Medicaid Estate Recovery

Medicaid Estate Recovery ndiyo Equivalent yeMedicaid Death Tax

Maererano neDhipatimendi reUnited Health and Human Services, Medicaid "inopa rubatsiro rwehutano kune vanhu vanochera mari, mhuri, uye vana, vakwegura, uye vanhu vane hurema." Muna 1993, mutemo wezvematongerwo enyika wakagadziriswa unoda kuti hurumende yeUnited States iite "Medicaid estate recovery" purogiramu yemapoka maviri evanhu vanogamuchira Medicaid dzinobatsira: (1) Munhu wese anopfuura makore makumi mashanu akawana Medicaid rubatsiro, uye ( 2) Chero ani zvake anogara achigadzwa uye akawana Medicaid rubatsiro, pasinei nezera.

Nokudaro, kana iwe kana munhu waunoda achiwira mune rimwe remapoka aya maviri, ipapo nzvimbo yako kana nzvimbo yako yaunoda ichave inenge ichitungamirirwa neDedicaid link kana " mutero wekufa " mushure mekufa kwenyu.

Chii chinonzi Medicaid Estate Recovery?

Medicaid estate recovery inotungamirirwa nehurumende yemitemo iyo inotungamirira nyika kuti idzoke kubva kune imwe nzvimbo yevakafa muMedicaid uyo anowira mune imwe yezvikamu zvakatsanangurwa pamusoro apa zvinhu zvakaenzana nekukosha kweMedicaid inobhadharwa nokuda kwemupi mupi wakafa panguva yake kana kuti hupenyu hwake.

Kubva kuMedicaid imba yekugadzirisa inotungamirirwa nemutemo wehurumende, izvi zvinoreva kuti humwe humwe hurumende yeUnited States ine mitemo yega yekutonga izvo zvingadzorerwa. Pachishoma, mutemo wezvematongerwo enyika unoda kuti uedze kugadziriswa kwemari yeMedicaid mibairo inobhadharwa nekuda kwemufambi akafa pamusoro pezvinhu zvake zvinofanira kuendeswa kuburikidza nehuwandu. Pakati pepamusoro, nyika inogona kuedza kugadziriswa kwemari yeMedicaid mibayiro inobhadharwa nekuda kwemupi wemubatsiri kubva kune chero ipi zvayo inowanikwa nemupiki panguva yekufa kwake.

Nokudaro, kubva pakuongororwa pachako kunotungamirirwa nemutemo wehurumende uye mitemo iyi inoparadzaniswa kubva kune imwe nyika kuenda kune imwe nyika, zvinokosha kunzwisisa kuti chii chiripo chinogona kuongororwa munharaunda yako (inotaurwa zvakanyatsonaka se " probate assets ").

Ndezvipi Zvivako zveZimba, uye Handizvo, Zvichienderana neMedicaid Estate Recovery?

Nenzira yakawanda, kuwira muboka rekutanga reMedicaid vaigamuchirwa rinorondedzerwa pamusoro apa mairi ari pasi peMedicaid estate recovery, munhu wacho anofanira "kurwara uye kuputsa." Saka izvi zvinokumbira mubvunzo - Kana iwe uchida kurwara uye ukaputsika kuti ukwane kuMedicaid, zvino ungagona sei kuva nezvinhu zvakasara munzvimbo yako kana iwe ukafira hurumende kuunganidza?

Iyi ndiyo iyo "Medicaid kuronga" kana "Medicaid estate planning" inotanga. Kunyange zvazvo chinangwa chikuru chekuronga uku ndiko kukodzera munhu anorwara weMedicaid zvinowanikwa (kazhinji nokukurumidza sezvinobvira), chimwe chinangwa ndechokutora zvinhu izvo zvichave zvichienderana neMedicaid land recovery apo pasi pezvemitemo yenyika inoshandiswa (inonzi "hapanaxempt zvigadzirwa ") uye kuvashandura kuva zvinhu izvo zvisingasviki neMedicaid estate recovery (inonzi" kurega zvinhu "). Nezvo zvakati, mune dzimwe nyika zvinogona kuita kuti munhu anorwara aputse zvakakwana kuti akwane Medicaid, zvingave zvisingakwanisi kuchinja imwe neimwe yezvinhu zvakagadzirwa nemupi wemugove kubva kune imwe yezvinhu zvisingabhadharwi mune imwe yenyika isingabhadharwi kana hurumende ane utsinye Medicaid estate recovery law.

Saka ndezvipi zvezvinhu zvakasunungurwa kubva kuMedicaid estate recovery? Sezvakakurukurwa pamusoro apa, sezvo Medicaid pfuma yekugadzirisa inotungamirirwa nemutemo wehurumende, chii chinogona kunge chiri chinhu chisina kukodzera mune imwe nyika chingave chisingabhadharwi mune imwe nyika. Izvi zvinoreva kuti zvinosuruvarisa kuti hazvibviri kuti kunyange kupa ruzivo rwakakwana uye rukuru rwezvinhu zvingave kana zvisingasunungurwi. Nokudaro, zvakakosha kutaurirana nemutemo mukuru wemutemo muhurumende umo munhu anorwara ari kurarama kuitira kuti aone kuti zvinhu zvipi zvomunhu anorwara zvicharegererwa, kana kuti hazvisunungurwi, kubva kuMedicaid estate recovery.