---
title: "Virginia Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/virginia/long-term-care-planning/
description: "Virginia LTC planning: the 60-month look-back, medically needy spend-down, community-spouse protections and Virginia's filial-support 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.
---
Virginia · Planning Ahead

# Virginia Long-Term Care Planning

Last updated 2026-10-20

Getting the income route right is where Virginia planning starts. The 2026 manual lists $2,982 a month as the 300%-of-SSI figure for the institutional and waiver eligibility group, but Virginia also runs medically needy income standards and a spend-down process. The long-term-care manual even spells out certain HCBS, PACE, and hospice cases where a transfer penalty can't be imposed until the person has met a spend-down, qualified in another full-benefit group, or entered a nursing facility — which is exactly why a family shouldn't assume a Qualified Income Trust is the automatic fix for income over $2,982 (DMAS 2026 income charts; DMAS Chapter M14).

Resources follow their own separate set of rules. Virginia currently uses $2,000 for a single applicant and $3,000 for the basic two-person aged-blind-disabled standard, while a community spouse can be protected with a resource amount somewhere between a $32,532 floor and a $162,660 maximum for 2026. The home-equity limit sits at $752,000, subject to the policy's exceptions for a spouse or child still living in the home. Getting the resource assessment done before moving money or changing title is the practical takeaway here (DMAS 2026 resource policy; DMAS Chapter M14).

## Virginia figures

- 300%-of-SSI income figure (2026): $2,982/month
- Individual resource limit: $2,000
- Two-person resource limit: $3,000
- Community-spouse resource floor: $32,532
- Community-spouse resource maximum: $162,660
- Home-equity limit: $752,000

## Sources and official resources

- [Virginia Administrative Code: 12VAC30-60-302, Access to Medicaid-funded long-term care](https://law.lis.virginia.gov/admincode/title12/agency30/chapter60/section302/)
- [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 Virginia guide](https://fundingltcmarketplace.com/states/virginia/)