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How An Obscure Law Could Cost You $93,000 A recent Forbes article caught my attention. It’s titled “Son Hit With Aging Parent’s $93K Nursing Home Bill.” In this article we’re introduced to John Pittas and his mother. You can click the link above to read the entire article, but to summarize the story, John’s Mom was in a nursing home and racked up a $93,000 bill. Apparently, she got out of the nursing home and left the country leaving the bill unpaid. However, she did apply for Medicaid to cover the bill which it normally would in the event that she wasn’t able to. Unfortunately for her son, John, the Medicaid application wasn’t approved quickly enough to cover the bill, so the nursing home went after him to cover his Mom’s bill. At this point, you’re probably thinking the same thing I was . there’s no way this woman’s son can be on the hook for her medical care. But upon reading further, I learned otherwise. Turns out John and the nursing home are in Pennsylvania which is one of 29 states with something called the “filial responsibility law.” This law says that the immediate family of a needy adult is responsible for taking care of them. You’ve probably never heard of this law because it’s rarely enforced. In this instance, however, the nursing home did invoke the law and sued John for $93,000. And the trial court ruled in favor of the nursing home. Even after John Pittas appealed the decision and asked why his Mom’s husband or other adult children we’re being pursued to cover the bill, he was still assigned sole responsibility for the entire $93,000 expense. The appeals court ruled that the nursing home didn’t have to wait to get its expenses covered through Medicaid and that it could choose any family member it wanted to pursue for payment. Could This Happen To You? I’d love to tell you this is an extreme case and you shouldn’t lose sleep over it, but if you’re in one of the 29 states with this law, consider yourself warned. The filial responsibility states include Alaska, Arkansas, California, Connecticut, Delaware, Georgia, Idaho, 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. Georgia – one of the states listed above – is my home, and is also home to many of my clients. So whether you’re in Georgia, Pennsylvania or one of the other states with this law, I would encourage you and your parents to plan ahead for long term care costs. This might involve long term care insurance or other strategies to plan for the expenses associated with a nursing home or other long term care needs. Please contact me if you’d like to discuss your situation so we can make sure you’re not unprepared for a surprise $93,000 nursing home bill. Also, my friend and fellow blogger JLP of AllFinancialMatters.com recently posted about this same article and has stirred up an interesting conversation in his post’s comments. You might want to check it out for some more perspective on this. And finally, here’s a more recent article about the same story from Business Insider. It reveals a few more details surrounding this family’s situation. This article does not constitute a personal recommendation or take into account the particular investment objectives, financial situations or needs of individual clients. It is intended for illustrative, educational purposes only and does not constitute legal advice. You should contact a legal professional for advice. Illustrative data used in this article is from sources believed reliable but not verified independently. Wealthcare Capital Management’s disclosure document ADV Part 2A can be found here.
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Od 2010 , 23 država pokrenuti vlastite visokorizične programa zdravstvenog osiguranja za ljude koji su nijekali pokrivenost zbog već postojeće stanje , prema JS News. Te države mogu postaviti svoje vlastite kriterije za kvalifikaciju . Alabama , Arkansas , Delaware , Florida , Georgia , Illinois , Kentucky, Indiana , Kentucky , Louisiana , Massachusetts , Michigan , Mississippi , Nebraska , Nevada , Sjeverna Dakota , Južna Karolina , Tennessee , Texas , Virginia , Vermont , West Virginia i Wyoming odlučili u ovaj program . District of Columbia je također upisao u ovom programu . Federalno - pokretanje programa dvadeset sedam država koje su odlučile dopustiti daSavezna vlada pokrenuti zdravlje visokog rizika osiguranje planira u svojoj državi . Savezno ministarstvo zdravstva i socijalne skrbi unajmljuje administratorima omogućuje pokretanje programa u tim državama . Države koje sudjeluju u ovom programu kao listopada 2010 su Alaska , Arkansas , California , Colorado , Connecticut , Illinois , Iowa , Kansas , Maine , Maryland , Michigan , Missouri , Montana , New Hampshire , New Jersey , New Mexico , New York , North Carolina , Ohio , Pennsylvania , Oregon , Pennsylvania , Rhode Island , Južna Dakota , Utah , Washington i Washington State . Savezna pomoć će trajati do 2014 , kada je novi zakon na snagu zabrana osiguravajuća društva onemogućavaju pokriće za ljude koji imaju već postojeće osiguranje . Zašto Države isključeni iz Neke države odlučio ne sudjelovati u federalnom programu , jer državni dužnosnici bili zabrinuti programu ponestaje novca , prema JS News. Države koje ne sudjeluju u ovom programu su besplatni naplatiti visoke premije za osiguranje visokog rizika , ako to žele . Međutim , neki povlašteni ljudi ne mogu priuštiti trošak visokog rizika zdravstvenog osiguranja u tim državama . From:http://hr.265health.com/healthcare-industry/health-insurance/1016089913.html