Liberal Forum

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Medicaid Asset Recovery (MAR) 

If you don't die "suddenly and unexpectedly", MAR will take every penny the "health system" missed before you died. Trusts are little defense against MAR. 

You can thank a Lutheran Senator from Minnesota for giving us MAR in the 90s.

 

I was the recipient of a headache. My dad died without a will. I found evidence of 2 separate wills. Neither were ever filed.  I showed up one morning to take him to his doctor's appointentment and found him dead on his couch. I could not find his will anywhere. I secured what I could.

Pretty soon I had relatives showing up like vultures to strip away his meager possessions. I put a quick stop to that. I locked down his bank account, cancelled his credit cards, etc. I knew this was going to probate. Nightmare.

    

They're all vultures already circling waiting for me to die. They're all penniless and perpetually in trouble with the law. 

When they inherit they'll bicker about it and much like lottery winners they'll be broke in less than a year. Why should I try and make their lives 'eaiser?' I've told them what they need to do and they don't listen.

 

Be sure to detail who gets what. I have seen so many kids fighting over their parent's house when the last parents writes, "I leave the house to all my children." 

The parent might love all the children, but they definitely do NOT like each other and will sue each other over who gets the house --- lives in it, pays the ills, etc.  


Yes. And what often happens in reality is relatives (and others) swoop in and just start taking things left and right.

It’s impossible to prove later that any of the items were stolen (which they were). I have several friends this happened to. They ended up spending hundreds of thousands pursuing things taken from the estate. LEO and the courts were absolutely useless. An itemized will is a good vehicle but it doesn’t prevent the thieves from doing their work

 

Assuming the author is not an 'estate planning' attorney himself, I wonder how many here realize what a $cash cow this industry is, and just how big its gotten over the past 30-odd years...?

Not suggesting some don't need the assistance, depending on the diversity and sheer amount of assets held, but regardless, You pay to have the documents drafted, then after you bite the dust, the surviving member/s have to hire again in order to interpret and help them administer the instructions.

See how that works...? And you don't think attorney's organizations don't lobby their fool asses off to make sure the arrangement stays that way, with ever more complicated laws and interpretations...?

These Boomers never seem to die

Expect us to be around for a while. We want to make your life miserable for as long as we can.

     

LowIQTrash » 27 Dec 2025, 10:40 am » wrote: ↑

27 Dec 2025, 10:40 am

https://www.zerohedge.com/political/how ... ent-stream

 

I don't know about laughing at this subject but it's important to be informed. 

If you are involved with taking care of elderly parents you should learn everything about Medicaid possible.

As far as assets go, most of that will wash out in the process of applying for Medicaid. They do a 5 year look back at finances and property transfers to qualify. Luckily, we had been DPOA's for many years and I had detailed receipts for everything. Trust me, they have access to everything you have done financially with your name and SS number. They found two cemetery plots in California we were not aware of valued at over $30k.

I have a friend who went and got his parents 2 years ago from Texas and moved them to Colorado. They are 88 and 91, ready to go into a facility. They have the last two years of finances but the 3 years prior is a mystery and will be difficult to get all the information needed.

The number may have changed but we had to spend down assets to $2k total before applying. We watched $600k go to assisted living facilities and long term care before being placed on Medicaid. In the end after being approached by the Oregon Medicaid Recovery team, I gladly sent them the last $800 or so left in their checking account to the penny. Never heard from them again. There was a period during COVID-19 where they were not withholding the right amount and we ended up with $12k in their checking account when the limit to continue on Medicaid is $2k. We contacted MAR to inform them and they gladly took a $10k check to continue coverage verses being kick off.

It's better to plan ahead if you will be involved with your parents in the end. Any property or financial transfers need to happen a minimum of 5 years prior to being placed on Medicaid.

Our scenario didn't include any family leeches, our only goal was that the parents were cared for and we could go about our lives. That whole episode lasted for a decade plus.

It's worth while to spend the $1500 and get a documented will,  Durable Power Of Attorney for health and finances is a must!


 

Fuelman » 28 Dec 2025, 10:58 am » wrote: ↑

28 Dec 2025, 10:58 am

I don't know about laughing at this subject but it's important to be informed. 

If you are involved with taking care of elderly parents you should learn everything about Medicaid possible.

As far as assets go, most of that will wash out in the process of applying for Medicaid. They do a 5 year look back at finances and property transfers to qualify. Luckily, we had been DPOA's for many years and I had detailed receipts for everything. Trust me, they have access to everything you have done financially with your name and SS number. They found two cemetery plots in California we were not aware of valued at over $30k.

I have a friend who went and got his parents 2 years ago from Texas and moved them to Colorado. They are 88 and 91, ready to go into a facility. They have the last two years of finances but the 3 years prior is a mystery and will be difficult to get all the information needed.

The number may have changed but we had to spend down assets to $2k total before applying. We watched $600k go to assisted living facilities and long term care before being placed on Medicaid. In the end after being approached by the Oregon Medicaid Recovery team, I gladly sent them the last $800 or so left in their checking account to the penny. Never heard from them again. There was a period during COVID-19 where they were not withholding the right amount and we ended up with $12k in their checking account when the limit to continue on Medicaid is $2k. We contacted MAR to inform them and they gladly took a $10k check to continue coverage verses being kick off.

It's better to plan ahead if you will be involved with your parents in the end. Any property or financial transfers need to happen a minimum of 5 years prior to being placed on Medicaid.

Our scenario didn't include any family leeches, our only goal was that the parents were cared for and we could go about our lives. That whole episode lasted for a decade plus.

It's worth while to spend the $1500 and get a documented will,  Durable Power Of Attorney for health and finances is a must!

The primary subject is inheritance planning, not Medicaid raiding your assets to pay for EoL care.

But good to know...apparently it would've been easier to pay cash for gold and silver bars and to conveniently "lose" them than to send the GUBMINT several cheques

LowIQTrash » 28 Dec 2025, 2:15 pm » wrote: ↑

28 Dec 2025, 2:15 pm

The primary subject is inheritance planning, not Medicaid raiding your assets to pay for EoL care.

But good to know...apparently it would've been easier to pay cash for gold and silver bars and to conveniently "lose" them than to send the GUBMINT several cheques

Your OP lead off with MAR, that's the rabbit hole I chose.

Planning for Medicaid is a must for normal Americans, the elites with large trust funds let the lawyers hash that out.
It is still advisable to consult with a lawyer and if done right avoid probate.

We had set down with a lawyer trying to determine how to handle the parents assets. He was pushing splitting assets between spouses and for a small fee of $15k he could make that happen. We chose to liquidate every thing and turn to cash.

The families? They show their true colors when the time comes around. Some of the stories are over the top crazy!
 

Fuelman » 28 Dec 2025, 2:53 pm » wrote: ↑

28 Dec 2025, 2:53 pm

Your OP lead off with MAR, that's the rabbit hole I chose.

Planning for Medicaid is a must for normal Americans, the elites with large trust funds let the lawyers hash that out.
It is still advisable to consult with a lawyer and if done right avoid probate.

We had set down with a lawyer trying to determine how to handle the parents assets. He was pushing splitting assets between spouses and for a small fee of $15k he could make that happen. We chose to liquidate every thing and turn to cash.

The families? They show their true colors when the time comes around. Some of the stories are over the top crazy!

They bitch if you're subsidized, "SoShULiZm!"
They bitch if the gUBmeNt TaKEs it...

*shakes head*
 

ROG62 » 28 Dec 2025, 8:24 pm » wrote: ↑

28 Dec 2025, 8:24 pm

They bitch if you're subsidized, "SoShULiZm!"
They bitch if the gUBmeNt TaKEs it...

*shakes head*

Many of us would want the same deal these wealthy parasites (> $50M net worth) have..."gubmint handouts and 0% interest loans and state sponsored subsidies for me, but don't tax me either" 

Ya dig...
 

Fuelman » 28 Dec 2025, 2:53 pm » wrote: ↑

28 Dec 2025, 2:53 pm

Your OP lead off with MAR, that's the rabbit hole I chose.

Planning for Medicaid is a must for normal Americans, the elites with large trust funds let the lawyers hash that out.
It is still advisable to consult with a lawyer and if done right avoid probate.

We had set down with a lawyer trying to determine how to handle the parents assets. He was pushing splitting assets between spouses and for a small fee of $15k he could make that happen. We chose to liquidate every thing and turn to cash.

The families? They show their true colors when the time comes around. Some of the stories are over the top crazy!

I'm actually a bit concerned that a future potential in-law has extremely malevolent intentions with regard to the "true colors" you mentioned in the last section...

I have always been not-so-great at reading people's faces, but my intuition and insight on people's TRUE NATURE is near unparalleled...and I can immediately sense when there is some kind of evil lurking behind people's smiles.

A god-given birthright...  

LowIQTrash » 28 Dec 2025, 10:42 pm » wrote: ↑

28 Dec 2025, 10:42 pm

Many of us would want the same deal these wealthy parasites (> $50M net worth) have..."gubmint handouts and 0% interest loans and state sponsored subsidies for me, but don't tax me either" 

Ya dig...

what 'handouts"?

0% interest? that's just stupid on its face...

which "subsidies?

They pay tax...

ya dig?
 

LowIQTrash » 27 Dec 2025, 10:40 am » wrote: ↑

27 Dec 2025, 10:40 am

zerohedge /political/how-structure-your-estate-so-your-heirs-avoid-financial-headache#comment-stream

 

Toys in the Attic..

A famous photographer on the Grand Canyon took the last  photo of a pioneering newlywed couple that dissapearred on their float down on their boat.

Grandson had to clean out the property after his death in the 1980's (I think).  In the canoe tethered to the cieling in the garage was a skeleton.

Everything checked out, they ID'd the bones and Grandpa was cleared.

Dem Bones, Doz Bones, Dem Dry Bonez...  

In Death..  Does Us Part?  Or is right back into eternal taxation without representation hell?
 
 
 

LowIQTrash » 28 Dec 2025, 10:44 pm » wrote: ↑

28 Dec 2025, 10:44 pm

I'm actually a bit concerned that a future potential in-law has extremely malevolent intentions with regard to the "true colors" you mentioned in the last section...

I have always been not-so-great at reading people's faces, but my intuition and insight on people's TRUE NATURE is near unparalleled...and I can immediately sense when there is some kind of evil lurking behind people's smiles.

A god-given birthright...

Definitely a red flag, she could be worth it though.

  There is always the other side of the country,  every problem has a solution.
 

ROG62 » 29 Dec 2025, 3:43 pm » wrote: ↑

29 Dec 2025, 3:43 pm

what 'handouts"?

0% interest? that's just stupid on its face...

which "subsidies?

They pay tax...

ya dig?

He's a Clairvoyant, he knows stuff everyone else has never heard of.  
 

ROG62 » 29 Dec 2025, 3:43 pm » wrote: ↑

29 Dec 2025, 3:43 pm

what 'handouts"?

0% interest? that's just stupid on its face...

which "subsidies?

They pay tax...

ya dig?

So if - no, WHEN - I provide you with a source on handouts or subsidies specific corporation(s) received with a notional value attached, will you STFU or deflect and stonewall?

Government contracts are handouts btw...they merely labeled it as such (instead of "business handouts") b/c they knew IDIOTS like you would get confused and think, "Omg, these noble corporations are providing HONEST BIDNESS SERVICES to our otherwise WASTEFUL GUBMINT."

Ya dig...