My finances changed while the application is pending. What now?

My finances changed while the application is pending. What now?

Short answer: Report the change to the caseworker in writing promptly. Changes can affect eligibility month by month, so the state needs to know.

Figures change periodically. Double-check current amounts before relying on them.

Eligibility is generally determined month by month, so a change while an application is pending can affect some months and not others.

Report changes such as:

  • an increase or decrease in income;
  • an inheritance, settlement or other lump sum;
  • the sale of property;
  • a new or closed account;
  • a move or a change in marital status.

Common situations:

  • Assets dropped below the limit after allowed spending: report it, with receipts, so eligibility can start that month.
  • Assets rose because income built up in the account: plan allowed spending before the next month.
  • A lump sum arrived: it is generally income in the month received and an asset after that.

Report in writing and keep proof. Failing to report can lead to a denial or a demand for repayment later.

Getting help

Every situation is different, and small facts can change the answer. If this question affects a real decision, especially with a spouse at home, a home, gifts or a trust, a Certified Medicaid Planner can apply your state’s rules to your situation. As a rough guide, published fees for help with an application range from about $500 to $6,000, and hourly help from about $150 to $600.

Last updated for 2026. General information only, not legal or financial advice. Medicaid Answers is a free educational resource published by Medicaid Answers Foundation.

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