CSRA Calculator

Calculate Your Client's CSRA
Community Spouse Resource Allowance

Complete the fields below to calculate the Community Spouse Resource Allowance (CSRA) for your case and determine how much the community spouse is entitled to keep.

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RESULTS

Actual CSRA:
$—
Recommended CSRA:
$—
Spend-Down Amount:
$—
By submitting information on this fillable form and utilizing our calculator tool, you indicate your understanding and agree that this is for illustration and education purposes only. Users of this calculator tool also agree to our Privacy Policy and Terms and Conditions. This tool is not intended to replace the final calculations for a Medicaid Compliant Annuity plan and its use for that purpose is not recommended.

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Learn more about the CSRA with these FAQs.

The Community Spouse Resource Allowance (CSRA) is the amount of assets the community spouse is entitled to retain while still qualifying the institutionalized spouse for benefits. In addition to the Individual Resource Allowance, which pertains to the amount of assets the institutionalized spouse can keep, the couple must spend down their countable assets to be below the CSRA limitation.

Some states apply a standard CSRA, where the community spouse must spend down their excess assets to this limit. Most states, however, apply a minimum and maximum CSRA, where the community spouse is not automatically entitled to retain a standard amount. Instead, the amount they can keep is based on the couple's total countable assets as of the snapshot date. The community spouse is entitled to one-half of the couple's assets as of that date, not to exceed the maximum CSRA and not to fall below the minimum.

States that use a standard CSRA include Alaska, California, Colorado, Georgia, Florida, Hawaii, Illinois, Louisiana, Maine, Minnesota, Mississippi, South Carolina, and Wyoming.

States that use a minimum and maximum CSRA include Alabama, Arizona, Arkansas, Connecticut, Delaware, District of Columbia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, and Wisconsin.

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