Q: Can I have a life insurance policy for my mom who lives in a nursing home to help pay for funeral expenses?
She lives in a nursing home has Medicare and Medicade but no other assets. I would have a difficult time covering her final expenses I want to purchase life insurance to help cover her final expenses. I have heard about filial responsibility laws and am concerned about this.
A: Yes, there is such a thing. However, you I’ll most likely find that the premium is about equal to the death benefit at your mom’s stage in life.
Most likely you either will not be able to find an insurance company that would insure your mother and/or the cost of the policy will be VERY expensive. Even though Oregon has a law that says, "Parents are bound to maintain their children who are poor and unable to work to maintain themselves; and children are bound to maintain their parents in like circumstances." (ORS 109.010) I have never seen an example of an adult child be held responsible for payment of their parent's funeral unless the child signed a contract. Be very careful what you sign.
If you plan to pay for your mother's funeral I recommend you save a little each month. You may also be able to use your mother's personal spending allowance through Medicaid to set aside a small amount of her monthly income or make small payments towards an irrevocable burial plan for her.
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