수정, Medi-Cal (Medicaid) 수혜자, 동산 부동산 있으면 갚아야한다. T158

Medi-Cal (Medicaid) 수혜자, 동산 부동산 있으면 갚아야한다.

 

화일첨부; highlight 색 있슴, 

ESTATE RECOV Progr 게시판.docx

0.02MB

 

 

 

저소득 혜택을 받는 사람들 중에 Food stamp, 무료 전화, 무료전기, 요리하는 무료개스, 보조수입 SSI, 등 여러가지 혜택을 받고 있는 사람들 recipient 중에

Medi-Cal (타 주에서는 Medicaid 라 한다) 을 받는 사람들은,,

부동산이 있으면 죽은 후에 다시 갚아야한다. Repayment.

Medi-Cal (Medicaid) 수혜자 recipient 는 의사비, 처방약값, 병원비, 지불은 수만 ~ 수십만 달러가 될수가 있다.

 

아래 혼동이되는 내용을 쉽게 정리하자면

 

CA 주에서는 Medi-Cal (Medicaid) 신청하고

벌금 (처벌) 기간, penalty period (Look back period) 30개월 안에는

자녀들에게 양도 transfer 해서는 안되고, 팔게되면 벌금을 내야한다.

나머지 49 주에서는 penalty period (Look back period) 가 5년 (60 개월) 이다.

 

CA 주에서는 집을 팔아 돈이 있으면 30개월 이후에 신청을 할수있고

신청시에 재산이 독신 $2000 달러 이하,

부부는 $3000 달러 이하이어야한다.

예외인 재산들은

장애인 의료기기들, 교수들의 책, 실험용 장비, contractor 들의 장비는

재산 한도액에서 제외된다. contractor 들이 일을 하라고 장비들은 뺐어가지 않는다.

 

자동차는 부부이던 독신이던 1대만 허용을하고

일을 하라고 추가로 추럭 1대는 허용하지만

승용차 2대는 안된다.

 

CA 주 Medicaid 재산 제한 조건 pdf, 4P,

MEDI-CAL GENERAL PROPERTY LIMITATIONS,

Asset Limit,

https://www.dhcs.ca.gov/formsandpubs/forms/Forms/MC%20Information%20Notices/MC007ENG(0414).pdf

 

그이후 자녀들에게 재산을 양도하고나서 5년 지나야 정부에서 못가져간다.

즉

CA 주는 Medi-Cal (Medicaid)신청을하고 7년 6개월 (2.5 +5년) 지나야 재산을 안 뺐기고

나머지 49 주에서는 Medicaid 신청을하고 10년 (5+5년) 지나야 재산을 뺐기지 않는다.

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CA 주는 재산을 자녀에게 양도하고 (Look-back period) 기간이 30 개월 지나면 정부가 가져가지 못한다. 그러나 Look back period 가 30개월이 안되면,, 모든 수술비, 의사비, 처방약값들 공제하고 자녀에게 넘어간다. 나머지 49 주들은 look back period 가 더 길어서 5년(60개월)이다

 

How long does the Medicaid look-back period last?

When you apply to Medicaid for long-term care benefits, they will review recent financial transactions for disallowed transfers of money or property.

The look back period in 49 of the 50 states is 5 years(60 momths) and begins as of the date of the Medicaid application.

However, in California, the look back period is only 2.5 years (30 months).

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주의 ; avoid 와settle 은 다르다.

Is there time limit to settle an estate in California?

In California, state law gives executors or administrators of estates a time limit to complete probate: one year from the date they are appointed to their position. However, extensions can be requested when delays in the process occur—which is why it generally takes 12 to 18 months.

 

How do I protect my home from Medi-Cal?

One such method is to transfer the home into a properly drafted Irrevocable House Trust so that the children will inherit the home instead of the state.

Another method would be to use a properly drafted Revocable Living Trust.

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아래는 내용은 해당되는 수혜자 집으로 보내오는 내용이지만 website 가 있다.

 

Abobe pdf 1P, 보다는 MS word 로 된 내용이 더 이해하기가 쉽다.

 

올린 내용은 글자가 일정하니,,  다운 받아서 읽는게 이해가 더 쉽다.

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Medi-Cal 은 장례비를 지불하지 않는다.

Medi-Cal will not pay for funeral or cremation costs,

 

Important Notice Regarding Medi-Cal Estate Recovery Program for Beneficiaries 55 years of Age or older,  pdf, 1P,

https://www.dhcs.ca.gov/services/Documents/DHCS-9060-Yellow-Notice.pdf

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이해가 쉬운 MS Word 내용,

 

Estate Recovery Program,

https://www.dhcs.ca.gov/services/Pages/TPLRD_ER_cont.aspx

 

What is Estate Recovery?

The Medi-Cal program must seek repayment from the estates of certain deceased Medi-Cal members.  Repayment only applies to benefits received by these members on or after their 55th birthday and who own assets at the time of death.  If a deceased member owns nothing when they die, nothing will be owed.

For Medi-Cal members who died on or after January 1, 2017:

(See Changes to Estate Recovery effective January 1, 2017 due to Legislation SB 833)

 

- Repayment will be limited only to estate assets subject to probate that were owned by the deceased member at the time of death.

- Repayment will be limited to payments made, including managed care premiums paid, for nursing facility services, home and community based services, and related hospital and prescription drug services received when the member was an inpatient in a nursing facility or received home and community based services.

 

For Medi-Cal members who died prior to January 1, 2017:

- Repayment will be sought from all assets owned by the deceased member at the time of death.      

- Repayment will be owed for payments made for most services received and/or monthly managed care premiums paid on behalf of the Medi-Cal member.

 

Submitting Notice of Death,

If you are the person handling the affairs of the deceased Medi-Cal member, you must provide “Notice of Death” to the Director of DHCS within 90 days of the date of death with a copy of the death certificate. To satisfy the “Notice of Death” requirement and for fastest processing, complete and submit online the “Notice of Death” form with a copy of the death certificate.  You may also mail “Notice of Death” with a copy of the death certificate to DHCS at: Department of Health Care Services, Estate Recovery Section, MS 4720, P.O. Box 997425, Sacramento, CA 95899-7425.

 

Exemptions / Waivers,

Specific limitations or exemptions may apply. The Department of Health Care Services (DHCS) may waive its claim if payment of the claim would cause a substantial hardship. Any request for a substantial hardship waiver must be submitted to DHCS within 60 days of the date on the DHCS Estate Recovery claim letter.

Certain income and resources of American Indians and Alaska Natives are exempt from Estate Recovery. Please be sure to inform DHCS if the decedent’s property is on or near a federally recognized reservation, Pueblo, or Colony. A collection representative will contact you to clarify if DHCS can or cannot collect against these assets. For specific details on what assets are exempt from Estate Recovery please see the State Medicaid Manual, Section 3810 (7) and (8).

 

Pay a Claim,

When you receive our claim amount and are ready to submit payment, we accept Electronic Fund Transfers (EFT) and checks. Regardless of which method you use to pay, you will need your DHCS Account Number to ensure payment is posted to the correct account.

 Contact Information 

- Email: ER@DHCS.CA.GOV

- Phone: (916) 650-0590

- Mailing address for written correspondence:

Department of Health Care Services

Third Party Liability and Recovery Division

Estate Recovery Section - MS 4720

P.O. Box 997425

Sacramento, CA 95899-7425

 

- Mailing address for payments:

Department of Health Care Services

Third Party Liability and Recovery Division

Estate Recovery Section - MS 4720

P.O. Box 997421

Sacramento, CA 95899-7421

 

Request for Medi-Cal Expenses Subject to Estate Recovery,

Medi-Cal members or their authorized representative may submit a

Request for Medi-Cal Expenses Subject to Estate Recovery, form DHCS 4017, once per calendar year for a five dollar ($5) processing fee if the current or former member meets either of the following descriptions:

a.  An individual who is 55 years of age or older when the individual received health care services.

b.  A permanently institutionalized individual who is an inpatient in a nursing facility, intermediate care facility of the intellectually disabled, or other medical institution.