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We went to a medicaid lawyer when mom was in the nursing home. Dad put my name and his name on the house. He changed all his insurance policies over to leave his five children the money upon his death. He also put my name on his checking account. Dad survived 4 years after mom's death.

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You might want to check with an eldercare attorney to see what you might or might not owe. It might not be an overwhelming amount. Life insurance policies are generally not included in estate recovery, but you would be free to use those funds or anything else to cover any debt - if there is one- instead of selling the house or giving up something else you inherited.
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They will go after mother house and asset and the debt is there . If land and some inherit of land they willcome after it.
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Just curious, how does M.A. keep track of all this details? I mean there must be people whose entire job is to compare who's died, their spouse (s) and any home (s) they may have owned for past 5 years. Think of all the money spent on THAT. But it must be worth it otherwise they wouldn't do it. (Speaking as someone with a close family member home that was sold & proceeds claimed by MA).
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I'm guessing that Dad has also died, four years after Mom. If the house was retitled while Mom was on Medicaid, they will go after the house. Putting the house in someone else's name does not erase any debts or liens. MERP does not collect the debt until the spouse has also died. That time is NOW.
If the insurance policies were owned by Dad and ONLY Dad and he was NEVER on Medicaid, they will not be part of the recovery process. Same for the checking account.
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