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 allowance for health insurance premiums, including Medicare (see Section 2.6.2: Allowance for Health Insurance Premiums in this Chapter),  allowance for maintenance of the unoccupied home (see Section 2.6.3: Allowance for Maintenance of the Unoccupied Home in this Chapter),  allowance for representative payee or conservator (see Section 2.6.4: Allowance for Representative Payee/Conservator in this Chapter), and  allowance for incurred expenses for medical or remedial care for the institutionalized spouse (see Section 2.6.5: Allowance for Medical Expenses in this Chapter).

See Exhibit VII-3: Provisions for Pre-October 1989 Institutionalization for the LTC Income Allowances an individual institutionalized before October 1, 1989 who has a community spouse is eligible and how the allowances are applied.

Impoverished Spouse: If a married person is institutionalized after September 30, 1989 and has a community spouse, then s/he is eligible for certain allowances in addition to and in lieu of those listed above.

The following are all the income allowances a married person institutionalized after September 30, 1989 who has a community spouse may be eligible for:

 PNA (see Section 2.6.1: Personal Needs Allowance (PNA) in this Chapter);  allowance for health insurance premiums, including Medicare (see Section 2.6.2: Allowance for Health Insurance Premiums in this Chapter);  allowance for representative payee or conservator (see Section 2.6.4: Allowance for Representative Payee / Conservator in this Chapter);  allowance for incurred expenses for medical or remedial care for the institutionalized spouse (see Section 2.6.5: Allowance for Medical Expenses in this Chapter);  Community Spouse Monthly Income Allowance (see Section 2.6.6: Community Spouse Monthly Income Allowance in this Chapter) but only to the extent income of the institutionalized spouse is made available to (or for the benefit of) the community spouse (this allowance is unique to the Impoverished Spouse provisions); and  family allowance (see Section 2.6.7: Family Members' Monthly Income Allowance in this Chapter) for each family member, including minor or dependent children, dependent parents, or dependent siblings of the institutionalized or community spouse who are residing with the community spouse (this allowance is unique to the Impoverished Spouse provisions).

When a Community Spouse Monthly Income Allowance is not made available to (or for the benefit of) the community spouse by the institutionalized spouse, do not deduct the allowance. Deduct allowances for other family members, whether or not the institutionalized spouse makes the income available to such persons.

Personal Needs Allowance (PNA) 2.6.1

The PNA is a portion of monthly income that an individual in LTC retains for his/her personal needs. Only goods and services not covered by the cost of care rate at the facility may be purchased with this PNA.

The PNA for an individual is $70 per month.

The PNA for a Veteran's Aid and Allowance recipient is $90.