West Virginia

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WV’s LTC guidance includes that:

• The individual must disclose any interest they or their spouse has in an annuity. WV DHHR
   
• The State must be named as remainder beneficiary, or second after a community spouse or minor/disabled child, for at least the amount of Medicaid benefits provided. WV DHHR
   
• WV examples reference “compliant” features such as irrevocable, non-assignable, actuarially sound, and equal payments, and show how noncompliance can create issues. WV DHHR

 WV’s long-term care eligibility guidance references the 300% SSI-based income limit (example shown for January 2025) and explains that some people with income above the 300% limit may still qualify when cost-of-care and medically needy concepts apply. Bureau for Family Assistance 

 WV cases commonly hinge on correct disclosure and beneficiary positioning plus careful handling of income mechanics. We help ensure the annuity aligns to WV’s documented LTC framework.