Follow
Share

If we would have known this, we would have taken his name off the account.

This question has been closed for answers. Ask a New Question.
After a determination of Medicaid eligibility, the states give a married couple a certain length of time to separate their assets (sometimes as long as 12 months). So during this time period, the joint account should have been put in Mom's name. I assume that this did not happen, hence the problem.
Helpful Answer (3)
Report

I have been through this. This is regarding using Medicaid to pay for a spouse that ends up in a nursing home, if they don't have long term care insurance. In addition to an Elder Law attorney, see your local office for aging for information. Mine gave me a 4 page document that is pretty clear that the government does not want the "Community Spouse" to become impoverished. Doesn't matter whose name is on accounts...the spouse remaining at home in the community, can keep the house, no matter the value, a car, no matter the value, and well over $100,000 in cash and investments, and keep all income up to a certain amount, including income of the spouse in the nursing home. Best thing to do is start with the office for aging, then move to an elder law attorney that they recommend or that you are familiar with. They may even have one available at a reduced rate.
Helpful Answer (8)
Report

It's not as simple as taking your dad's name off the account. You should really see a certified Elder Care attorney to help out with this.
Helpful Answer (4)
Report

Yes, I have heard of this - an Elder Lawyer might help.

I never heard of "spousal impoverishment" but it sounds like she wasn't really impoverished if there was enough money to be upset about?

I know if my DH needed a nursing home, they are entitled to half of anything that has Ray's name on it.

However, there isn't much you could have done since they can go back 5 years and reclaim your dad's half of the monies. I know it stinks, but maybe it will help to know that there is nothing you could have done to prevent this.
Helpful Answer (3)
Report

They are trying to change the law to 7 years and they take away money that has been given away years ago. They go after the person it was given to!!! Gotta love this country, what do we pay all those taxes for our whole lives for them to take everything away if you go into long term care. Other countries take it out of their peoples taxes and don't go into the families estate at all and their taxes are not much more than ours!!!!
Helpful Answer (3)
Report

Daughter17 - the "spousal impoverishment" by this are you referring to
- a CSRA / Community Spouse Resource Allowance or MMNA / minimum monthly needs assessment (allowance) that your mom got each mo. An "income" issue
OR
- was the $ sitting in a bank account, so that it's an "asset" and now got looked at as a joint asset...... So 50% is now dads. An "asset" issue 

They are 2 very different issues for Medicaid. Which is it?

Also I'm assuming mom just got the notification. Your mom (or you as her dpoa) needs to file an appeal to the determination. The Notice should have to whom & by when the appeal needs to be done. Keep letter short & say determination is incorrect & you are asking for a suspension of any enforcement until appeal process has run its course. You do not need to go into why in this first letter. It's about getting appeal into the system. Mom will get hearing date likely 6 mos or so out from how. Basically buys you time to get it reversed and establish why it's incorrect. Letter to be sent certified mail with the return registered card (combo from uspo about $ 8.00). If you have a fax number I'd fax it as well but if so pls send it from a fax system that gives a fax transmission report (like a Fed Ex office store). Both of these moves are about establishing appeals request was done and received by state.

So which is it..... An income problem? or an asset problem?

Also regarding the "5 yr lookback". 
My understanding is that up to a 10 yr lookback is possible since the mid 1990's. But the states all approached this differently... Like some states did just a cursory 6 mo review. Then DRA happened in 2005. The feds & states opted to do a uniform 5 year look back and placed "5" as the time period when the required changes to Medicaid happened due to DRA / Defecit Reduction Act signed into law in 2005 by Bush 43. Individual states can move it back from 5 to 7, or 8, 9, or 10 years IF a state wants to. Most won't as it's too cumbersome both for state to process and for applicants. But the states - as they adminster Medicaid uniquely within their state - can move the lookback beyond the 5.  LTC Medicaid is a huge budget issue for all states. If doing a 7 -10 yr look back "saves" $, states are going to do this unless theres political fall-out to keep it from happening. 
Helpful Answer (2)
Report

Mom was on my nephew's bank account. The lawyer at the time she did her will suggested that she remove her name because Medicaid would look as his account as half hers. She removed it.
Helpful Answer (2)
Report


It sounds like your mom was duped, Medicaid does not take your money during the Medicaid process. They never ask for banking information to access your account. They also never ask for other financial information such as major credit card. I've been through the Medicaid process before after losing Medicaid for a time and then reapplying and not once did they ever ask for banking info to access my bank account.

What you need to do is take all of that information with whom you contacted and get a lawyer. Take with you any information and documents where your mom's money was stolen, it sounds to me like whoever was in contact with her was definitely not legit
Helpful Answer (1)
Report

Dontask, Medicaid for health insurance or for long-term nursing? You have not had to send an updated statement showing your income? I have for my disabled nephew every year when he is sent his paperwork. Also, have to show the statement for his Special needs trust even though it can't be considered in his income. Filing for long-term care and I had to show the latest statement.
Helpful Answer (1)
Report

See All Answers
This question has been closed for answers. Ask a New Question.
Ask a Question
Subscribe to
Our Newsletter