30 yr old woman in nursing home with Medicaid/Medicare. Mother dies; she is a beneficiary insurance money. Can the nursing home take it?
- 1 month ago
No, Medicaid gets first dibs on it, not the nursing home.
- Casey YLv 72 months ago
As soon as that money hits her account, Medicaid can take it.
She cannot stay in a nursing home, paid for by the general public, AND have available assets (within limits). You want the public to pay for your care, you must be destitute.
- Ron AkiaLv 62 months ago
No, but Medicaid can.
- EvaLv 72 months ago
The nursing home doesn't take it, Medicaid does as reimbursement toward all the money they've paid out. Depending on how much it is, it may also disqualify her from Medicaid for a time. There is a way around this if it's done before the mother passes. A special needs trust can be set up for her and named as beneficiary instead of the money going to her directly.
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- 2 months ago
Medicaid wouldn't kick in if there was too much of an insurance policy in place, so no they wouldn't take it. But, if they found out afterwards that the amount would have disqualified her, they'll be looking to get some money back.
- curtisports2Lv 72 months ago
The state would take it, not the nursing home. The nursing home is paid by the state. The money immediately becomes an asset that she must spend down to continue to receive taxpayer-paid nursing care. She may be able to keep a small amount for personal needs. Medicaid would determine how much she is allowed to keep.
- StephenWeinsteinLv 72 months ago
Yes. And they have to. The medicaid spenddown is brutal. They can't let her have more than about $2000 at any time for any reason. If she gets over the limit, no matter how it happens, they have to take her money.
- Anonymous2 months ago
No they can’t just take it. They would need to file a claim against the estate for money owed. Also, and I’m assuming the 30 year old daughter is the beneficiary of the insurance money. She is not liable for her mother’s debts.
- JohnLv 52 months ago
Not the nursing home. Since she is on medicaid, however, the state can either take the money or disqualify her from medicaid until the insurance proceeds are used up in nursing home costs.
- WilliamLv 72 months ago
I don't think so. The bill is the mothers. Any money due is supposed to come out of the deceased person Estate. The money is the daughters.