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Conference at DeskWhen it comes to getting care for the elderly or protecting their interests, many families confront similar issues. Below we have collected questions received over the years from site visitors, along with our answers. Select the subject areas of greatest interest to you and see what others have asked. Chances are you'll find questions or situations that closely parallel your own.

 

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Q:

Will Transferring His Income to Me Affect My Dad's Medicaid Eligibility?

My father made a revocable trust seven years ago. However, he did not transfer or give his money to me until seven months ago, and I put the money into an annuity. Now my father is facing nursing home placement but he will not be entitled to Medicaid assistance for approximately four and a half years. Is that correct? And the monthly income he has from his pension and Social Security -- should he transfer that to me, his daughter who is his agent under a power of attorney? I am going to take him into my house for now, and hopefully be able to care for him until his death.  (We live in Wisconsin.) 

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tags: Medicaid Rules
Q:

Can My Father Repay a Loan Without Affecting His Medicaid Application?

My father is in a nursing home and I am starting the Medicaid application process. My sister lent him about $19,000 to help him out of a financial situation prior to 2007. She has documentation to support the loan. Can I repay her from his assets during the Medicaid process or is that considered a gift that would affect his eligibility?  He has $20,000 in liquid assets after the funeral benefit, and the nursing home wants him to private pay $16,000. I would rather repay my sister for the loan before the nursing home gets their piece. Can I do this? 

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tags: Medicaid Rules
Q:

Is a Retirement Community's Verbal Promise Enforceable?

We entered into a written contract with a retirement community and added a verbal condition. They originally told us the condition was met and I have evidence of them saying so. This turned out not to be the case and I have evidence of this as well. The failure to live up to the agreement affected our health. We have been here one year and it's been nothing but a nightmare. We wish to leave, but they only want to return 76 percent of our entry fee. Is that fair? 

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tags: Senior Living
Q:

How Will My Aunt's Help in Buying the House We Both Live in Affect Her Medicaid Eligibility?

My aunt gave me $35,000 to help me buy my house.  She lives with me and participates in the payments of bills, maintenance, etc. What do I need to do to help her not to lose her benefits if needed down the road?  How will this affect her if she needs services later? 

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tags: Medicaid Rules
Q:

If My Husband Enters a Nursing Home, Can I Keep Some of His Income to Meet My Own Expenses?

My husband suffers from dementia. He is currently on Medicaid and Medicare and receives $1,800 a month in disability payments. I retired at 62 to take care of him and receive $1,049 a month. He is now in Stage 3 renal failure and will probably need nursing home care in the next year or so. I have two questions: 1) If the nursing home cost exceeds his disability, will I be liable for the difference? and 2) Will I be able to retain any of his disability in order to meet my living expenses? 

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tags: Medicaid Rules
Q:

Are Medicaid Issues Raised If the Appraised Value of a House Is Higher Than the Purchase Price?

My mother-in-law is in an assisted living facility. Her funds are diminishing and it is necessary to sell her home to meet her expenses. Her grandchild is interested in purchasing it. If the agreed-upon purchase price  is less than the appraised value (due to needed upgrades -- septic and furnace are outdated) and in approximately two years her funds run out and we have to apply for Medicaid, will this be a problem? Since the sale was to a family member, could Medicaid force us to pay the difference between the selling price and the actual appraised value of the home? 

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tags: Medicaid Rules
Q:

Can a Medicaid Applicant Who Died Before Eligibility Notification Still Receive Benefits?

My husband was in an Illinois nursing home and had applied for Medicaid but died before he received notification of his eligibility. What happens now regarding eligibility and the payments I made during the “pending” period? 

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tags: Medicaid Rules
Q:

Can I Transfer Mom's Life Insurance to Help Her Qualify for Medicaid?

The nursing home has initiated a Medicaid application for my mother but I have not yet been contacted. Her life insurance policy's cash value exceeds Medicaid's $1,500 resource limit. Can I still transfer ownership of the policy? 

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tags: Medicaid Rules, Medicaid Planning

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