Archive for the ‘Healthcare’ Category

Can My Parent Qualify for Medicaid in New Jersey?

Tuesday, December 27th, 2011

This is part of a series of posts, published on Tuesdays, regarding Medicaid and elder law topics of general interest in New Jersey.

The answer to this question is complex, but given a little help from these posts, and hopefully some consultation with a good elder law attorney, we will be able to sketch out what is needed so your parent can qualify for Medicaid (also known as “Medicaid Only”) services for medical care in New Jersey. Eligibility for Medicaid for seniors has two facets financial and medical. The medical factors are usually handled by the facility itself, and require paperwork to be filled out by medical personnel (who again are typically employed by the facility). The financial factors are of course within the control of the applicant and his/her family, and we will be discussing them in great detail in future posts.

The baseline rule is that a Medicaid recipient can only have $2,000 in what are called “countable assets.” That number is preposterously low for the vast majority of New Jersey residents, and the key to making that number more palatable is to determine what is “countable.” Medicaid planning is, at its most basic level, the art of converting “countable” assets to “non countable assets,” exempting as much as possible from the grasp of the Medicaid program. Future posts will discuss what “countable assets” are, what exceptions there are to those rules, and how a skilled attorney can start to use those exemptions to a client’s advantage.

What do we mean by “Medicaid” in New Jersey?

Tuesday, December 20th, 2011

This is part of a series of posts, published on Tuesdays, regarding Medicaid and elder law topics of general interest in New Jersey.

“Medicaid” is an entitlement program (meaning the government gives it away to people). It is, however, not a “social insurance” program in the way that Social Security and Medicare are. Social Security are automatically available to you once you reach a certain age, and there are no additional requirements. You also have to pay in to those programs through automatic deductions from your paycheck.

Medicaid on the other hand is a program funded through both the federal and state governments that allows for health insurance, medical care, and cash payments in some cases. However, in order to qualify for Medicaid, a person must meet specific financial and/or medical standards. The programs cost the state government a lot of money, and so the state’s guidelines are strict. Each county’s Board of Social Services (or County Welfare Agency) administers these guidelines very carefully, although sometimes there is variation in some of the marginal issues depending on which county you go to.

When this blog discusses “Medicaid” in an elder law context, though, what is mainly being referred to is something called the “Medicaid Only” or “Medically Needy” programs. They mean that an applicant is only looking for the government to pay for the cost of care, and not to provide cash or other benefits (food stamps or the like).  Each of those programs have different asset limits but they are certainly lower than the assets most seniors currently have saved for retirement.

In short: If you see the word “Medicaid” used without reference to assisted living or skilled nursing facilities, some of the information presented there might not be accurate for your particular case.

Medicaid Eligibility Can Be Different In Every State and Even Every County!

Thursday, December 1st, 2011

The federal government provides only the bare minimum guidance on its programs, and leaves the implementation of the programs, along with most of the eligibility requirements, to the individual states. The states in turn put together laws and regulations to interpret the federal laws and lay out the groundwork for the application process. The actual interpretation of state and federal laws and codes is done mostly by bureaucrats at the county level. If there is a dispute, and an individual appeals an adverse ruling, only then does an administrative law judge get involved.

Medicaid planning and application for seniors isn’t like traditional legal and litigation work. It doesn’t help a lawyer very much to “know the judge.” It is much more important to know the officials on the county level who interpret the rules, and know what they will allow and what they will reject. That kind of ground-level knowledge will make planning much less risky and much more efficient, while ensuring that your loved one receives uninterrupted care with minimal financial risk. If you have any questions about county rules and interpretations, or you just want to know how to get started, please feel free to call Carl today at 609-452-8411 for a free phone consultation.

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