Showing posts with label Medicaid. Show all posts
Showing posts with label Medicaid. Show all posts

Thursday, January 19, 2012

VACANT LOT YIELDS HIDDEN TREASURE FOR MEDICAID OFFICIALS IN MASSACHISETTS

Cash-strapped states are leaving no stone unturned when it comes to recovering from the estates of deceased Medicaid long-term care recipients. Still, few would think to search in vacant lots, but that’s where $178,496.00 was found that a Massachusetts judge recently ruled belongs to the Commonwealth as reimbursement for Medicaid payments to a nursing home resident who died a decade ago.


The cash was in a safe that had been dumped in a lot located in the city of Lawrence, which is near the Massachusetts' border with New Hampshire. The safe had once belonged to Sally Daher, a local shoe store owner who spent her last five years in a nursing home.


The safe ended up in the lot because a shoe repairman who rented Ms. Daher’s old store wanted to get rid of it, believing it was a target for burglars. Apparently assuming Ms. Daher had emptied the safe of its contents, the repairman paid a tow truck driver $200.00 to haul it away. When the driver couldn’t sell the safe for scrap, he dumped it in a lot next to his home.


There it lay until Lawrence firefighters noticed it in November 2008. After an hour of work with a metal cutting torch, a jack hammer and an air hammer, the firefighters managed to pry the safe open. Inside they found $178,496.00 in cash packed in plastic shopping bags from Ms. Daher’s old store. The newest bill was from 1982.


At that point, several people laid claim to the cash, including Ms. Daher’s relatives and the tow truck driver. But when Massachusetts Medicaid officials learned that the safe was linked to Ms. Daher, they filed a claim to recover Medicaid funds they had spent on her while she was in the nursing home.


A superior court judge ruled that the cash found in the safe belonged to Ms. Daher and that it was part of her “probate estate.” This means, the judge said, that the safe’s contents are now the property of the Massachusetts Division of Medical Assistance as repayment for medical bills Ms. Daher incurred.


Ken Daher, one of Ms. Daher's surviving children, told the Eagle-Tribune, a local newspaper, that the family would not contest the judge’s ruling.


"I am ecstatic. This is the best Christmas present I could get," said Mr. Daher. "My mother wouldn't have wanted money owed or a handout in a million years . . . My mother did not live like that."

December 26, 2011
Judge: State gets $178K found in safe
By Jill Harmacinski of the Eagle-Tribune

Sunday, April 27, 2008

WHY BUY LONG TERM CARE INSURANCE?

1. It will help you keep your independence and dignity and allow you to make choices. When the time comes for paying for your long term care needs, you may end up spending your savings and then relying on Medicaid for assistance.

2. If you are married and you have a need for long term care, your spouse may be forced to pay for an outside caregiver. The cost is likely to come from your combined income and assets. This may leave your spouse with minimal funds in the future. Insurance solves this problem and allows the healthy spouse to keep the assets.

3. Many healthy care-giving spouses won't spend their money and choose to "tough it out" on their own without help. If care of a disabled spouse drags on too long, this can have a devastating effect on the physical and emotion health of the caregiver. Insurance will help to pay for professional care for the disabled spouse and allow the caregiver spouse needed rest.

4. If your children promise to take care of you when the time comes that you need care, insurance will help them do that. Probably neither you nor your children have thought of the prospects of moving you from place to place, changing your dirty diapers, cleaning up after "accidents" in the bathroom or helping you with bathing and dressing. Insurance will pay for aides to help your children with these tasks.

5. If you are single and a need for long term care arises, insurance can pay for and coordinate that care. With insurance you won't have to feel you would be a burden for family or friends.

6. If you have the desire to leave assets behind when you die, insurance will help preserve those assets from the cost of long term care.