My husband and myself own everything together in joint bank accounts. If I take some of the money and put it in my name only in CD's that are only titled in my name and I do it 5 years before my husband apply's for medicaid will they still count the money I have in CD's that are only titled to me. Doesn't seem fair my husband and I worked together in business for years and saved everything together and some of the money gives me income to live on.
In my name only.
If your financial situation is a little complex and you fear that your spouse may need to apply for Medicaid, consult an estate planner very familiar with Medicaid or an attorney specializing in Elder Law.
And give up on expecting "fair." You'll be less frustrated if you just aim at figuring out how to follow the rules with the least disadvantage to you.