DOUG asked in Business & FinanceInsurance · 2 months ago

30 yr old woman in nursing home with Medicaid/Medicare.  Mother dies; she is a beneficiary insurance money.  Can the nursing home take it?

10 Answers

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  • 1 month ago

    No, Medicaid gets first dibs on it, not the nursing home.

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  • 2 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.  

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  • 2 months ago

    No, but Medicaid can.

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  • Eva
    Lv 7
    2 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.

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  • 2 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.

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  • 2 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.

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  • Anonymous
    2 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.

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  • John
    Lv 5
    2 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.

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  • 2 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.

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