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If you don’t have receipts buying furniture from Craig’s lists etc. how do you prove money spent? How much money can be withdrawn from account or by check before it needs to be paid back in order to qualify for Medicaid?

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My take on how Medicaid looks at finances is that there’s a set formula that the individual applicants income is placed into as Medicaid has their awards letters and adds in bank & other asset balance with a fixed # deducted if they have a home, a car, in IL or AL, insurance costs. In theory, application has all this info submitted.  There should be a pattern to expenditures. So that it  makes sense for them to be down to 2k in non-exempt Assets. If it’s way off, then caseworker looks into the application in detail and contacts dpoa if it’s something likely resolvable or issues a more formal transfer penalty inquiry. 

So how to worry about this to me depends on if your elder or you as dpoa are having issues gathering all the requested items OR have actually gotten an inquiry. Otherwise you submit all documents requested and assume all is ok. For my mom, the documents submitted totaled around 130 pages but mainly due to her old school term life insurance policy which ran oodles of pages front & back legal size. I submitted all in 1 giant document drop to the NH who then reviewed to determine if they would take mom as Medicaid Pending and in turn NH submitted all along with their bill to the state. Took not quite 6 mos to get approval. I had to deal with 3 financial issues, all resolved directly with caseworker and a medical issues, which the NH took the lead on (although I had to file for the appeal hearing). 
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In my experience I was not asked for receipts. I was asked for five years of statements which they removed four a year. If statements pretty much show a regular pattern then I don't think there will be questions. Now if there is a large withdrawal or check you may need to prove that.
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