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Can anyone answer this question. My mom has been in a home since late 2006 and is under Medicaid. At the time, I was unaware that I had to disclose that she had a life insurance policy and years later, I realized I had to after maintaining the premiums for her. I did notify the caseworker in year 2010 when is time for re-certification under medicaid. I gave all info incl the transfer of ownership in my name and assigning to funeral home. the cash surrender value from 2006 was within the resource eligibility even if that info was not disclosed until a few years later. I did not get any questions from the caseworker. My question is.. how does this play in the 5 year look back period and will i get any repercussion but again, all is now corrected with medicaid. Is the medicaid 5 year look back period each time a medicaid application is submitted. Can someone answer me?

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There are not a lot of dead people collecting Medicaid benefits. There are no "benefits" paid to the eligible person. The money goes to the providers who provide services and equipment. If those parties make false claims that's where the real fraud occurs.
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It really won't play into anything as long as it goes to the funeral home. Medicaid patients are allowed burial funds. I don't think you have a problem unless you take the insurance money for yourself. Why would you apply more than once?
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Thank you for answering. For clarification, in NJ, Medicaid goes through an annual review for eligibility which is where I corrected my Mom's asset and income information.
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OH! Recertification is not half as terrorizing. Mostly they want to be sure the patient is still alive. They have a lot of dead people collecting benefits.
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Got it. This is where I corrected the life insurance info with the caseworker and she advised to. I just wanted to make sure I corrected in my
Mom's Medicaid file. Don't want to have a legal issue for hiding an asset but again corrected it as soon as I understood it. Thank you again for answering and calming my anxiety with this.
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Bogart - you reported it as required once you became aware. You should have no issues later on. Even if you do get a inquiry now you have documentation to show your compliance.

Vegas has this spot-on, Medicaid is paid to providers for services not to individuals. Now SNAP & TANF is paid to individuals but by & large that is a whole different group (who is not elderly) getting those low-income qualified benefits as most SNAP & TANF is for kids (to their parents on their behalf)
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