Blog

April 26, 2018
ABLE Accounts for Blind and Disabled Individuals

ABLE Accounts for Blind and Disabled Individuals

In December 2014, the Achieving a Better Life Experience Act (ABLE) became law.  The law allows a disabled individual to create an account to save money for the individual’s disability expenses.  The account will not affect the individual’s Social Security or Medicaid benefits. Eligibility for ABLE Accounts An individual qualifies to have an ABLE account […]
April 19, 2018
Medicaid Estate Recovery

Medicaid 101: Part 12 – Medicaid Estate Recovery

The posts in this blog series have focused on Medicaid eligibility criteria, important concepts, and planning options.  The final post for this series addresses Medicaid estate recovery. Beginning January 1, 1995, Ohio implemented the Medicaid estate recovery program, which is mandated by federal law.  The Medicaid estate recovery program seeks repayment from the individual’s assets […]
April 12, 2018
Medicaid crisis planning

Medicaid 101: Part 11 – Crisis Planning

Part 10 of this blog series discussed long-term planning – that is, planning to protect assets more than five years before a Medicaid application is filed. Many times, however, unexpected events occur and a long-term plan cannot be accomplished.  Instead, a more immediate plan, called a crisis plan, could be implemented to still protect assets […]
April 10, 2018
New Medicare cards

New Medicare cards to be issued – beware of scams

Beginning in April 2018, Centers for Medicare & Medicaid Services (CMS) is issuing new Medicare cards to remove Social Security Numbers from the cards.  New Medicare enrollees will receive one of these new cards containing an account number instead of their Social Security Number. Those already enrolled in Medicare will start receiving new cards over […]
April 5, 2018
Long-term Planning for Medicaid

Medicaid 101: Part 10 – Long-term Planning for Medicaid

Part 5 of this blog discussed the five-year lookback period for Medicaid eligibility.  If any gifts or transfers of assets are made in the five years preceding the filing of a Medicaid application, the applicant may be penalized for those gifts or transfers. Any transfers made more than five years before a Medicaid application is […]
March 29, 2018
Medicaid 101: Part 9 - Expansion Medicaid

Medicaid 101: Part 9 – Expansion Medicaid

Part 1 of this Medicaid blog series generally discussed the Medicaid program and its eligibility requirements. For most Medicaid applicants seeking long-term care coverage, there is both an income and an asset test for eligibility. Refer to Part 1 and the corresponding sections regarding those eligibility requirements. The Affordable Care Act implemented the Medicaid expansion […]
March 23, 2018
Spousal Refusal or "Just Say No"

Medicaid 101: Part 8 – Spousal Refusal or “Just Say No”

Part 6 of this Medicaid blog series discussed the traditional method for a married individual to qualify for long-term care Medicaid. In some circumstances, a non-traditional method, called Spousal Refusal, can be implemented. Typically, the healthy spouse (known as the “community spouse”) can protect more assets with the Spousal Refusal method than with the traditional […]
March 15, 2018

Medicaid 101: Part 7 – Spousal Monthly Income Allowance

Part 1 of this Medicaid blog series generally discussed the Medicaid program and its eligibility requirements.  Part 2 discussed the Assisted Living Waiver program, and Part 3 addressed the PASSPORT program.  This post will refer to all three programs collectively as “long-term care” Medicaid. While each of these programs has a specific set of eligibility […]
March 8, 2018
Snapshot Date and Community Spouse Resource Allowance

Medicaid 101: Part 6 – Snapshot Date and Community Spouse Resource Allowance

Part 1 of this Medicaid blog series generally discussed the Medicaid program and its eligibility requirements.  Part 2 discussed the Assisted Living Waiver program, and Part 3 addressed the PASSPORT program.  This post will refer to all three programs collectively as “long-term care” Medicaid.  While each of these programs has a specific set of eligibility criteria, some criteria apply to all three programs, including the […]
March 1, 2018
Five-Year Lookback Period and Penalties

Medicaid 101: Part 5 – Five-Year Lookback Period and Penalties

Part 1 of this Medicaid blog series generally discussed the Medicaid program and its eligibility requirements.  Part 2 discussed the Assisted Living Waiver program, and Part 3 addressed the PASSPORT program.  This post will refer to all three programs collectively as “long-term care” Medicaid. While each of these programs has a specific set of eligibility […]
February 22, 2018
Income eligibility and Patient Liability

Medicaid 101: Part 4 – Income eligibility and Patient Liability

Part 1 of this Medicaid blog series generally discussed the Medicaid program and its eligibility requirements.  Part 2 discussed the Assisted Living Waiver program, and Part 3 addressed the PASSPORT program.  This post will refer to all three programs collectively as “long-term care” Medicaid. While each of these programs has a specific set of eligibility […]
February 15, 2018
Medicaid PASSPORT Program

Medicaid 101: Part 3 – Medicaid PASSPORT Program

Part 1 of this Medicaid blog series generally discussed the Medicaid program and its eligibility requirements.  Those requirements apply to individuals seeking Medicaid benefits in the nursing home.  Those same requirements also apply to individuals seeking coverage of in-home services under the PASSPORT program, but the Medicaid PASSPORT program has some additional requirements. What is […]