Q: Elder law Michigan/How to Protect Life insurance claim from nursing home if beneficiary is also a resident on Medicaid?
I am guardian of my aunt in Michigan, she is in nursing home in Michigan, and will need forever long-term skilled care, she is on Medicaid/Medicare/SS. She is the beneficiary to a life insurance policy, it can be claimed. I am trying to move her to Ohio as we are her last remaining family. A nursing home here will take her if I sign the money over to them as a private pay enrollment, until her Medicaid takes over payment. She has no other assets and will need Medicaid to take over permanently. She needs medical transportation. This seems to be our only option of getting her closer so we can monitor her care the best. How do I make the claim, but protect the money from her current nursing home in Michigan, so it can be used to transport and place her in a facility in Ohio? And How long can I wait to make the claim?
A:
Im general, during the pandemic, Medicaid is not cutting people off Medicaid, if they are already on Medicaid.
You should speak to a Michigan elder law attorney to confirm this for Michigan.
If that is the case, then you would be able to claim the finds now and then apply for Medicaid in Ohio once she has moved to Ohio.
As a new case in Ohio, the pandemic rule won't apply and you will need to spend down.
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