Posted May 24, 2012
Our researchers came across this article from Senior Housing News that we beleive that as Caregivers we should think long and hard about. When the situation comes to the point of making a decision on putting the one we are caring for into a Nursing Home or Assisted Living Facility we need to think long and hard about the consequences that may arise that we don’t usually take into consideration.
This article should open our eyes and we should do the research on what each individual states laws are and how family members can avoid being made to pay the costs of care of the person we are caring for. What this this article is really saying to us is that we need to PLAN and do our homework when it comes time to choosing a Senior living Community for the ones we are caring for. This is the kind of information that we as Caregivers we need to know about and plan for, there is just no substitute for doing our own home work and having the right information.
The Alzheimer’s Research Association will be looking into this and trying to keep you updated on what we find. As we all know that the costs of Senior Care will be skyrocketing over the next few decades, and if we as Caregivers are going to be made to pay for these costs, we need to know that these types of laws can potentially wipe us out financially. Please read the article and take heed. ARA
Forbes: Will Adult Children be Forced to Pay Parents’ Nursing Home Bills?
Alyssa Gerace | May 23, 2012
The adult son of a former nursing home resident has been determined responsible for paying his mother’s $93,000 bill by a Pennsylvania appeals court, reports Forbes, and this might be the beginning of a new trend.
Pennsylvania is one of 30 states that have filial responsibility statutes—laws that impose a duty on adult children to care for their indigent parents. About two-thirds of those states, including Pennsylvania, allow long-term care providers to sue family members to recover unpaid costs. The rest, including states such as Massachusetts, have no recovery provisions. However, failing to care for a parent is a criminal offense. In the Bay State, the penalty is a $200 fine or up to one year in jail.
The rules vary widely from state to state. But most take into consideration the adult child’s ability to pay. For example, a daughter would be protected if she also has extensive bills for her own child’s college education. In some states, such as Maryland, only the nursing home resident is responsible for a bill, although family members can voluntarily agree to help pay.
And federal law prohibits states from going after families after someone is already eligible for Medicaid long-term care benefits or from including an adult child’s income and assets when determining whether a parent is eligible for Medicaid. As a result, these laws apply only before people enroll in Medicaid.
In the case cited above, a woman spent six months in a nursing home while recovering from an automobile accident. Her stay cost far more than her monthly Social Security and pension income, and her Medicaid application was still pending by the time she left the facility—leaving the bill unpaid.
Many states have filial responsibility laws, but few have traditionally enforced them. That may be changing, says Forbes, as nursing home costs increase and residents have less ability to pay them.
“While these laws don’t directly apply to Medicaid recipients, they may force children to pick up their parents’ long-term care costs long before mom is ever eligible for Medicaid,” says the article. “Such a step could still shift significant costs from states to families.”
Read the full Forbes article.
Written by Alyssa Gerace