자녀에게 주택 양도하는 방법아시는분의 조언부탁드립니다

정부보험이 뭔지부터... 정부 메디케어나 메디케이드가 수혜자 사망시 재산 들고간다는 얘기는 처음듣네요.

실제로 그렇다면 이런식으로 양도하시는 것도 문제되지 않을끼요?

저도 비슷한 케이스 이긴 하나..집장만때 타이틀에 어머니와 제이름을 같이 넣어서 진행 했고요..몰게이지는 어머니 이름으로만 진행된 상태에서 나중에 어머님 이름을 타이틀에서 뺐어요.. 물론 지금은 은퇴하셨고. 몰게이지 이름은 어머님이긴 하나 세금과 몰게이지는 제 어카운트에서 제가 페이 하고 있고요.

전 타이틀 회사에서 진행 했는데 불법적이나 문제가 될꺼라면 아예 진행을 안해주시지 않았을까 해요. 각기 개인 사정과 상황에 따라 다르긴 하겠지만요. 전 CA입니다.

Estate planning 변호사와 상담하시면 좋을듯합니다

저도 궁금해서 찾아봤는데....말씀하신 상황이 이것 같네요.

https://www.elderlawanswers.com/protecting-your-house-from-medicaid-estate-recovery-12155

비슷한내용이 궁금해서 여기저기 찾아보다가 이 글을 읽었네요 혹시 어떻게 진행되었는지 알 수 있을까요?

메디케이드 받으신거라면 사망 후에 유산 중에서 정부가 메디케이드에서 발생한 비용을 청구할 수 있는게 맞구요.

그만큼 적어진 돈을 상속자들이 상속받게 됩니다.

근데 어머님이 살아계시다면 듣기로 이 메디케이드 비용 정산 문제는 어머님이 돌아가신 이후로 미룰 수 있다고 알고 있습니다. 즉, 상속시에 (돌아가신 후에만) 정산이 시작됩니다.

일단 재가 알기로로지부융자가 남아 있는 상태에서는 집 타이틀을 자녀 이름으로 100%넘기는건 불가능 합니다. 단 공동으로 같이 들어가는건 가능합니다.  윗분 물씀 처럼 중간에 어머님 이름만 빼는건 사실상 불가능 한걸로 알고 있는데 어떻게 하셨는지 궁금하네요 그냥 융자 잘 갚고 아무 문제 없이 패이오프꺼기 가면 다행인대 만약에 중간에 문재가 생겨서 집이 폴크로즈 되면 은행은 입을 차 합 할수록 없습니다 집이 다른 사람 명의로 돼 있어서 이렇게 되면 나중에 복잡한 문재가 발생 할수록 있습니다. 또 하나는 아직 집 융자가 남아 있는 생태에서 집을 팔게되면 집 융자받은 사람과 집 타이틀을 가짐 사람이 틀려서 클로징에 복잡한 문재가 발생 할수록 있는걸로 알고 있습니다

가장 좋은 방법은 집이 페이오프 된 다음에 자녀 분 이름을 타이틀에 (quickclaim deed) 넣고 나중에 다시 부모님 이름만 타이틀에서 빼는 방법이 있습니다 아마도 이게 가장 안전한 방법 아닌가 생각 됩니다

맞습니다. 메티케이드 받고 롱텀케어 받으면, 살아계신동안은 그집에 살게하지만 돌아가시면, 그 어마어마한 병원비 롱텀케어 비용 사시던 집으로 갚아지게 된다고 합니다. 변호사 유툽 한번 보세요. 트러스트도 메디케이드 혜택 받기 전에 해야하지 않을까요? 일단 트러스트는  변호사들이 전문가입니다. 

https://www.youtube.com/watch?v=ZO-2LZ1_zWE&ab_channel=KCMB-TV 

리빙트러스트로 집을 묶어두시면 되지만 일단 변호사 상담이 필요할 듯합니다.

Who does estate recovery affect?

Medicaid estate recovery applies to anyone who is age 55 or older when receiving Medicaid benefits, and individuals of any age who are permanently institutionalized.

States also can pursue estate recovery for other Medicaid services for these individuals, except for payment of Medicare premiums (see below).

One way to think about estate recovery is that Medicaid “loans” beneficiaries financial support for long-term services and supports, and once the person becomes permanently institutionalized or passes away, the interest-free loan becomes due back to the state. 

Get the facts about estate recovery.

Does estate recovery apply to all Medicaid benefits?

No. It is important to understand that Medicare beneficiaries who qualify for help paying their premiums through one of the four Medicare Savings Programs (MSPs)—the Qualified Medicare Beneficiary (QMB), Specified Low-Income Beneficiary (SLMB), Qualifying Individual (QI) or Qualified Working Disabled Individual (QDWI)—are not subject to estate recovery for those benefits.

Some states combine the application for full Medicaid with MSP benefits. You and/or your loved one can choose to apply for a Medicare Savings Program without applying for full Medicaid, and therefore not be subject to estate recovery. 

How does estate recovery work?

When a Medicaid beneficiary dies, the value of their estate (if they have one) is used to pay back debts before transferring to any heirs. The estate includes any assets, such as a home or savings or retirement account, that are solely in the name of the beneficiary. Depending on your state’s rules, jointly owned property, living trusts, and other assets can also be subject to estate recovery. 

If the person has no assets at the time of death, there is nothing else the state can do. The state cannot ask the beneficiary’s living heirs for repayment if there is no estate.

Additionally, if the beneficiary has a spouse living in the community, a certain amount of their combined resources is protected for that spouse, so they are able to continue living independently. This is called the “spousal impoverishment” provision. In 2021, it protects assets worth up to $130,380.

Can Medicaid take away someone’s home?

Part of the estate recovery process looks at property owned by the Medicaid beneficiary, and recovering some of the debt through the value of that property (this is called putting a lien on the house).

The state can file a lien when the Medicaid recipient is institutionalized and not expected to return home, or after the beneficiary’s death. However, the state cannot seize or place a lien on a home if any of the following of the beneficiary’s family reside there:

• A living spouse
• A child under age 21
• A blind or disabled child of any age
• A sibling with equity interest in the home, who has lived there for at least one year prior to the beneficiary entering a nursing home

The lien is removed if the beneficiary returns home or the house is sold and Medicaid is reimbursed. Some states only put a lien on the home when the beneficiary is alive; others do this after death.

Where can I get help with estate recovery?

The rules around Medicaid estate recovery are complicated and vary by state. To get advice, you may want to reach out to:

• Your state or local Medicaid office
• Your local legal aid office serving low-income Americans
• Many states offer an estate recovery program helpline or website
•  

Medi-Cal (California Medicaid) is a government program that pays for certain types of essential medical services. Medi-Cal can be a vital resource for those who are retirement age because the program pays for long-term nursing home care expenses. When a Medi-Cal recipient dies, however, their estate may have to repay their Medi-Cal program costs through something called the Medi-Cal estate recovery. This often raises the question: How do I protect my assets from nursing home care? The good news is that there may be ways that you can protect your assets from recovery while still qualifying for Medi-Cal. Here is more on how to avoid Medi-Cal estate recovery.

What is Medi-Cal Estate Recovery?

The Medi-Cal program pays for certain types of medical expenses for individuals who cannot afford to pay for them on their own. After a Medi-Cal recipient dies, the program can seek repayment from their estate for the cost of the services they received. This process is called Medi-Cal estate recovery.

Can Medi-Cal Take My Home?

Medi-Cal is income-tested and imposes an asset limit of $2000 for an individual and $3000 for a couple. However, when you apply for Medi-Cal, some of your assets may be considered exempt or non-countable for purposes of assessing your means eligibility. Your primary residence and certain other assets are exempt, meaning you are allowed to own and live in your home while qualifying for Medi-Cal benefits. When you pass away, anything you own is considered to be part of your estate and, therefore, may be subject to Medi-Cal estate recovery. This means that the State can pursue payment from your probate estate to pay for your Medi-Cal services.

Medi-Cal Estate Claims

Outside of certain limited exceptions, the State can make a Medi-Cal recovery claim against a former recipient’s estate. The “estate” refers to the recipient’s real and personal property as defined by California probate law. However, the claim is limited to the lesser of the amount of Medi-Cal benefits received or the value of the estate. Any outstanding debts and mortgages can also reduce the estate’s value. Additionally, if the recipient had an insurance policy, IRA, or pension benefit, those funds would not be part of the estate recovery unless the State was named as a beneficiary or they reverted to the estate.

Estate Planning and Medi-Cal

Planning for your long-term care needs through Medi-Cal should be part of an overall comprehensive estate plan. Medi-Cal planning should also be conducted long before the potential need for services arises. If you don’t have long-term care insurance and don’t expect to have the means to pay out-of-pocket for nursing home care, the time to start Medi-Cal and estate planning is now.  By planning, you may be able to keep some assets out of your probate estate. If the property is not subject to California probate, the State cannot pursue it through Medi-Cal recovery. For instance, property placed into a living trust or held through a joint tenancy is not subject to California probate and, therefore, would not be subject to Medi-Cal estate recovery.

How Do I Avoid Medi-Cal Estate Recovery?

If you want to avoid Medi-Cal estate recovery completely, you can do so by leaving nothing in your estate. This will mean making sure that all exempt assets such as your personal residence and vehicle are not in your name at the time of your death. Making certain that ownership is transferred is just one part of the equation. The best way to protect your assets from nursing home care and Medi-Cal estate recovery and plan for the future is by working with an experienced Medi-Cal and estate planning attorney. You and your attorney can work together to develop a Medi-Cal estate planning strategy that is suited to your circumstances and protects your interests.

메디칼이랑 메디케이드 베네핏 받으시는 분들 중 재산이 있스시면 미리 변호사랑 상담하시는 게 좋을 듯 싶어요.몇년전에 어떤 분이 차사고 피해자로 갑자기 돌아가시고 차보험 위로금이 삼십만불 나왔는데 , 그 돈을 메디칼이 먼저 린하고 다 가져가서 고인의 가족은 한푼도 못 받은 걸로 알고 있어요. 만약에 고인이 재산이 더 있었다면 거기서도 고인을 위해 지불한 모든 비용을 가져갔슬꺼라 교통사고 변호사가 설명해 주더라구요. 메디케이드나 메디칼 가입할 때 이런 설명을 안해 준데요. 보통은 저소득이나 무소득층이라 집도 재산이 없는 경우라 하지만 , 은퇴하신 분들 중 동산, 부동산 있스시면 2017년에 이 법에 Exemption이 추가되어서 재산 보호 가능하다고 해요. 그러니 꼭 관련 변호사랑 상담하세요.