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I got the money back but now she has $20,000 in assets making her ineligible for Medicaid. I'm POA and trying to figure out how to handle. I thought about letting her go in foreclosure. She owes $78,000.
It's impossible (and unwise) go ask a global, anonymous forum of non-financial professionals for the kind of advice you are looking for, particularly because you give so few other details and variables (like what state she lives in for starters) or her age.
We decided to allow my in-laws' quad home to go into foreclosure because they had a ballooning 2nd mortgage on it, and had only SS pension as income -- they could hardly buy groceries. It took a while for foreclosure to happen.
You should consult with a certified elder law attorney or estate planner or Medicaid Planner for her state. It will be worth the money to get far more accurate and customized guidance.
I read some of the answers on here - check with an elder attorney. Does she have debts that need to be paid? You wrote she owes $78,000. Would the $12,000 help that? Just sayin'. Anyway, the attorney thing would be your best spent money. I went in with mine and for one hour I could ask him anything I wanted it was the best money I spent!
Just a not an attorney thought….. so this 12K is $ that actually was income years ago? So it was like paid Oct 2022 but for SSA monies due from 2020, type of situation?
if this is it, I’m agreement that you need to find an experienced with Medicaid attorney (CELA level of attorney) and see if they can do something in working with a CPA to have the $ considered to be amortized income for the time period it should have been paid to the point it was paid. Amortized rather than a lump sum of income the mo paid and then an asset all months afterwards.
we dealt with something along these line but for a way lesser amount for my mom & LTC Medicaid. Mom had a really vintage term life insurance policy and it was so old that it paid a annual dividend. Dividend are reported income for Medicaid. My moms income was pretty high for her age range and if the dividend was looked at as income only the month paid, it would take her over the monthly income maximum for Medicaid. But if it was amoritized over 12 months of the past year, her income would be under the monthly max. The dividend $ was required to be plowed back into the policy. But nevertheless it was “income” and reported. I’m just spitballing that maybe something along these lines could be used to divvy up the $ so she’s good for Medicaid.
when you do get this figured out, could you please post an update? We all do learns from each other! Appreciate it!
Curious if s.s. is Social Security how did they scam her? An error in calculation maybe?
Is Mom already on Medicaid in a facility or your trying to spend her down? If its spend down, then place her now and private pay for 2 months. Thats what I did and that gave me time to apply and receive Medicaid for my Mom. The house is an exempt asset while she is living. I am surprised she has not been foreclosed on by now if she owes 78k. And taxes, has she been paying them?
No her ss was rerouted by a hack. They hacked the SS office. She was getting her money deposited in her checking account. Then it stopped. I didn't know until I was looking for her stimulus check
If she got 12K back from SS, that meant she had 8K in the bank already (if the 20K you are referring to is bank account). Medicaid bank accounts in Texas are limited to $2K, so unless your state has an $8K limit (or more), she would have been ineligible for Medicaid before she got the refund from SS. You should be able to just spend the money down and reapply when she is below the limit for your state. You can also talk to an elder atty about setting up a trust that won't count against the limit, but can be used for her for certain needs.
Are you saying she owes $78k on her house? Her house will not count in the Medicaid if she signs the form indicating she intends to return to it. After she passes, if the home is in the estate/probate the state could put a claim against the probate to reimburse state for medicaid costs at that time.
If she's already in a Medicaid bed at a NH, you could always just use the money to self pay her bed each month until money is spent down...then reapply for medicaid just before she runs out totally.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
We decided to allow my in-laws' quad home to go into foreclosure because they had a ballooning 2nd mortgage on it, and had only SS pension as income -- they could hardly buy groceries. It took a while for foreclosure to happen.
You should consult with a certified elder law attorney or estate planner or Medicaid Planner for her state. It will be worth the money to get far more accurate and customized guidance.
With help, you'll get this figured out.
Best -
Does she have debts that need to be paid? You wrote she owes $78,000. Would the $12,000 help that? Just sayin'.
Anyway, the attorney thing would be your best spent money. I went in with mine and for one hour I could ask him anything I wanted it was the best money I spent!
The need is for an elder law attorney.
if this is it, I’m agreement that you need to find an experienced with Medicaid attorney (CELA level of attorney) and see if they can do something in working with a CPA to have the $ considered to be amortized income for the time period it should have been paid to the point it was paid. Amortized rather than a lump sum of income the mo paid and then an asset all months afterwards.
we dealt with something along these line but for a way lesser amount for my mom & LTC Medicaid. Mom had a really vintage term life insurance policy and it was so old that it paid a annual dividend. Dividend are reported income for Medicaid. My moms income was pretty high for her age range and if the dividend was looked at as income only the month paid, it would take her over the monthly income maximum for Medicaid. But if it was amoritized over 12 months of the past year, her income would be under the monthly max. The dividend $ was required to be plowed back into the policy. But nevertheless it was “income” and reported. I’m just spitballing that maybe something along these lines could be used to divvy up the $ so she’s good for Medicaid.
when you do get this figured out, could you please post an update? We all do learns from each other! Appreciate it!
Is Mom already on Medicaid in a facility or your trying to spend her down? If its spend down, then place her now and private pay for 2 months. Thats what I did and that gave me time to apply and receive Medicaid for my Mom. The house is an exempt asset while she is living. I am surprised she has not been foreclosed on by now if she owes 78k. And taxes, has she been paying them?
Are you saying she owes $78k on her house? Her house will not count in the Medicaid if she signs the form indicating she intends to return to it. After she passes, if the home is in the estate/probate the state could put a claim against the probate to reimburse state for medicaid costs at that time.
If she's already in a Medicaid bed at a NH, you could always just use the money to self pay her bed each month until money is spent down...then reapply for medicaid just before she runs out totally.
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