Q: If a husband has Alzheimer’s disease, is it true that only half of a couple’s savings need go to memory care before Medicaid takes over? He is in a very nice memory care home but I am afraid we will run out of money and was told that when his half is used up he could go on Medicaid.

A:  It is somewhat of an oversimplification of the issues, but not far off point. Medicaid looks at the combined marital estate and as the community spouse (he is the institutionalized spouse) you can shelter the home and a share of the other assets. Under the guidance of an experienced attorney versed in Medicaid regulations, you may be able to shelter one-half or more of your marital estate.