Staying Eligible for Medicaid After The Death of a Spouse
November 26, 2013 - Posted by: admin - In category:
Determining eligibility for Medicaid can be tricky at the outset and maintaining eligibility over time can also be complicated.
With the rising costs of long-term care, including nursing home expenses, Medicaid and being qualified for the same is becoming an ever-more-important subject for many people. There are certain rules and regulations established by state and federal law which determine whether a person is eligible for Medicaid benefits–in other words, whether Medicaid will pay for the nursing home costs (or a portion thereof) for such person. Understandably, most of the focus on Medicaid eligibility is on the original qualification question–i.e. does a person qualify in the beginning for Medicaid coverage? This is a vitally important determination and, it should be noted, with proper planning, much can be done to greatly increase the likelihood that a person could qualify for Medicaid coverage.
However, staying eligible for Medicaid over time is also very important (although often very little thought and care go into this consideration), since it is not enough to have once been qualified for Medicaid coverage. Rather, there is an ongoing test of Medicaid qualification and a person may become disqualified for Medicaid benefits upon the occurrence of certain events. One of the most common disqualifying events is the death of the “community spouse”, i.e. the spouse that is not in the nursing home.
Dana Perry has written a helpful article on this subject.