COMMUNITY SPOUSE：社区配偶
The spouse who does not need long-term or nursing home care. This spouse continues to live in the community.
不需要长期护理或疗养院护理的配偶。该配偶继续居住在社区中。
COUNTABLE ASSETS：可计资产
Assets that are not exempt are countable. This includes, but is not limited to, checking and savings accounts, CDs, money markets, stocks, mutual funds, and second cars.
凡是非豁免资产都是可计资产，这包括但不限于支票和储蓄帐户、定期存单、货币市场、股票、共同基金和第二辆车等。
DEFICIT REDUCTION ACT OF 2005：2005年减少赤字法案
A federal law passed by Congress in 2006 makes pre-planning for Medicaid eligibility more important than it was previously. This is because the penalties for transfers will not begin until a person enters the nursing home and is otherwise eligible for Medicaid coverage. Use of an Irrevocable Living Trust as a part of this pre-planning is becoming more popular.
国会在2006年通过的一项联邦法律使得对医疗补助资格的预先规划比以前更加重要。这是因为只有在一个人进入疗养院并且有资格享受医疗补助的情况下，转移财产的处罚才会开始。因此使用不可撤销的生前信托作为预先规划变得越来越普遍。
DIVISION OF ASSETS：财产分割
This is the name commonly used for the Spousal Impoverishment provisions of the Medicare Catastrophic Act of 1988. It applies only to couples. Their countable assets are divided in two, with the community spouse allowed to keep one-half of the total, up to a certain amount. The other half of the assets must be spent down.
这是1988年《医疗保险灾难法》中“配偶贫困”条款的常用名称。它仅适用于夫妻之间。他们的可计资产被一分为二，社区配偶被允许保留总额的一半，至多不得超过一定数额。另一半资产必须被花光。
ESTATE RECOVERY：遗产追索
When the Medicaid recipient dies, the state may (and often does) seize remaining assets to reimburse the state for the Medicaid benefits paid during their lifetime. In many cases, this includes the recipient’s primary residence if they don’t have a surviving spouse. This provides a cost-effective way to offset state and Federal costs. You should consult with a qualified professional to analyze your particular situation and protect your home.
当医疗补助接受者去世时，州可以（并且经常）没收剩余资产，以偿还该州在其一生中所支付的医疗补助福利。在很多情况下，若接收福利者没有配偶，这还包括医疗补助接受者生前的主要住所，这种追偿提供了一种经济有效的方式来抵消州和联邦的成本。您应该咨询合格的专业人员，以分析您的具体情况并保护您的房子。
EXEMPT ASSETS：豁免资产
Exempt assets are assets which do not count against your monthly resource limit. The list of “exempt assets” may differ slightly from state to state.
豁免资产是不计入您的每月资源限制的资产。州与州之间的“豁免资产”列表可能会略有不同。
LOOK-BACK PERIOD：回望期
If you transfer assets to another individual (spouses excluded) within a certain period of time before you apply for benefits, that gift may disqualify you from receiving Medicaid benefits. This period of time is called a look-back period. It is based on a formula that takes the amount of assets transferred and divides that number by the average cost of nursing home care in your state. The resulting number equals the amount of months that the applicant will have to wait until benefits may be received. Under the Deficit Reduction Act, this rule applies to any gifts you make within 5 years of the application.
如果您在申请福利之前的一定时间内将资产转移（赠与）给另一个人（不包括配偶），则该赠与可能会使您丧失获得医疗补助的资格。该时间段称为回望期。它基于一个公式，该公式将转移的资产数量除以您所在州的疗养院护理平均费用。得出的数字就是申请人必须等待才能收取福利的月数。根据减少赤字法，此规则适用于您在申请前的5年内所做的任何赠与。
MEDICAID：医疗补助
Medicaid is a joint federal and state program that provides medical assistance to low-income persons who are elderly, blind or disabled. However, unless you are among the minority who has long-term care insurance, most individuals contemplating paying thousands of dollars out-of-pocket every month for long-term nursing home care face the possibility of exhausting all available assets and using up their lifetime savings before being able to qualify for Medicaid. A qualified Elder Law Attorney can help your family by using a variety of strategies to help you qualify for Medicaid while preserving assets and savings for heirs.
医疗补助是联邦和州的联合计划，为老年人、盲人或残疾人的低收入人群提供医疗援助。但是，除非您是拥有长期护理保险的少数人，否则准备每月支付数千美元用于长期疗养院护理的大多数人，都可能面临耗尽所有可用资产并用尽他们的毕生储蓄后才有资格获得医疗补助。合格的老年法律师可以帮助您的家庭，通过各种策略帮助您获得医疗补助的资格，同时为继承人保留资产和积蓄。
MEDICAID TRIGGERS：医疗补助触发点
The special language in a Living Trust that gives the trustee the authority to do certain types of planning, even though the person applying for Medicaid is not capable of signing the documents or personally doing the planning.
生前信托可以设置特殊语言，赋予受托人权力进行某些类型的规划，即使申请医疗补助的人没有能力签署文件或亲自进行规划。
MEDICARE：医疗保险
A federally funded health insurance program designed for Americans 65 years of age and older. It provides a limited long-term care component. Based on certain criteria, Medicare may pay for nursing home expenses, but with a high deductible, for up to a maximum of 100 days.
由联邦政府资助的健康保险计划，专为65岁以上的美国人设计。它提供有限的长期护理。根据某些标准，医疗保险可能会支付最高100天的疗养院费用，但自付额较高。