---
title: Is Divorce for Medicaid Eligibility a Growing Trend?
description: It's expensive to live with a spinal cord injury, but especially so if you're married. And if you're a quadriplegic who needs home health aides, it can double the cost. On average it costs over $100,000 per year to pay for all of the expenses related to being paralyzed.
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---

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# Is Divorce for Medicaid Eligibility a Growing Trend?

 Author: [Spinal Cord Team](https://www.spinalcord.com/meet-our-authors)

 Publish Date: December 07, 2020

It's expensive to live with a spinal cord injury, but especially so if you're married. And if you're a [quadriplegic ](https://www.spinalcord.com/quadriplegia-tetraplegia)who needs home health aides, it can double the cost. On average it costs over $100,000 per year to pay for all of the expenses related to being [paralyzed](https://www.spinalcord.com/types-of-paralysis). So what are you to do when you need to be eligible for health insurance, the Holy Grail that pays for everything, but you can't because you're married?

The answer is simple: Divorce, or to be technically accurate, a "Medical/Medicaid Divorce" (depending on the lawyer you ask). A couple, despite being happy, gets a divorce "on paper" so that one of the people in the marriage, or one of their kids, can become eligible for Medicaid. In cases of a sudden illness/disability in the family, an accident or simply old age, couples are turning to a [Medicaid](https://www.spinalcord.com/blog/topic/medicaid) divorce as an option.

After the divorce, the person who doesn’t need the health insurance typically gets the house and other assets transferred to their name. But make sure to check with your individual state to see the asset rules regarding Medicaid and marriage before doing so. In some states, only your income is counted, not your assets. A couple can make, together, a little over $111,000 before the couple is ineligible for Medicaid.

Medicaid divorces are slowly becoming a trend as a response to changes to Medicaid regulations in recent years, notably [the Affordable Care Act](https://www.spinalcord.com/blog/obama-trump-medicaid-changes-sci). In many states, if you continue to live together after a divorce and share assets, the state may investigate to see if the “divorce” is real, and not attempted fraud. This article has been written for informational purposes only and should not be relied on as legal advice. You should consult an attorney who is knowledgeable in the area of Medicaid law, as well as an estate planner and a divorce lawyer if you're considering this.

![Today - Couple Considers Divorce to Afford Treatment](https://www.spinalcord.com/hs-fs/hubfs/Blog%20Images/image.png?width=600&name=image.png)A couple [considering a Medicaid divorce](https://www.spinalcord.com/blog/trapped-in-medicaid-poverty-in-california-one-couples-story) was recently featured in People Magazine. Jake and Maria Grey of Sanger, Texas have a daughter with a severe disability called Wolf-Hirschhorn Syndrome that requires around-the-clock care. With her husband's income, it prices them out of Medicaid eligibility for their daughter. They’ve tried to pay for all of her medical expenses out of pocket but even now it's starting to make them bankrupt, which is why they are in the news for considering a divorce despite being a “perfectly happy couple.”

Once she becomes divorced in the state of Texas and is considered a "single mother," she will become eligible for everything. There really is no comparison. Once divorced, the couple will be able to pay all their bills, as well as have enough money for their other children. The Grey family from Texas is not alone. 

[Read More on People Magazine](https://people.com/health/desperate-texas-couple-considering-divorce-to-afford-health-care-for-their-disabled-daughter/)

Another couple in West Virginia four years ago ran into the same issue, but the husband has an [SCI](https://www.spinalcord.com/spinal-cord-injury). Although they do want to stay anonymous, they received advice from local government agencies that a divorce would be the best legal option for them since they were drowning in debt and not even able to afford food some months. Getting a divorce, yet staying living together, is exactly what they did.

Remember, a divorce doesn’t have to mean the end to an epic union or the end of your relationship for that matter. It’s just a rescinding of a piece of paper in the case of a Medicaid Divorce, and doing so may allow your union to flow even better. If you or someone you know is faced with making a decision like this or has been in the past, please share your story with others in the comments below.

[![Read More About the Issues with Medicaid](https://no-cache.hubspot.com/cta/default/575040/500ba869-c4e5-4b27-bb1a-6018f2720821.png)](https://cta-redirect.hubspot.com/cta/redirect/575040/500ba869-c4e5-4b27-bb1a-6018f2720821)

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### Spinal Cord Injury

- [Types of Spinal Cord Injuries](https://www.spinalcord.com/types-of-spinal-cord-injuries)
- [Secondary Complications](https://www.spinalcord.com/secondary-complications-after-sci-spinal-cord-injury)
- [Causes](https://www.spinalcord.com/signs-symptoms-of-spinal-cord-injuries)
- [Symptoms](https://www.spinalcord.com/types-of-spinal-cord-injuries)
- [Prognosis](https://www.spinalcord.com/prognosis-of-spinal-cord-injuries)
- [Legal Help](https://www.spinalcord.com/spinal-cord-injury-legal-help-get-a-lawyer)

### Brain Injury

- [Types of Brain Injuries](https://www.spinalcord.com/types-of-traumatic-brain-injury)
- [Causes](https://www.spinalcord.com/causes-of-traumatic-and-acquired-brain-injuries)
- [Symptoms](https://www.spinalcord.com/traumatic-brain-injury-tbi-symptoms)
- [Prognosis](https://www.spinalcord.com/brain-injury-prognosis-for-tbi-abi)
- [Legal Help](https://www.spinalcord.com/brain-injury-legal-help-get-a-lawyer)

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- [Technology Advancements](https://www.spinalcord.com/sci-technology-advancements)
- [Prevention](https://www.spinalcord.com/spinal-cord-injury-prevention)

### Legal Options

- [Spinal Cord Injury Lawyer](https://www.spinalcord.com/spinal-cord-injury-lawyer)
- [Brain Injury Lawyer](https://www.spinalcord.com/brain-injury-lawyer)
- [Types of Personal Injury Claims](https://www.spinalcord.com/types-of-personal-injury-claims)
- [Where To Start](https://www.spinalcord.com/brain-spinal-cord-injury-lawyer-where-to-start)
- [Local Assistance](https://www.spinalcord.com/florida-personal-injury-claims)

#### [About Us](https://www.spinalcord.com/about-us)

Spinal cord injuries are traumatic for patients and their families. They cause disruptive changes to every aspect of your life and there is a lot of new information to navigate and understand. Our experts have collected everything in one place to help you learn more about your injury, locate doctors and treatment centers, find financial support, and get assistance navigating your next move.

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```json
{
  "@context" : "http://schema.org",
  "@type" : "Article",
  "articleBody" : "The spinal cord is a vital part of the human body. As the vehicle responsible for carrying messages from the brain to the rest of the body and back again, even the smallest interference can be detrimental. Following a traumatic <A href=\"/spinal-cord-injury\" rel=\"noopener\" target=\"_blank\"><SPAN style=\"font-weight: 400;\">spinal cord injury</SPAN></A>, this bundle of nerves can become bruised, also known as <A href=\"//www.spinalcord.com/blog/contusion-vs.-concussion-understanding-the-difference\">a contusion.</A> Because of the nature of the nervous system, any interference can constitute a serious spinal contusion, but these facts will help you dissect all of the information from the medical professionals.</P>\n\n<H2><STRONG>What Is a Spinal Contusion?</STRONG></H2>\n<IMG src=\"https://www.spinalcord.com/hs-fs/hubfs/Blog-Images/Signs-of-a-spinal-contusion-title-image-min.jpg?width=300&amp;name=Signs-of-a-spinal-contusion-title-image-min.jpg\" alt=\"Signs-of-a-spinal-contusion-title-image\" width=\"300\" style=\"width: 300px; float: right; margin: 0px 0px 10px 10px;\" srcset=\"https://www.spinalcord.com/hs-fs/hubfs/Blog-Images/Signs-of-a-spinal-contusion-title-image-min.jpg?width=150&amp;name=Signs-of-a-spinal-contusion-title-image-min.jpg 150w, https://www.spinalcord.com/hs-fs/hubfs/Blog-Images/Signs-of-a-spinal-contusion-title-image-min.jpg?width=300&amp;name=Signs-of-a-spinal-contusion-title-image-min.jpg 300w, https://www.spinalcord.com/hs-fs/hubfs/Blog-Images/Signs-of-a-spinal-contusion-title-image-min.jpg?width=450&amp;name=Signs-of-a-spinal-contusion-title-image-min.jpg 450w, https://www.spinalcord.com/hs-fs/hubfs/Blog-Images/Signs-of-a-spinal-contusion-title-image-min.jpg?width=600&amp;name=Signs-of-a-spinal-contusion-title-image-min.jpg 600w, https://www.spinalcord.com/hs-fs/hubfs/Blog-Images/Signs-of-a-spinal-contusion-title-image-min.jpg?width=750&amp;name=Signs-of-a-spinal-contusion-title-image-min.jpg 750w, https://www.spinalcord.com/hs-fs/hubfs/Blog-Images/Signs-of-a-spinal-contusion-title-image-min.jpg?width=900&amp;name=Signs-of-a-spinal-contusion-title-image-min.jpg 900w\" sizes=\"(max-width: 300px) 100vw, 300px\"/>\n<P>Much like any other bruise, a contusion can cause bleeding from local blood vessels and inflammation which, rather<I><SPAN style=\"font-weight: 400;\"> unlike</SPAN></I> bruises on other parts of the body, can have serious negative impacts on the spinal cord itself. Because the<A href=\"/blog/contusion-vs.-concussion-understanding-the-difference\" rel=\"noopener\" target=\"_blank\"> “blood must clot to stop the bleeding”</A>a bruise results from contusions also increase cardiovascular risks.</P>\n<P>For example, the swelling a contusion can cause will often disrupt nerve impulses that travel from the brain to the body through the spinal cord, and the severity of this will depend upon the level of injury. Unlike a concussion, a contusion would not cause unconsciousness or a ‘blackout’, but instead cause the patient to feel a numbness or tingling in the extremities.</P>\n<P>A contusion can cause spinal compression, which happens when there is pressure on the spinal cord. This can go on to cause an array of <A href=\"http://www.hopkinsmedicine.org/healthlibrary/conditions/nervous_system_disorders/spinal_cord_compression_134,13/\" rel=\"noopener\" target=\"_blank\">physical symptoms</A> such as loss of sensation in the feet, inability to use the hands and loss of sexual ability. It must be noted that not all contusions cause spinal compression, and not all spinal compression is caused by a contusion, although they do often connect this way.</P>\n<H2><STRONG>Warning Signs of a Serious Spinal Contusion to Watch For</STRONG></H2>\n<P>Firstly, doctors will try and establish what area or limb the injury has affected. Spinal contusions most often “affect the upper extremities bilaterally and also sometimes involve the lower extremities,” <A href=\"http://www.healio.com/orthopedics/journals/ortho/2012-1-35-1/%7B7b1ed5f6-d6ca-435e-b69a-dba8a6d7c3c0%7D/spinal-cord-contusions\" rel=\"noopener\" target=\"_blank\">according to Dr. Wong</A>, an orthopedic physician.</P>\n<P>Symptoms include “numbness, tingling, [or] electric shock-like sensations and burning in the extremities,” <A href=\"http://www.aans.org/patient%20information/conditions%20and%20treatments/spinal%20cord%20injury.aspx\">(American Association of Neurological Surgeons, 2016)</A>. Generally falling into the category of “spinal trauma” there are many symptoms which are similar to other forms of spinal trauma and spinal cord injury. Below are some symptoms of spinal trauma:</P>\n<UL>\n<LI>Spinal shock — or the &quot;loss of feeling or movement below site of injury&quot; <A href=\"http://www.columbianeurosurgery.org/conditions/spinal-trauma/\" rel=\"noopener\" target=\"_blank\"><I>(Columbia University Medical Centre, 2016) </I></A>that can last between hours and weeks</LI>\n<LI>Loss of bladder or bowel function</LI>\n<LI>Difficulty breathing</LI>\n<LI>Muscle spasticity</LI>\n<LI>Difficulty understanding speech</LI>\n<LI>Problems with attention</LI>\n<LI>Memory challenges</LI>\n<LI>Heart rate and blood pressure problems</LI>\n</UL>\n<P>Unfortunately, it is sometimes challenging to identify which symptoms are due to a spinal contusion, and which ones are the result of a spinal cord injury directly. It can sometimes require a few days or weeks for the body to recover from spinal trauma and reveal if any permanent damage is left from the accident that caused the SCI.</P>\n<P>Understanding what a contusion is, and how it can come into play following a spinal cord injury is important in order to clearly appreciate your injury, understand your diagnoses, and work toward treatment and a prognosis. Doctors can sometimes use jargon that’s difficult to understand, so the more you can educate yourself about your condition, the more control you can have in your recovery and treatment.</P>\n<P>If you still have questions about the details of the spinal cord and how it may be affected from your injury, please contact us or download our <A href=\"/the-simplified-guide-to-understanding-a-spinal-cord-injury\" rel=\"noopener\" target=\"_blank\">guide to understanding a spinal cord injury</A>.",
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"description":"The spinal cord is a vital part of the human body. As the vehicle responsible for carrying messages from the brain to the rest of the body and back again, even the smallest interference can be detrimental. Following a traumatic spinal cord injury, this bundle of nerves can become bruised, also known as a contusion. Because of the nature of the nervous system, any interference can constitute a serious spinal contusion, but these facts will help you dissect all of the information from the medical professionals.

What Is a Spinal Contusion?
Signs-of-a-spinal-contusion-title-image
Much like any other bruise, a contusion can cause bleeding from local blood vessels and inflammation which, rather unlike bruises on other parts of the body, can have serious negative impacts on the spinal cord itself. Because the “blood must clot to stop the bleeding”a bruise results from contusions also increase cardiovascular risks.

For example, the swelling a contusion can cause will often disrupt nerve impulses that travel from the brain to the body through the spinal cord, and the severity of this will depend upon the level of injury. Unlike a concussion, a contusion would not cause unconsciousness or a ‘blackout’, but instead cause the patient to feel a numbness or tingling in the extremities.

A contusion can cause spinal compression, which happens when there is pressure on the spinal cord. This can go on to cause an array of physical symptoms such as loss of sensation in the feet, inability to use the hands and loss of sexual ability. It must be noted that not all contusions cause spinal compression, and not all spinal compression is caused by a contusion, although they do often connect this way.

Warning Signs of a Serious Spinal Contusion to Watch For
Firstly, doctors will try and establish what area or limb the injury has affected. Spinal contusions most often “affect the upper extremities bilaterally and also sometimes involve the lower extremities,” according to Dr. Wong, an orthopedic physician.

Symptoms include “numbness, tingling, [or] electric shock-like sensations and burning in the extremities,” (American Association of Neurological Surgeons, 2016). Generally falling into the category of “spinal trauma” there are many symptoms which are similar to other forms of spinal trauma and spinal cord injury. Below are some symptoms of spinal trauma:

Spinal shock — or the loss of feeling or movement below site of injury (Columbia University Medical Centre, 2016) that can last between hours and weeks
Loss of bladder or bowel function
Difficulty breathing
Muscle spasticity
Difficulty understanding speech
Problems with attention
Memory challenges
Heart rate and blood pressure problems
Unfortunately, it is sometimes challenging to identify which symptoms are due to a spinal contusion, and which ones are the result of a spinal cord injury directly. It can sometimes require a few days or weeks for the body to recover from spinal trauma and reveal if any permanent damage is left from the accident that caused the SCI.

Understanding what a contusion is, and how it can come into play following a spinal cord injury is important in order to clearly appreciate your injury, understand your diagnoses, and work toward treatment and a prognosis. Doctors can sometimes use jargon that’s difficult to understand, so the more you can educate yourself about your condition, the more control you can have in your recovery and treatment.

If you still have questions about the details of the spinal cord and how it may be affected from your injury, please contact us or download our guide to understanding a spinal cord injury.",
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