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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.
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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.
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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.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
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Since the policy was not owned by the Medicaid recipient, and since the proceeds were not paid to the estate of the recipient, then the state has no claim to the insurance proceeds.
When I applied for Medicaid for my Dad in NY, I was told that as long as the policy was not owned by him (also from employer), it is not his asset and the beneficiary receives the proceeds.
Depends on who the beneficiary is of the policy. If the beneficiary is a person, then the funds are paid to them and this is outside of probate so outside of any of Medicaid's MERP (estate recovery). BUT if the beneficiary is the deceased estate (which some people do to have funds to settle the estate or to pay for funeral), then it's an asset of the estate.
I'd suggest you look to see if the insurance company has an on-line system to get a policy paid out. Most of the bigger ones do. You will need policy number(s) to get this started. Original death certificate will need to be sent to get paid and it could take a few weeks or several months. If it's an old policy could take longer to process. Good luck.
I don't believe Medicaid can confiscate life insurance proceeds. Those policies have designated beneficiaries by law, and they usually aren't shown as "Medicaid." Medicaid can and does at times come after a decedent's other estate assets, so whomever the estate executor is should be aware of that and have good legal counsel at the ready.
The insurance policy goes to the designated beneficiary. Its theirs to do with what they wish. They aren't required to pay the person's outstanding bills or funeral expenses unless maybe if the spouse. I think Medicaid is very aware of persons assets and leans have been put against them.
Terryjack - the beneficiary, if it's a person, does not have to give a penny to pay on any debts of the estate - yeah they could give the $ to pay for funeral but they don't have to. The deceased may have thought that Niece Nancy would use the $ to pay for a lovely funeral, but Nancy is not required to do so. Nancy may not give a fig about family…... Niece Nancy doesn't even have to even file to cash in on the policy right away, she could wait months to do so especially if the amount is large and she needs to set up someplace for the money to go into to reduce her tax exposure. Family is often ruthless in my experience.
I think that the beneficiaries can decide if any of the life insurance proceeds will go to funeral expenses. Did the Medicaid recipient also get a burial insurance policy?
Would this additional information change any opinions? My relative died without a will. I am the beneficiary in accordance of descendants. The policy is Term; a monthly insurance payment was being deducted from his retirement check to prevent reduction of the Basic monetary amount. In other words the original life insurance amount stayed the same whether actively employed or retired and a monthly premium came out of his retirement check( instead of his taking the' reducing policy option' coverage).
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.
I'd suggest you look to see if the insurance company has an on-line system to get a policy paid out. Most of the bigger ones do. You will need policy number(s) to get this started. Original death certificate will need to be sent to get paid and it could take a few weeks or several months. If it's an old policy could take longer to process. Good luck.
My relative died without a will. I am the beneficiary in accordance of descendants. The policy is Term; a monthly insurance payment was being deducted from his retirement check to prevent reduction of the Basic monetary amount. In other words the original life insurance amount stayed the same whether actively employed or retired and a monthly premium came out of his retirement check( instead of his taking the' reducing policy option' coverage).
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