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My spouse needs more care than I can give

Options that keep a couple together, and the spousal protections Medicaid provides.

Quick answer

Options that keep a couple together, and the spousal protections Medicaid provides.

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Home›By Situation›My spouse needs more care than I can give

Caring for a spouse is different from caring for a parent, financially and otherwise. Minnesota spousal Medicaid protections can shield a meaningful amount of the couple's assets and income for the spouse who stays home.

Short answer

Options that keep a couple together, and the spousal protections Medicaid provides.

What to do, in order

  1. Understand the spousal protections. The 2026 Community Spouse Asset Allowance for Minnesota ranges from $32,532 to $162,660, and the Minimum Monthly Maintenance Needs Allowance ranges from $2,705 to $4,066.50 a month -- confirm current figures with DHS before relying on them.
  2. Look at communities that keep couples together. Several campuses offer more than one level of care on one site.
  3. Be honest about your own health. Spousal caregivers routinely under-report their own decline.
  4. Get an objective assessment. The Area Agency on Aging serving your county can assess both of you at no cost.

Questions families ask

What license does an assisted living facility need in Minnesota?

Every assisted living community in the Twin Cities must hold an Assisted Living Facility license issued by the Minnesota Department of Health (MDH) under Minnesota Statutes, Chapter 144G. This has been mandatory statewide since August 1, 2021, replacing the older, looser 'Housing with Services' registration model. Facilities must also employ an assisted living director credentialed by the Board of Executives for Long Term Services and Supports.

Does Minnesota require a special license for memory care?

Yes. Any community with a secured dementia care unit must hold the 'assisted living facility with dementia care' license category under Minn. Stat. 144G.10, subd. 2(b) — a base assisted living license is not enough. That license carries two extra legal requirements: dementia-specific staff training under Minn. Stat. 144G.83, and a mandatory written pre-admission disclosure under Minn. Stat. 325F.72.

How do I check if a facility is licensed in Minnesota?

Use the free MDH Health Care Provider Directory to search by provider type ('Assisted Living Facilities' or 'Assisted Living Facilities with Dementia Care'), city, or county — it shows current license status and the administrator of record. For a fuller quality picture, cross-check the Minnesota Assisted Living Report Card (or the Nursing Home Report Card for skilled nursing), which shows resident health, safety, and staffing ratings from MDH surveys.

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