Certified Senior Advisor (CSA) Practice Test

The correct answer is based on the provisions of the Medicaid program regarding the community spouse resource allowance, which specifically governs how much a community spouse can retain when their partner is receiving long-term care. The law establishes that the maximum amount the community spouse may keep is determined by a limit set on a percentage of the couple's combined assets.

When the community spouse resource allowance ranges from $21,912 to $109,560, the essential guideline is that the community spouse is allowed to retain the lesser of half of the couple's combined assets or the maximum limit of $109,560. This ensures that the community spouse has enough financial resources to maintain a reasonable standard of living while one partner requires nursing home care.

The other options do not accurately reflect the regulations governing community spouse resource allowances. For instance, the option suggesting that the community spouse can keep 100% of jointly owned assets does not adhere to the guidelines set by Medicaid. Similarly, stating that the community spouse could keep 50% of owned assets lacks the specificity regarding the maximum cap of $109,560, which is crucial to understand the limits effectively. Lastly, the mention of any assets not included in marital property fails to recognize the specific Medicaid provisions for resource allowances and does not provide a clear