Elyria, OH asked in Elder Law for Ohio

Q: Do I file a claim for a whole life ins. policy that was owned by my stepmother who was receiving Medicaid assistance?

My stepmother was in a nursing home which was partially paid for by Medicaid. She recently passed away. She had a small whole life insurance policy (under $10,000) that the social worker knew about when they helped her apply for Medicaid assistance. The policy value was over $8000 at the time. She was a widower so no spouse. With medicaid estate recovery, I'm not sure what to do with the policy. Do I file claims and save the money until I'm contacted for recovery? There is no executor appointed. She had no other property.

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1 Lawyer Answer
Moshe Toron Esq
Moshe Toron Esq
  • Elder Law Lawyer
  • Cincinnati, OH
  • Licensed in Ohio

A: Life insurance proceeds are exempt from Ohio Medicaid Estate Recovery, if payable to an individual beneficiary.

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