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I am being told that I do not have authority as conservator to fill out the necessary paperwork even though I have court ordered conservator rights for person and estate.

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BTW, who is the beneficiary of the policy? That may have much to do with the problem you are having.
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43Conservator, have you considered selling the policy? Is your father still paying on it monthly? If it is paid up, you may be able to get more selling it than you can by cashing it out. Another possibility is that you may be able to change the beneficiary of the policy to the State. I have heard that some states will allow you to do this, though I don't know the technicalities. Talk to your Medicaid officer about these two possibilities if the company won't recognize your legal status as conservator.
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It sounds like they don't want to pay out....And you are being put through the hoops....Some courts have a free service for student lawyers....Had to do this for one of my relatives...The student court office, gave me guidance and helped me fill out the proper paper work.... Needless to say, I had to drive to DOWNTOWN about 5 times, but it was well worth it.....They helped me with the proper paperwork, etc....I had to file conservatroship and guardianship.... The free service showed me what to fill out and what lines to get in, and what the judge had to sign off on.....
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You NEED to see an elder law attorney, have your dad's assets pay for it. Ask specifically about spousal impoverishment. You mom is entitled to keep a specific amount and the house. The care home should have staff to help with the Medicaid application and it should have been started months ago.
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How long might it take to get a court order to liquidate the assets?
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I have legal conservatorship of him. My mom and dad were married for over 50 years. What rights does my mother have? There are assets that need to be liquidated which are totally in my father's name. He has been declared completely incompassated by a licensed psychiatrist. As a spouse, what rights does she have?
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We have been told that my dad is not eligible for Medicaid until that insrance policy is cashed and spent. The Board and Care where he has been for the last 6 months have been very understanding but now are insisting they be paid immediately or will take us to court. Is there a way we can start the Medicaid process?
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Check with the State Bar Association where you are located. Also, you should call the probate court. In my area attorney have a morning a week where they will speak with people that have interest in a case and assist with completion of forms. If you are conservator, this should be paid with assets from the estate. A private practice attorney would then have their bill approved by the court for payment from the estate.

The probate court is an option as well. They may have self service forms that you can complete and file yourself.
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We have no money to hire lawyer. We were planning to use the insurance money to pay for his care this last 6 months. Can we receive free or less expensive representation from a law student or pro bono lawyer?
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Sounds like you need the representation of an elder law attorney. Conservatorship should allow you to take care of any of Dad's financial needs as long as the intent is to provide for his care. In order to liquidate assets, since there is a court order involved in the conservatorship there may very well be a legal requirement for court approval prior to the sale ot liquidation of any assets. I think many people make the assumption that they can make decisions as they see fit without court approval. This is not the case. Ran into that issue here with something as simple as selling a twelve year old minivan. It could not be done unless there was court approval.
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