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Please remember that nobody is "taking" anything from anyone.
Medicaid is a public benefit program from which we are requesting assistance.
We are being asked to pay our fair share and we are voluntarily doing so.
That's reasonable, isn't it?
Once the above is determined you will then have discover how your state treats countable income exceeding the $2,205 Medicaid eligibility income limit.
Some states require that an Irrevocable Qualified Income Trust be established. A bank account is then opened in the name of the trust and the amount over the Medicaid income limit of $2,205 per month is diverted to the trust each month. The diverted funds in the trust's bank account are then used to meet the Medicaid recipient's Patient Responsibility (the amount paid to the nursing home) or go to the Community Spouse as a resource allowance.
Other states simply look at the Medicaid recipients total countable income vs. cost of care and as long of the cost of care exceeds countable income the recipient continues to qualify. The Community Spouse resource allowance may also be increased if there is an increase in income.
Another consideration is any lump-sum retroactive award that may be received. Again, depending on the state, it may be considered income in the month received or as an asset. How to handle this aspect of the award and maintain eligibility can also become quite complicated.
Much of this information can be found online however it will probably be easier to contact a professional.
IF you are married, the rules are different. A community spouse will have different amounts that can be kept for the spouse in the community. This more complicated scenario needs a lawyer or someone well versed in the rules and paperwork for Medicaid planning.
" community spouse".
The first step in any application is to be certain that the agency understands whether the applicant is for community Medicaid or long-term care benefits, as explained above. Some states use completely different forms for institutionalized and community-based applications. Others simply provide boxes to mark on a unified form. Check with your local Medicaid agency to find out the rule in your state.
source: http://longtermcare.gov/medicare-medicaid-more/medicaid/medicaid-eligibility/financial-requirements/
I would like to know how to apply for Medicaid for her and the long term facility will take her Germany pension Maria P.
if you have someone in your family wife cousin or spouse. And you have an ins policy for them as an asset ..can the n.h. take it away from the beneficiary upon the spouse passing?
If your mother was financially and otherwise eligible in September there is no reason why benefits should not be retroactive to September.
File an appeal. In most states you have 60 days from the date of the decision letter.
Search for the procedure in your state.
The plan was to start in April, file the paperwork in June with an effective date of September 2014. After the application was filed there were a few questions, but not much activity on the part of the medicaid worker. As of September I spent down the remaining funds, to $2,000, and paid the care facility her SS less $100.
Starting late September through December 2014, I started receiving 7-10 pages of questions (many were repeat questions that were previously answered. the biggest issue was the checks Mom would get from individual members of her congregation. I had to provide individual copies of each deposit over $700 for five years. The local bank manager was an Angel, as he research each deposit and copied each check in some cases there were 30-40 check ranging in amount between $10-$100. By November 2014 all of the questions were answered, and it took another month to get final Medicaid approval.
It is now April 2015 and the dementia facility has not been paid. Upon checking on when payment would start I was informed that the payment would not be retro active to the September date. My concern is since all funds were spend down there are no funds to pay the facility and they need their money. Has any one experienced this situation, what advice do you have.