When accepting my sister for Medicaid, will her medicare premium be exempt from the $2000 asset limit? - AgingCare.com

When accepting my sister for Medicaid, will her medicare premium be exempt from the $2000 asset limit?

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I've been told by social services they will not count her government pension as asset, but rather as income. But what about her medicare payment; how will that be assessed? Will the medicare payment be added towards the $2,000 she's allowed to keep?

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Tip - I can tell you what happens in California with regular social security and it may be the same in your state. However, since your mom was a federal employee and does not receive Social Security, it may be totally different as you say that she already does not have a Medicare premiums deducted from her benefit payment. When a person goes on MedicAID (called MediCAL in California), MediCAL generally starts paying the MediCARE Premium and the amount is added back into the persons monthly amount received. Unless a member here has had the same circumstances as your mom, you may not get an accurate answer. You're going to have to make some enquiring phone calls to be sure.
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For Pat - igloo has posted many detailed explanations of this process, and the mandated recovery called MERP. Go to the right side of this page under your avatar, if you don't see the word TOOLS, click on MORE. Then click on Tools. Move over to the left side of the page, click on the option to find other members by username and type in "igloo572" and submit. When you see igloo's username, quick there and it will take you to her user page. "WALL" is shown and this is what other members have written TO her. Click ACTIVITY, to the right of the WALL and you will get what she has POSTED/ANSWERED two others. Scroll down and read, read, read. Your answers are all there.
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I may also add that I am unemployed at 57 and have nowhere else to go but to relocate out-of-state if legal issues become bad. Good luck, I guess!
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My 93-year-ol' Mom will have to go on Medicaid in less than two years. We jointly own our (Mom is in a private care home home, away from our home) condo, and I hope that the CA people will not attached Mom's half of her assets/trust to a lien, either while she is alive or deceased. Mom will not be returning home, and family is working out the Medi-cal plan with me. I have lived with and took care of Mom for over 20 years!
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My sister has her Federal Employees insurance, which is supplemental to Medicare, taken out of her monthly annuity, but the Medicare payment is not taken out. She receives no social security. So, will they allow for the Medicare payment, or will she still have to pay it monthly if she receives Medicaid?
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Medicare payments are already deducted from the social security pension. Ask Medicaid about their requirements.
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Tip - "Income" is whatever they get paid or recieve each month. Like SS or retirement or an annuity. Each state sets the maximum of what the "income" is allowed to be for Medicaid. Like Texas is $ 2,094.00. Their monthly "income" will be expected to be paid to the NH for their co-pay less whatever your state has as it's "personal needs allowance". This amount too varies by state (TX is $ 60.00).

Now Medicare deduction is usually taken from their monthly SS payment. Look at her annual SS statement of benefits to see how this is being done. The annual statement is mailed in January and is a white & black trifold document (the kind that has the tear off panel on the sides - this is an important document too). Also if she was a federal employee, they too sent out an annual benefit statement in January too and same type of form. You do want to check to make sure that Medicaid has the right amounts and are deducting her health insurance payment from the required co-pay.

Like for my mom, she gets $ 800.00 from SS BUT she actually gets almost 900 a month but her Medicare (about $ 96.00) is deducted from the monthly SS payment, and then 1K a month from retirement, so her monthly income is $ 1,800.00 - less her personal needs allowance of $ 60.00 a month. So her required Medicaid co-pay to the NH every month is $ 1,740.00. You can let the allowance build up and the NH will have a "kitty" or a NH trust account, that you can put some of the allowance $ into for the hair salon or her phone charge or magazines. At my mom's NH, most of the ladies use the allowance regularly for hair salon.

Assets are different - that would be whatever money she may still have that was not spent down and is under the asset limit. I think assets have to be under 2K. So if Sissy had 10K in a savings account, she would have had to spent - down 8K to qualify for Medicaid. She can keep the last 2K in assets in her bank account. You just have to pay attention that it doesn't go above 2k. If you are her point person for doing stuff for her, think about having the account so that you are a signature on the account and it is POD (pay on death) to you so it will not be an after death asset for her estate. good luck!
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