,660, with an MMMNA floor of $2,705.00 per month for the spouse remaining at home.

And any Pennsylvania plan has to reckon with the state's active filial responsibility statute — 23 Pa.C.S. § 4603 — which the Superior Court has actually applied against an adult child in *Health Care & Retirement Corp. of America v. Pittas*, making family liability a real consideration rather than a theoretical one.

## Pennsylvania figures

- Individual income limit (300% FBR pathway): $2,982/month
- CSRA range: $32,532–$162,660
- MMMNA floor: $2,705.00/month

## Sources and official resources

- [Pennsylvania DHS: Medicaid and Payment of Long-Term Services](https://www.pa.gov/agencies/dhs/resources/aging-physical-disabilities/medicaid-payment-long-term-care)
- [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 Pennsylvania guide](https://fundingltcmarketplace.com/states/pennsylvania/)