Jul 2, 2012

Are You Responsible for Your Parents Nursing Home Bills?

Are You on the Hook for Mom's Nursing-Home Bill?

By Carole B. Larkin
+Alzheimer's Reading Room

Recently a businessman I know forwarded me a link to a Wall Street Journal article by Kelly Green.

Although I know his intent was to point out the fact that people need long term care insurance, I was nevertheless nonplussed by what I was reading in the article

The article pointed out that 29 states have “filial support” laws that could be used to go after adult children wallets to pay for their parents unpaid longterm care bills.

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Those states are: Alaska, Arkansas, California, Connecticut, Delaware, Georgia, Indiana, Iowa, Kentucky, Louisiana, Maryland, Massachusetts, Mississippi, Montana, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Virginia and West Virginia.

Note that only one state, Pennsylvania, routinely allows nursing homes to threaten families into either paying their parents nursing home bills or to complete Medicaid applications for their parents so that the state can pay the nursing home bills

Under Pennsylvania’s filial support law, the parents have to be considered ”indigent” and the children have to have the means to pay the bill. Neither threshold is specifically defined, which give courts a lot of leeway.” says Green.

One case, Pittas vs HCR Manorcare, has gone thru State Court and an appellate panel and both have found for the facility.

An application for a reargument in front of the full state appeals court is pending.

This is worrisome because Pennsylvania, like a number of the other states listed doesn’t require lack of cooperation or asset shielding on the children’s parts. The simply have to be deemed by a judge to have the means to be able to pay the parent’s bill.

Green says that the key to this is not allowing a gap to form between private payments and Medicaid that later become the basis of a claim against children and other family members. She recommends hiring an elder law attorney who is familiar with the process of Medicaid application to be safe.

Are You on the Hook for Mom's Nursing-Home Bill?

This gives a whole new meaning to reclaimed funds, doesn’t it? Scary, isn’t it?

Carole Larkin MA,CMC,CAEd,QDCS,EICS,
is a Geriatric Care Manager who specializes in helping families with Alzheimer’s and related dementias issues. She also trains caregivers in home care companies, assisted livings, memory care communities, and nursing homes in dementia specific techniques for best care of dementia sufferers. ThirdAge Services LLC, is located in Dallas, TX.

Original content Carole larkin, the Alzheimer's Reading Room