Mɔgɔkɔrɔbaw ka so kɔrɔtɔlen Medikedi gɛlɛyaw labɛnni ani furuɲɔgɔnma nafolo lakanani¶

Ni baliku kɔrɔba dɔ ye sɔgɔsɔgɔninjɛ jugu sɔrɔ, ni a kɔkili karilen don, walima ni Alzheimer bana bɛ taa ɲɛ yɔrɔnin kelen, ka bɔ dɔgɔtɔrɔso labɛnni na ka taa ladonni kuntaalajan na kudayi, dɔgɔtɔrɔso la min bɛ se ka dɔgɔtɔrɔso la (SNF), denbayaw bɛ wariko gɛlɛya sɔrɔ o yɔrɔnin bɛɛ. Kɛnɛyako asiransi sariyalen ani Ameriki Medicare Part A tɛ mɔgɔkɔrɔbaw ka so ladonni kuntaalajan sara ni seko ni dɔnko ɲɛnabɔli kuntaala surun banna (a ka ca a la tile 20 fo tile 100 kɔfɛ). O yɔrɔnin bɛɛ, mɔgɔkɔrɔbaw ka so jagokɛyɔrɔ bɛ denbaya ka sarasɛbɛn dɔ di denbaya ma, min bɛ kɛ mɔgɔ kelen-kelen bɛɛ ka sara ye, n’o ye Amerika dɔrɔmɛ 9000 fo 15000 ye kalo o kalo (walima kilo 1200 fo 1800 dɔgɔkun kɔnɔ Angletɛri jamana na), o bɛ kɛ sababu ye furuɲɔgɔnmaw ni denmisɛn balikuw sirannen don u ka fili jugu fila kɛ: ka u bolonɔ bila dondon bɛnkansɛbɛnw na minnu bɛ den baliku kɛ a yɛrɛ ka jalaki ye bangebaga ka juruw la warisɛbɛn, walima ka bangebaga ka warimarataw di a somɔgɔw ma, ka kɛɲɛ ni kalo 60 (san 5) Medikedi Lajɛ waati tiɲɛ.

I man kan ka banki fili, ka denbaya ka so feere, walima ka furuɲɔgɔn kɛnɛman kɛ faantanya ye so kɔnɔ walasa ka i ka mɔgɔ kanulen dɔ se ka Long-Term Care Institutional Medicaid sɔrɔ, hali ni banabagatɔ sigilen bɛ mɔgɔkɔrɔbaw ka so dilan kan kaban bi, k’a sɔrɔ i ma kɔn ka labɛn kɛ. Fɛdɛrali Medikedi sariya (42 U.S.C. § 1396r-5) bɛ fangatigiw sigi senkan Furuɲɔgɔnma Fantanya Lakanali minnu b'a to "Sigida Furuɲɔgɔn" furulen min sigilen bɛ so kɔnɔ, o bɛ se ka denbaya sigiyɔrɔ bɛɛ mara, mobili kelen, a yɛrɛ ka fɛnw, fo ka se 154.140$ ma furu kɔnɔ warimara jatelen kɔnɔ (Community Spouse Resource Allowance, adjusted san o san), ani ka se dɔrɔmɛ 3853,50 ma kalo o kalo sɔrɔ faralen ɲɔgɔn kan, k’a sɔrɔ a bɛ sira di ɲininikɛla furubaliw walima furuɲɔgɔnmaw ma, u ka wari tɛmɛnen caman tigɛli kɛ nafolo ye min tɛ sariya sira fɛ o yɔrɔ la. Nin gafe in bɛ fɛɛrɛ kɔrɔtɔlenw di walasa ka mɔgɔkɔrɔbaw ka so wariko degun min tɛ sariya kɔnɔ, o dabila, ka i yɛrɛ tanga kɔfɛla filɛli jalakiw ma, ani ka Medikedi musaka dɔgɔyali kɔrɔtɔlen dɔ kɛ.

Aw bɛ o kɛ sisan¶

1. I kana i bolonɔ bila abada mɔgɔkɔrɔbaw ka so doncogo bɛnkansɛbɛn na i yɛrɛ tɔgɔ la walima i yɛrɛ ka "Nafolo Garanti" ye. Ni bangebaga dɔ bɛ ka furakɛli kɔrɔtɔlen dɔ sɔrɔ yɔrɔko sɔsɔli waati la, i ka sigida kɔrɔtɔko nimɔrɔ wele (911 Ameriki ni Kanada jamanaw na, . 112 Erɔpu tɔnba kɔnɔ, . 999 Angletɛri jamana na) walima ka an ka kɔrɔtɔko nimɔrɔw ɲɛbilasɛbɛn. Fɛdɛrali ka Nursing Home Reform Act (42 U.S.C. § 1396r©(5)(A)(ii)) kɔnɔ, yɔrɔ dɔ dagalen don kosɛbɛ ka a ɲini den baliku walima mɔgɔ sabanan fɛ a yɛrɛ ka wari sarali garanti i n’a fɔ doncogo sarati bolonɔ bila kosɛbɛ i n'a fɔ "Agent under Power of Attorney for [Parent's Name], ni mɔgɔ yɛrɛ ka wariko jalaki tɛ."
2. AW KA DƆGƆ teliya la sani aw ka nilifɛn di, ka a bila, walima ka den tɔgɔ fara banki jatebɔsɛbɛn kan, so sɛbɛn, walima mobili tɔgɔ kan. Ni aw ye wari di walima ka nafolo feere min nafa ka dɔgɔ ni sugu nafa ye kalo 60 kɔnɔ (san 5) sani aw ka Nursing Home Medicaid ɲini (kalo 30 Kalifɔrni, a bɛ ban dɔɔnin dɔɔnin) o bɛ Medicaid Transfer Penalty Period jugu dɔ lawuli, ka o to mɔgɔkɔrɔba ni wari zeru ani Medikedi ka dɛmɛ zeru kalo walima san caman kɔnɔ.
3. Aw kana denbaya ka so feere abada walima ka lakɔlibila jatew bɔ wari la walasa ka mɔgɔkɔrɔbaw ka so sara sani aw ka taa maakɔrɔw ka sariya lafasalikɛla walima SHIP ladilikɛla dɔ fɛ. Furuɲɔgɔnma furuɲɔgɔnma dɔ fɛ (walima mɔgɔkɔrɔba kelen min bɛ "Intent to Return Home" sɛbɛn bolonɔbilalen dɔ di fo ka se jamana ka bolomafara hakɛ ma min bɛ se dɔrɔmɛ 713.000 ma ka se dɔrɔmɛ 1.071.000+ ma), yɔrɔ fɔlɔ ye EXEMPT ye nafolo ka ɲɛsin Medikedi ka se sɔrɔli ma, k’a sɔrɔ so feereli bɛ so min bila ka bɔ kaso la, o bɛ fɛn caman tigɛli kɛ wari jatelen ye, mɔgɔkɔrɔbaw ka so bɛna min minɛ.
4. A ɲini ka "Resource Assessment / Snapshot Date" jatebɔ sɛbɛn kɛ ni mɔgɔkɔrɔbaw ka so sigibaga furula. Fɛderasiyɔn ka Furuɲɔgɔn Faantan sariyaw kɔnɔ, furuɲɔgɔn kɛnɛman min sigilen bɛ so (Sigida furuɲɔgɔn) bɛ se ka Sigida furuɲɔgɔnma nafolo dɛmɛni (CSRA) ani Kalo o kalo ladonni magow lakananen mara sariya siratigɛ la Allowance (MMMNA) o la u kana to dɛsɛbagatɔw la abada.
5. Aw bɛ "Nafolo jatebɔlenw" sɛmɛntiya ka kɛ "Nafolo minnu tɛ bɔ" la sariya siratigɛ la ni aw mago bɛ musaka dɔgɔyali la joona sanni kalolabɔ kalo ka ban. Sanni aw ka warimara tɛmɛnenw di mɔgɔkɔrɔbaw ka so ma walima k'a di sariya siratigɛ la, ɲininikɛlaw bɛ se ka wari jatelen musaka kɛ sariya siratigɛ la sanni minnu nafa tɛ bɔ a la: ka so juru sara walima ka musaka bɔlen sara denbaya ka so, ka Irrevocable Pre-Paid Funeral and Burial Trust san, ka ɲinw ladonni magoɲɛfɛnw san, ɲɛkisɛw, walima wotoronin, walima ka furuɲɔgɔnma ka sankɔrɔta sɛbɛn dɔ kɛ min bɛ bɛn Medikedi ma.
6. I ka "Medicaid Pending" ɲinini sɛbɛn di ani ka i ka josariyaw jira ka ɲɛsin mɔgɔ gɛnni ma ka a sɔrɔ jamana bɛ ka dosiye in baara. Fɛderasiyɔn ka mɔgɔkɔrɔbaw ka so bɔli sariyaw kɔnɔ (aw ye an ka gafe lajɛ min bɛ kuma mɔgɔkɔrɔbaw ka so tɔɲɔli, dɛsɛ, ani mɔgɔw gɛnni lafasali), dɔgɔtɔrɔso min ka lakɔliso sɛbɛn dira Medikedi fɛ, o tɛ se ka duguden gɛn ka bɔ yen, k’a sababu kɛ a ma sara, k’a sɔrɔ Medikedi ka ladonni kuntaalajan ɲinini sɛbɛn min dira, o bɛ ka labɛn kosɛbɛ jamana ka baarakɛda fɛ.

flowchart TD
    A["Mɔgɔkɔrɔba bɛ mɔgɔkɔrɔbaw ka so ladonni kudayi de wajibiya (Medicare Rehab Ending) ."] --> B{"Yala mɔgɔkɔrɔbaw ka so kɔnɔmɔgɔ furulen don walima a furubali/muso cɛ salen don wa?"}
    B -->|"Furulen (Furuɲɔgɔn kelen sigilen bɛ so kɔnɔ) ."| C["Aw ye Fɛderasiyɔn ka furuɲɔgɔnmaw ka faantanya sariyaw wele (42 USC 1396r-5) ."]
    B -->|"Furubali, furucɛ ni furumuso ka furu salen walima muso cɛ salen"| D["Audit Countable vs. Exempt Assets Against $2000 Mɔgɔ kelen-kelen bɛɛ ka dan (A ka ca CA/NY kɔnɔ)"]
    C --> E["So, Mobili 1, ani Fo ka se $154,140 ma CSRA lakananen don sigida furuɲɔgɔnma + sɔrɔ jiginni kama (MMMNA)"]
    D --> F["Aw ye sigiyɔrɔ fɔlɔ lakana ‘Laɲini ka segin so’ walima Den ladonbaga ka bɔli fɛ"]
    E --> G{"Yala nafolo jatelen tɔ minnu bɛ se ka jate, olu bɛ jamana dancɛ sanfɛ hali bi wa?"}
    F --> G
    G -->|"Ɔwɔ: Wari min bɛ se ka jate ka tɛmɛ"| H["Sani kalo laban ka se ka sariya gɛlɛya musakaw kɛ (aw kana nilifɛnw di abada san 5 lajɛ kɔfɛ)"]
    G -->|"Ayi: Nafolo Danyɔrɔ kɔnɔ"| I["Kalo sɔrɔta lajɛ ka kɛɲɛ ni jamana ka ‘Sɔrɔko dantigɛli ye’ (Aw bɛ baara kɛ ni Sɔrɔ setigi / Miller Trust ye ni a mago bɛ a la)"]
    H --> I
    I --> J["Ladonni kuntaalajan Medikedi ɲinini sɛbɛn (Trigger ‘Medicaid Pending’ Eviction Protection)"]

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Mun na Medicare bɛ wari sarali dabila tile 20 fo tile 100 kɔfɛ (Skilled vs. Custodial Care) .¶

Nafolo gɛlɛya min ka teli ka kɛ kɔrɔya la, o bɛ kɛ Tile 20nan na ka se tile 35nan lamini na dɔgɔtɔrɔso kɔfɛ sigili la Sɔgɔsɔgɔninjɛ seko ni dɔnko yɔrɔ la (SNF). Denbayaw bɛ mɛn dɔgɔtɔrɔso la ko "Medicare bɛ tile 100 sara mɔgɔkɔrɔbaw ka so kɛnɛyali la," dɔrɔn ka Notice of Medicare Non-Coverage (Form CMS-10123) sɔrɔ dɔgɔkun saba o kɔfɛ min b'a jira ko Medicare ka furakɛli bɛ ban sanga 48 kɔnɔ ani ko denbaya ka kan ka dɔrɔmɛ 400 fo 500 sara tile kɔnɔ k'a daminɛ alamisadon na.

Sariya siratigɛ la, Medicare Part A ni Long-Term Care Medicaid cɛ, o faamuyali ye gɛlɛyaw labɛnni jusigilan ye:

• Medicare Part A (Short-Term Skilled Rehabilitation ONLY): Ka tugu dɔgɔtɔrɔso la su tilancɛ 3 kɔnɔ min bɛ se ka kɛ, Traditional Medicare Part A bɛ Tile 1 ka se tile 20 ma kɛmɛsarada la 100 sara, ani ka don o don co-assurance sara min ye dɔrɔmɛ 204 ye tile kɔnɔ (a bɛ ladilan san o san) tile 21 fo 100 (a ka c’a la, Medigap ka sariya dɔ bɛ a dafa), Ni banabagatɔ mago bɛ don o don "Ladonni seko ni dɔnko la" (i n’a fɔ don o don Farikoloɲɛnajɛ, Baarakɛcogo, Kuma furakɛli, walima IV/joginda furakɛli min ka gɛlɛn). Banabagatɔ ka taama-taama bɛ kɛ don tigitigi min na walima u bɛ "Custodial Care" dɔrɔn de wajibiya (dɛmɛ ni ko, finidon, ɲɛgɛnw, dumuni, ani hakiliɲagami kɔlɔsili ye), Medicare Part A bɛ $0 sara, hali ni banabagatɔ ye baara kɛ ni u ka tile 100 la 18 dɔrɔn ye. (Ni aw dalen b’a la ko rehab bɛ tigɛ ka kɔn a waati ɲɛ k’a sɔrɔ mɔgɔkɔrɔba bɛ se ka ɲɛtaa sɔrɔ hali bi, aw bɛ QIO appeal kɛ teliya la ni an ka... dɔgɔtɔrɔso lakananen tɛ walima rehab bɔli appeal guide.)
• Ladonni kuntaalajan Institutional Medicaid (Permanent Custodial + Skilled Care): Ni mɔgɔkɔrɔba dɔ mago bɛ ladonni banbali la sanga 24 kɔnɔ mɔgɔkɔrɔbaw ka so kɔnɔ, ani ni a tɛ ni mɔgɔ kelen ka Ladonni kuntaalajan Asiransi ye, Medicaid ye foroba porogaramu fɔlɔ ye Ameriki jamana na min bɛ dɔrɔmɛ 10.000 sara kalo o kalo mɔgɔkɔrɔbaw ka so wari sara waati dafabali la duguden ka ɲɛnamaya tɔ, ni wariko ni kɛnɛyaso ("Nursing Facility Level of Care") seko sariyaw dafara.

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Countable vs. Exempt Assets: Medicaid b’a to i ka min mara¶

Walasa ka se ka Long-Term Care Institutional Medicaid sɔrɔ U.S. jamana fanba la, mɔgɔkɔrɔbaw ka so ɲinibaga ka "Countable Assets" (nafolo minnu tɛ bɔ a la) ka kan ka kɛ 2000 dɔrɔmɛ duguma kalo laban na (kɔlɔsili: Kalifɔrni ye nafolo dan bɔ pewu kabini san 2024, ani New York ye o tigi kɔrɔta nafolo dan ye dɔrɔmɛ 31 175 ni kɔ ye).

Nka, Medicaid tɛ **i ka fɛn bɛɛ jate i bolo ka taa o dɔrɔmɛ 2000 dan na. Fɛdɛrali ni jamana ka Medikedi sariyaw bɛ nafolo bɛɛ tila Nafolo minnu tɛ jate (Non-Countable) ye, i bɛ se ka minnu mara hɔrɔnya la, ani Nafolo minnu bɛ se ka jate minnu ka kan ka lakana walima ka musaka kɛ ka dɔgɔya.

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Fɛdɛrali Furuɲɔgɔnma Fantanya Lakanali (ni furuɲɔgɔn kelen tora so) .¶

Sani Kongresi ka Medicare Catastrophic Coverage Act of 1988 (42 U.S.C. § 1396r-5) sigi senkan, ni cɛ dɔ donna mɔgɔkɔrɔbaw ka so kɔnɔ, furuɲɔgɔnma fila ninnu tun ka kan k’u ka ɲɛnamaya bolomafara bɛɛ kɛ ka jigin fo dɔrɔmɛ 2000 sanni Medikedi ka dɛmɛ don, ka muso kɛnɛman to so kɔnɔ faantanya kɔnɔ. Bi, fédéral ka Furuɲɔgɔnma faantanya sariya bɛ furuɲɔgɔnma tila ka kɛ Furuɲɔgɔnma min bɛ sigida la (min bɛ mɔgɔkɔrɔbaw ka so kɔnɔ) ani Jɛkulu furuɲɔgɔnma (min sigilen bɛ so kɔnɔ walima a yɛrɛmahɔrɔnya la) ani ka nafolo ni kalo sɔrɔ fila bɛɛ lakana furuɲɔgɔnma ye so kɔnɔ.

1. Furu kɔnɔ bolomafaraw lakanani: Sigida furuɲɔgɔnma nafolomafɛnw dɛmɛni (CSRA) .¶

Fɛdɛrali sariya kɔnɔ, Medikedi bɛ furuɲɔgɔnma kelen-kelen bɛɛ ka nafolo jatebɔlenw bɛɛ lajɛlen lajɛ (a mana kɛ min tɔgɔ bɛ banki jatebɔsɛbɛn kɔnɔ walima n’u ye bɛnkansɛbɛn dɔ bolonɔ bila furuɲɔgɔnya ɲɛfɛ) ani a bɛ sira di Sigida furuɲɔgɔn ma ka niyɔrɔ lakananen dɔ mara min bɛ wele ko Community Spouse Resource Allowance (CSRA):

• CSRA maksimali (2024/2025 Fɛderasiyɔn ka sariyasun): Fo ka se 154.140 dɔrɔmɛ (a bɛ ladilan san fɛ Zanwuyekalo o zanwuyekalo la ka kɛɲɛ ni waribonbonni ye) jimafɛnw marali jate la, PLUS denbaya ka so min ma bɔ, mobili kelen, ani sudonw saralen ka kɔn, k’a sɔrɔ Furuɲɔgɔnma min bɛ sigida la bɛ dɔrɔmɛ 2000 wɛrɛ mara.
• "100% CSRA jamanaw hakɛ maksimali" ni "50% Snapshot jamanaw":
  • Jamana 100% kɔnɔ (i n’a fɔ Floride, Teksas, Niyɔriki, Pennsylvanie, Georgie, ani Koloradugu), Sigida Furuɲɔgɔn bɛ furuɲɔgɔnma fila ninnu ka nafolo jate kɛmɛsarada la 100 mara a yɛrɛma fo ka se dɔrɔmɛ 154.140 ma**.
  • 50% Snapshot States kɔnɔ (i n’a fɔ Ohio, New Jersey, North Carolina, Virginia, ani Indiana), Sigida Furuɲɔgɔn bɛ furuɲɔgɔnmaw ka nafolo jatebɔlen bɛɛ lajɛlen tilancɛ kelen (50%) mara** i n’a fɔ a suman cogo min na "Snapshot Date" (kɔrɔlen ka tile 30 dɔgɔtɔrɔso/dɔgɔtɔrɔso ladonni fɔlɔ min bɛ to senna tile fɔlɔ), ni fédéral Minimum CSRA dugumalan garanti ye ka dɔrɔmɛ 30.828 ani A dancɛ hakɛ cayalenba ye dɔrɔmɛ 154.140 ye.

2. Kalo sɔrɔ lakanani: Kalo ladonni magow hakɛ fitinin (MMMNA) .¶

Fɛdɛrali sariya bɛ sariya fila sirataama minnu tɛ kelen ye pewu Kalo sɔrɔ (Lakanali Sosiali ka sɛgɛsɛgɛliw, pensions, annuités) furuɲɔgɔnmaw ye:

1. "Tɔgɔ min bɛ sɛki kan" sariya min bɛ sigida furuɲɔgɔnma yɛrɛ ka sɔrɔ kan: Kalo o kalo Lakanali Sosiali walima penisiyɔn sɛgɛsɛgɛli fɛn o fɛn bɛ sara Jɛkulu furuɲɔgɔn yɛrɛ tɔgɔ kɔnɔ, o ye Kɛmɛsarada la 100 sigida furuɲɔgɔn ta ye. Furuɲɔgɔn kɛnɛman yɛrɛ ka penisiyɔn walima Lakanali Sosiali ka sɛgɛsɛgɛli mana bonya cogo o cogo, Medikedi tɛ se ka maga Sigida Furuɲɔgɔn yɛrɛ ka kalo sɔrɔta warijɛ kelen na walasa ka Furuɲɔgɔn min sigilen don sigida la, o ka mɔgɔkɔrɔbaw ka so ladonni sara.
2. Sɔrɔ jiginni ka bɔ mɔgɔkɔrɔbaw ka so furuɲɔgɔn na ka taa sigida furuɲɔgɔn na (MMMNA): A ka c’a la, mɔgɔkɔrɔbaw ka so min sigilen bɛ Medikedi kan, o ka kan k’a yɛrɛ ka kalo o kalo Lakanali Sosiali ni pansiyɔn sɛgɛsɛgɛli fanba sara ka taa a ka mɔgɔkɔrɔbaw ka so wari sarata la ("Banabagatɔ ka jalaki / musaka tilayɔrɔ"), ka Mɔgɔ yɛrɛ magow dɛmɛni (PNA) fitinin dɔrɔn mara min bɛ se dɔrɔmɛ 50 fo 130 ma kalo o kalo. NKA, ni Sigida Furuɲɔgɔn kɛnɛman minnu bɛ so, olu ka kalo sɔrɔ dɔgɔyalen don u yɛrɛ la, jamana ka Kalo o kalo ladonni magoɲɛfɛnw dɛmɛni (MMMNA) jukɔrɔ, min bɛ daminɛ dɔrɔmɛ 2555 na ka se dɔrɔmɛ 3853,50 ma kalo o kalo, Medikedi bɛ sira di Furuɲɔgɔnma Institutionnel ma ka yɔrɔ dɔ wuli k’a bila yɔrɔ wɛrɛ la (walima u bɛɛ) u ka kalo o kalo Lakanali Sosiali ni penisiyɔn sɛgɛsɛgɛli ka ɲɛsin Sigida Furuɲɔgɔn ma kalo o kalo walasa furuɲɔgɔn min bɛ so kɔnɔ, o ka se MMMNA ka sɔrɔyɔrɔ la min bɛ se ka sigi.

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Kalo 60 (San 5) Lajɛ waati ani cogo min na i bɛ se ka i yɛrɛ tanga fɛnw jiginni jalakiw ma¶

Ni denbaya dɔ y’a ye ko bangebaga kelen ka warimarasɛbɛn kɔnɔ dɔrɔmɛ 80.000 bɛ a bolo, wa a ka kan ka kɛ dɔrɔmɛ 2000 jukɔrɔ Medikedi la, u ka hakilina fɔlɔ ye tuma caman na: "An ka dɔrɔmɛ 78.000 sɛkɛsɛkɛli sɛbɛn denmisɛnw ma bi, walima ka Mama ka so feere a denkɛ ma dɔrɔmɛ 1 na, ka sɔrɔ ka Medikedi ɲini sini."

Medicaid Transfer Penalty Divisor bɛ baara kɛ cogo min na (ani mun na a ye jaan ye) .¶

Ni Medikedi y’a ye ko i ba ye dɔrɔmɛ 70.000 di a denw ma a san saba ye nin ye, Medikedi tɛ wari ɲini denmisɛnw fɛ ni bonya ye; o nɔ na, ​​Medikedi bɛ Jalaki waati min tɛ se ka kɛ jate, a kɛtɔ ka nilifɛn hakɛ tila jamana ka kalo o kalo Jalakiw tilabaga ye (i ka jamana kɔnɔ mɔgɔkɔrɔbaw ka so musaka cɛmancɛ kalo o kalo, misali la, dɔrɔmɛ 10.000):

Min ka jugu ni o bɛɛ ye, o ye ko Deficit Reduction Act kɔnɔ, o kalo 7 jalaki waati TƐ daminɛ ka tigɛli kɛ fo don min na i ba bɛ (1) sigi mɔgɔkɔrɔbaw ka so, (2) n’o tɛ, a karilen don (dɔrɔmɛ 2000 jukɔrɔ), ANI (3) ka Medikedi sɛbɛn di. Ni denmisɛnw ye dɔrɔmɛ 70.000 musaka kɛ kaban a san saba ye nin ye, ba sirilen bɛ o don na sisan mɔgɔkɔrɔbaw ka so ni wari zeru tɛ ani kalo 7 dɔrɔmɛ 10000 kalo o kalo wari sarabali.

(Gɛlɛya furakɛli ni nilifɛn dɔ kɛra kaban: Ni nilifɛn wari bɛ denmisɛn baliku dɔ bolo hali bi, ka nilifɛn wari kɛmɛsarada la segin bangebaga ka banki jatebɔsɛbɛn kɔnɔ o bɛ wari bilali jalaki "fura" pewu o la, o kɔfɛ, a bɛ se ka musaka kɛ ka jigin sariya siratigɛ la fɛnw kan minnu ma bɔ, walima maakɔrɔw ka sariya avoka bɛ se ka "Gift and Medicaid-Compliant Annuity / Layidu talen" fura.)

Sariyasen naani danfara yɔrɔ minnu na so walima wari jiginni bɛ kɛ sababu ye ka ZERO jalaki¶

Fɛdɛrali sariya (42 U.S.C. § 1396p©(2)) b’a to mɔgɔkɔrɔbaw ka so ɲinibaga bɛ se k’a ka sigiyɔrɔ fɔlɔ walima a ka nafolo di denbaya kɔnɔmɔgɔ suguya naani kɛrɛnkɛrɛnnenw ma hali don min na sani a ka Medikedi ɲini ni san 5 kɔfɛlajɛ jalaki zeru ye:

1. Jɛkulu bilali furuɲɔgɔnma ma: Nafolo o nafolo walima so sɛbɛn cili dan tɛ furuɲɔgɔnmaw ni ɲɔgɔn cɛ, o tɛ jalaki kɛmɛsarada la.
2. Ka taa Denmisɛn fiyentɔ walima fiyentɔya banbali la (a si hakɛ o san): Bangebagaw bɛ se ka nafolo walima so di den ma min bɛ Sekirite Sosial ka ɲɛfɔli dafa fiyentɔya walima fiyentɔya banbali kan (walima ka don Sole Benefit Disability Trust / Special Needs Trust kɔnɔ min ye fiyentɔ ye min si tɛ san 65 bɔ) ni jalaki zeru ye ka segin kɔ.
3. The "Caregiver Child Exemption" (Denbaya ka so jiginni): Bangebagaw bɛ se k’a ka denbaya ka so fɔlɔ sɛbɛn kɛmɛsarada la 100 fu ani jɛlen (a tɛ bɔ san 5 kɔfɛlajɛ fila bɛɛ la ANI Medicaid Estate Recovery nata la) ka di denkɛ walima denmuso baliku ma min:
   • A sigilen bɛ bangebaga ka so kɔnɔ ka taa a fɛ fo a dɔgɔyalenba la san fila (2) dafalen na joona ka kɔn bangebaga ka don mɔgɔkɔrɔbaw ka so kɔnɔ, ANI
   • Don o don ladonni sɛbɛnnen di (min sɛgɛsɛgɛra dɔgɔtɔrɔ ka bataki fɛ ani ladonni sɛbɛnw fɛ) min ye bangebaga bila kɔfɛ ka taa a fɛ ka don mɔgɔkɔrɔbaw ka so la o san fila kɔnɔ.
4. "Sibling with Equity Interest" Exemption: Ka so di balimakɛ walima balimamuso dɔ ma min ka equity ownership interest bɛ so kɔnɔ kaban, wa a sigilen bɛ yen san kelen (1) la dɔgɔmannin o yɔrɔnin bɛɛ sanni mɔgɔkɔrɔba ka don mɔgɔkɔrɔbaw ka so kɔnɔ.

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Sariya gɛlɛya musaka-jigin sɛgɛsɛgɛli sɛbɛn: wari jatebɔlen dɔgɔya cogo min na tile 30 kɔnɔ¶

Ni i bangebaga walima i furuɲɔgɔn bɛ mɔgɔkɔrɔbaw ka so bi ni dɔrɔmɛ 20.000 fo 150.000 ye banki bolomafara jate la ka tɛmɛ Medikedi ka nafolo dan kan, i man kan k’o wari bɛɛ di mɔgɔkɔrɔbaw ka so ma. Medikedi ka setigiya bɛ dɔn banki ka balansi ja la kalo kalandriya don laban na (walima ɲinini don). I bɛ se ka wari tɛmɛnen musaka kɛ ka jigin fo dɔrɔmɛ 2000 hakɛ la ka kɔn su tilancɛ ɲɛ kalo don laban na ni i ye fɛnw ni baarakɛminɛnw san ka kɛɲɛ ni sugu nafa tilennen ye ɲininikɛla walima u furuɲɔgɔn nafa kama:

• Ka juruw ni so juruw sara so min ma bɔ kaso la: Ka so juru sara walima ka a sara, ka so juru sara walima ka a sara, ka so juru sara, ka so juru sara (HELOC), ka nafolo taji kɔfɛ, walima ka karti juru sara.
• Aw ka kapitali dilan ani ka doncogo sɛmɛntiya sigiyɔrɔ fɔlɔ la min ma bɔ a la: Aw bɛ so kɔrɔlen dɔ falen, ka HVAC foro kura sigi, ka sanuyaso labɛn kokura ni dusu ye min bɛ se ka wuli, ka wotoroninw bilayɔrɔ sigi, ka finɛtiriw falen, walima ka dumunikɛyɔrɔ minɛn kura san Sigida Furuɲɔgɔn ka so kama.
• Aw ka sudon ni sudon bolodalen san min tɛ se ka wuli ka kɔn: Aw ye taa sudon so dɔ la min ka lakɔliso sɛbɛn bɛ a bolo, ka dɔrɔmɛ 10.000 fo 15.000 caman tigɛli kɛ furuɲɔgɔn kelen-kelen bɛɛ bolo ka kɛ Sudonko tɔnba ye min tɛ se ka wuli ka bɔ a nɔ na, sudon yɔrɔ, kaburu, ani kunkolo kabakurun.
• Denbaya ka mobili min ma bɔ a la, o sɛmɛntiya walima k’a falen: I ka jago kɛ mobili kɔrɔ dɔ la (walima mobili kɔrɔ fila) ani ka mobili kura walima mɔbili kɔfɛta kelen san min bɛ se ka da a kan (walima wotoronin min bɛ se ka don wotoronin kɔnɔ) min tɔgɔ ye ko ɲininikɛla walima Sigida Furuɲɔgɔn tɔgɔ.
• Aw bɛ furakɛli, ɲinw, mɛnni, ani dususalo fɛnw san minnu ma datugu mɔgɔkɔrɔba ye: Aw bɛ ɲinw walima ɲinw doncogo fɛnw san minnu bɛ kɛ ka kɛɲɛ ni aw sago ye, ɲɛkisɛw san minnu sɛbɛnnen don ni dɔgɔtɔrɔ ye, mɛnnikɛminɛnw nizɛri, wotorosigilan min dilannen don ni motɛri ye walima min bɛ se ka wuli yɔrɔ la, wotoronin min bɛ se ka wuli ka kɛɲɛ ni u yɛrɛ sago ye, u ka mɔgɔkɔrɔbaw ka so kɔnɔ, ɔridinatɛri tablɛti, ani fini minnu bɛ se ka ladamu, n’u tɔgɔ sɛbɛnnen bɛ u ka finidoncogo dafalen na.
• Ka Medicaid-Compliant Single Premium Immediate Annuity (SPIA) kɛ (Makɔrɔw ka sariya lafasalikɛla dɔ sababu fɛ): 42 U.S.C. § 1396p©(1)(F)-(G), jamana fanba la, Sigida Furuɲɔgɔn furulen (walima ɲininikɛla kelen min bɛ baara kɛ ni buru tilancɛ fɛɛrɛ ye) bɛ se ka dɔrɔmɛ ba kɛmɛ caman caman wuli ka tɛmɛ warijɛ jatebɔlen kan ka kɛ Medicaid-Compliant Immediate Annuity lakananen ye min bɛ jateden kelen kɛ kalo sɔrɔta lakananen ye ka kɛ kalo sɔrɔta ye min bɛ se ka jate furuɲɔgɔn kɛnɛman, ni san o san wari tɛ se ka wuli, ni a tɛ se ka di, ni a kɛra cogo bɛnnen na, a bɛ sara kalo o kalo, a bɛ wari sara kalo o kalo, ani ka jamana ka Medikedi baarada tɔgɔ fɔ ko a ye nafa sɔrɔbaga tɔ ye fo ka se nafa saralenw ma.

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"Sɔrɔko hakɛ" gɛlɛya ɲɛnabɔli (Sɔrɔko tɔnba minnu bɛ se ka kɛ / Miller Trusts) .¶

U.S. jamana tilancɛ ɲɔgɔn (Florida, Texas, Ohio, New Jersey, Arizona, Colorado, Indiana, ani Georgia fana sen bɛ o la) bɛ jate "Income Cap States." Income Cap State kɔnɔ, ni mɔgɔkɔrɔbaw ka so ɲinibaga yɛrɛ ka kalo sɔrɔ bɛɛ lajɛlen (Social Security + pension before deductions) tɛmɛna 2,829 dɔrɔmɛ kan kalo o kalo (kɛmɛsarada la 300 ka bɔ fédéral SSI hakɛ la, ladilanna san o san) hali ni dɔrɔmɛ 1, hali ni mɔgɔkɔrɔbaw ka so musaka ye dɔrɔmɛ 10.000 ye kalo o kalo, jamana ka ɔridinatɛri bɛna ban Medikedi sɔrɔli la a yɛrɛma fo n’i ye banki jatebɔsɛbɛn nɔgɔman dɔ da wuli min bɛ wele ko Qualified Income Trust (QIT) / Miller Trust.

flowchart TD
    A["Aw ye mɔgɔkɔrɔbaw ka so ɲinibaga ka kalo sɔrɔ bɛɛ lajɛlen lajɛ (Lakanali Sosiali + Pension) ."] --> B{"Yala i sigilen bɛ ‘Sɔrɔko dantigɛli jamana’ kɔnɔ ani yala sɔrɔ bɛɛ bɛ tɛmɛ $2,829 kan/kalo wa?"}
    B -->|"Ayi: Below Cap walima ‘Dɔgɔtɔrɔso magoɲɛbagaw ka musaka-dɔgɔtɔrɔso’."| C["No Miller Trust Needed: Sɔrɔ min bɛ tali kɛ banabagatɔ ka musaka tilayɔrɔ la / Furuɲɔgɔn MMMNA"]
    B -->|"Ɔwɔ: Ka tɛmɛ $2,829/kalo kan sɔrɔko dantigɛli jamana kɔnɔ"| D["Aw ye sɔrɔko tɔnba dɔ (QIT / Miller Trust) sɛbɛn dɔ kɛ"]
    D --> E["Aw ye jatebɔsɛbɛn dɔ da wuli min tɔgɔ ye ko QIT tɔgɔ la"]
    E --> F["Deposit Applicant ka kalo sɔrɔ min tɛmɛna Cap kan ka don QIT Jate kɔnɔ kalo o kalo"]
    F --> G["Aw bɛ mɔgɔkɔrɔbaw ka so ni musaka ni furuɲɔgɔn MMMNA sara ka bɔ QIT jatebɔsɛbɛn kɔnɔ kalo o kalo"]

• Miller Trust bɛ baara kɛ cogo min na: A yamaruyara jamana fanga ka sariya fɛ (42 U.S.C. § 1396p(d)(4)(B)), Qualified Income Trust (QIT) ye dannaya sɛbɛn nɔgɔman ye min ɲɛ 4 ye, mɔgɔkɔrɔba walima u ka Lasigiden ye bolonɔ bila min na Power of Attorney kɔnɔ. I bɛ taa ni QIT sɛbɛn bolonɔbilalen ye banki o banki la, ka jatebɔsɛbɛn dɔ da wuli min tɔgɔ ye ko "The [Parent's Name] Qualified Income Trust," ani ka mɔgɔkɔrɔba ka kalo penisiyɔn walima Lakanali Sosiali wari bila o QIT jatebɔsɛbɛn kɔnɔ kalo kelen o kalo sanni i ka mɔgɔkɔrɔbaw ka so ka musaka hakɛ sara. Dɔrɔmɛ kelen-kelen bɛɛ min bɛ bila Miller Trust kɔnɔ, sariya siratigɛ la, a tɛ don dɔrɔmɛ 2829 sɔrɔta hakɛ la, o bɛ teliya ka Nursing Home Medicaid seko dafalen da wuli.

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Denbaya ka so lakanani ka bɔ saya kɔfɛ "Medicaid Estate Recovery" (MERP) .¶

Hali ni denbaya ka sigiyɔrɔ fɔlɔ bɔra ka a sɔrɔ mɔgɔkɔrɔba bɛ balo la, jamana fanga ka sariya (42 U.S.C. § 1396p(b)) b’a ɲini jamana bɛɛ fɛ u ka Medicaid Estate Recovery Program (MERP) baara min bɛ ɲinini kɛ Medicaid sɔrɔbaga salen ka probate estate kan saya kɔfɛ walasa ka mɔgɔkɔrɔbaw ka so wari saralenw sɔrɔ u kan tɔgɔ la.

Aw ye aw ka denbaya ka so lakana ka bɔ saya kɔfɛ Estate Recovery la ni nin sariya kalata ninnu ye:

1. Sariyasen dafalen minnu bɛ Estate Recovery kɛlɛ: Fɛdɛrali sariya bɛ Medicaid Estate Recovery bali kosɛbɛ k’a sɔrɔ nin somɔgɔw do kelen bɛ balo la:
   • furuɲɔgɔn min bɛ balo la (u sigilen bɛ yɔrɔ o yɔrɔ);
   • denmisɛn min si tɛ san 21 bɔ; walima
   • Denmisɛn fiyentɔ walima min ye fiyentɔ ye kudayi, a si hakɛ o si hakɛ bɛ a la.
2. Aw bɛ baara kɛ ni "Lady Bird Deed" (Enhanced Life Estate Deed) walima "Transfer on Death (TOD) Deed" ye jamanaw kɔnɔ minnu bɛ dan sigi kɛnɛyako la ka se Probate ma: Jamana caman na (i n’a fɔ Floride, Texas, Michigan, ani dɔwɛrɛw), Medicaid Estate Recovery bɛ se ka nafolo ɲini dɔrɔn min bɛ tɛmɛ kiiritigɛso ka probate fɛ. Ni i ye Enhanced Life Estate Deed (Lady Bird Deed) sɛbɛn k’a sɔrɔ mɔgɔkɔrɔba bɛ se sariya sira fɛ (walima ka tɛmɛn Power of Attorney fɛ min bɛ nilifɛn/daŋaniya fanga di k’a jɛya) o bɛ kɛmɛsarada la 100 mara mɔgɔkɔrɔba ka ɲɛnamaya bɛɛ kɔnɔ (o bɛ kɛ sababu ye ka zero 5-year look-back penalty kɛ a ka ɲɛnamaya kɔnɔ), wa a bɛ so bila a yɛrɛma ka bɔ probate kɔfɛ, k’a tanga a ma probate estate sɔrɔli.
3. Duniɲa kɔnɔ fɛnw (UK Local Authority Care Cap, Deferred Payment Agreements, ani NHS Continuing Healthcare):
   • Royaume-Uni kɔnɔ, sigida lajɛba ka sigida ladonni kɔrɔ ye kɔrɔbɔli ye (sisan min bɛ senna ka tɛmɛ 23.250 pounds kan Angilɛ jamana na) a bɛ denbaya ka so nafa jate pewu ni furuɲɔgɔn, siwili jɛɲɔgɔn, walima a somɔgɔ min si bɛ san 60 la walima ka tɛmɛ o kan (walima sebali) tora ka sigi o yɔrɔ la.
   • Sani aw ka warijɛ kelen sara Angletɛri mɔgɔkɔrɔbaw ka so, aw bɛ jateminɛ kɛ tuma bɛɛ ka ɲɛsin fɛn caman ma NHS Continuing Healthcare (NHS CHC) la: ni mɔgɔkɔrɔba bɛ ni "kɛnɛya mago fɔlɔ" ye (dɔgɔtɔrɔso mago gɛlɛnw, gɛlɛnw, minnu tɛ se ka fɔ ka ɲɛ), NHS ka kan ka mɔgɔkɔrɔbaw ka so ni sigiyɔrɔ sara bɛɛ kɛmɛsarada la 100 sara ni wariko sɛgɛsɛgɛli zeru ye, a mana kɛ cogo o cogo wari walima nafolo hakɛ min bɛ mɔgɔkɔrɔba bolo.

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Ɲininkali minnu bɛ kɛ tuma caman na¶

Yala mɔgɔkɔrɔbaw ka so bɛ se ka ne (den baliku) sendon n yɛrɛ la, n bangebaga ka wari sarabali kosɔn wa?¶

Ni i ma i bolonɔ bila abada donna bɛnkansɛbɛn na i n’a fɔ i yɛrɛ ka wariko garanti ani i ma i bangebaga yɛrɛ ka wari walima Lakanali Sosiali ka sɛkɛsɛkɛliw sonya, k’u dogo, walima k’u mara abada, a ka c’a la, mɔgɔkɔrɔbaw ka so tɛ se k’i yɛrɛ jalaki i bangebaga ka waribɔ la ka kɛɲɛ ni jamana sariya ye (42 U.S.C. § 1396r(c)(5)(A)(ii)). Nka, aw k’aw janto kosɛbɛ janfa fila la, mɔgɔkɔrɔbaw ka so bɛ se ka denmisɛnnin balikuw sendon yɔrɔ minnu na: (1) ni aw bɛ Nafolo Setigiya (POA) minɛ aw bangebaga ye, ani ni aw ma se k’aw bangebaga yɛrɛ ka kalo o kalo Lakanali Sosiali/pension sɛkɛsɛkɛli di o yɔrɔ ma ni ɲɛmajɔbaliya ye walima ni aw ma banki sɛbɛnw di o yɔrɔ ma, Medikedi ye minnu ɲini, o yɔrɔ bɛ se k’i sendon ko “breach of fiduciary duty / breach of contract as Parti min ye kunkanbaaraba ye"; ani (2) jamana damadɔw la minnu ka "Filial Responsibility Statutes" bɛ baara la (kɛrɛnkɛrɛnnenya la Pennsylvanie), kiritigɛsow ye denmisɛnnin balikuw jalaki tuma dɔw la ni u ye Medikedi ɲinini dɔ bali walima ni u ye bangebaga dɔ ka nafolo bila sira wɛrɛ kan. Aw bɛ Medikedi ɲini joona tuma bɛɛ ani ka bangebaga ka kalo o kalo banabagatɔ ka jalaki hakɛ wajibiyalen sara a waati la.

Ni ne bangebaga min bɛ mɔgɔkɔrɔbaw ka so, hakiliɲagami jugumanba bɛ a la kaban, wa a ma a bolonɔ bila abada ka Power of Attorney sɛbɛn do?¶

Ni i bangebaga tɛ se ka hakililata sɔrɔ walasa ka Nafolo ka Setigiya (POA) faamuya ani k’a bolonɔ bila a la ani n’u ka banki jatew, IRA, walima so sɛbɛn tɔgɔ sɛbɛnnen bɛ u yɛrɛ tɔgɔ dɔrɔn de la, bankiw bɛna ban k’a to i ka don u ka jatew kɔnɔ walasa ka san 5 kɔfɛlajɛ sɛbɛnw lajɛ walima ka musaka dɔgɔyali kɛ. Fɔlɔ, aw k’a kɔlɔsi ko mɔgɔ o mɔgɔ bɛ mɔgɔkɔrɔba dɔ dɛmɛ, o tigi bɛ se ka a bolonɔ bila Medikedi ɲinini sɛbɛn fɔlɔ la ani k’a di a yɛrɛ ma i n’a fɔ Lasigiden min yamaruyalen don walasa ka a bilali kalo datugu, ani jamana ka Medikedi baaradaw bɛ se ka banki ka balansi ɲini k’a ɲɛsin u yɛrɛ ma Asset Verification System (AVS) fɛ ni aw ye ko baarakɛla ladɔnniya sɛbɛn fɛ ko ɲininikɛla tɛ se ka baara kɛ. Filanan, walasa ka se tiɲɛ na ani ka musaka kɛ banki jatebɔsɛbɛnw kɔnɔ minnu bilalen don, i bɛna a ɲini ka kɔrɔtɔko ɲinini sɛbɛn i ka mara kɔnɔ Probate / Surrogate’s Court for **Conservatorship / Guardianship of the Estate** (walima ka kiritigɛso lakanani yamaruya ɲini min bɛ kɛ ni jago kelen ye, min bɛ furuɲɔgɔn seko tɛ min na, o ka nafolo di Sigida Furuɲɔgɔn kɛnɛman ma).

Yala Medikedi bɛ segin ka taa bangebaga ka Lakanali Sosiali sɛgɛsɛgɛliw ta ka bɔ san 5 tɛmɛnenw na wa?¶

Ayi, san 5 (kalo 60) Medikedi Lajɛ waati tɛ wari segin i bangebaga ye min musaka kɛ sariya siratigɛ la a yɛrɛ ka ɲɛnamaya musakaw la, u ka sobon musakaw, u ka dumunifɛnw na, u ka baarakɛminɛnw na, u ka so ladonni dɛmɛbagaw la, u ka impositiw la, walima u ka lafiɲɛbɔw la san duuru tɛmɛnenw kɔnɔ. San 5 jatebɔ bɛ **nilifɛnw dɔrɔn de ɲini minnu ma sara walima fɛnw jiginni minnu ka dɔgɔ ni sugu nafa tilennen ye** (i n’a fɔ ka dɔrɔmɛ 10000 sɛkɛsɛkɛli sɛbɛn ka di denkɛ denkɛ ma walima ka kabini sɛbɛn di a balimakɛ denkɛ ma ni dɔrɔmɛ zeru ye). Ni i bangebaga ka wari kɛra fɛnw ni baarakɛminɛnw na i bangebaga (walima u furuɲɔgɔn) ye, o musakaw bɛ kɛ sariya kɔnɔ kɛmɛsarada la. Nka, aw k’aw yɛrɛ tanga ATM warijɛ kulubaw bɔli ma walasa ka ladonbaga labɛnbaliw sara "tabali jukɔrɔ" k'a sɔrɔ **Mɔgɔ yɛrɛ ladonni bɛnkansɛbɛn** ni resipiw ma sɛbɛn, bawo Medikedi bɛ wari bɔli sɛbɛnw jate i n'a fɔ nilifɛn minnu ma sɛgɛsɛgɛ.

Yala an ka kan ka furucɛbɔ kɛ sariya sira fɛ walisa furuɲɔgɔn kɛnɛman ka se k’an ka warimaralenw bɛɛ mara wa?¶

A ka c’a la, ka "Medicaid furucɛbɔ" sɔrɔ, o tɛ mako ɲɛ fewu, wa a ka c’a la, o bɛ furuɲɔgɔn kɛnɛman to a ka juguya ka tɛmɛn ka to furu la ani ka baara kɛ ni fédéral ka Furuɲɔgɔnma Fantanya baarakɛminɛnw ye. Ni i ye furucɛ ni furumuso ka furu sa, i bɛ bɔnɛ i ka sɔrɔko jiginni otomatiki la (MMMNA), i bɛ bɔnɛ i ka jo la ka furuɲɔgɔn salen ka Lakanali Sosiali ka nafa caman sɔrɔ ciyɛn na ni i furula ka tɛmɛ san 10 kan, ani Medikedi baaradaw bɛ to ka furucɛ ni furumuso ka furu sa bɛnkanw sɔsɔ minnu bɛ kɛ fan kelen fɛ, minnu bolonɔ bilala furakɛli gɛlɛya waati la, k’a kɛ nanbarako ye. O nɔ na, ​​ka to furu la ani ka baara kɛ ni Certified Elder Law Attorney (CELA) ye walasa ka so min tɛ sara, CSRA min ye dɔrɔmɛ 154 140 ye, ani Medicaid-Compliant Immediate Annuity walima Court Support Order fara ɲɔgɔn kan, a ka c’a la, o bɛ furuɲɔgɔnma fila ka ɲɛnamaya bolomafara kɛmɛsarada la 90 fo 100 lakana, k’a sɔrɔ i ma i ka furu tiɲɛ.

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Sosow sɛgɛsɛgɛra¶

• Etazuni jamana ka sariyasun ani Centres for Medicare & Medicaid Services (CMS, Etazuni): 42 U.S.C. § 1396r-5 (Sɔrɔ ni nafolo furakɛli furuɲɔgɔnma dɔw ye minnu bɛ sigida la / Furuɲɔgɔnma ka faantanya sariyaw: CSRA ani MMMNA) ani 42 U.S.C. § 1396p (Liens, Adjustments, Estate Recovery, Kalo 60 Look-Back Transfers, Denmisɛnnin ladonbagaw ka bɔli, ani Sɔrɔ min bɛ se ka kɛ / Miller Trusts).
• Federal Nursing Home Reform Act (OBRA '87, Ameriki): 42 U.S.C. § 1396r©(5)(A)(ii) ani sariyasen 42 C.F.R. § 483.15 (Balili min bɛ mɔgɔ sabananw ka wariko garantiw wajibiya "Medicaid pending" sigidamɔgɔw doncogo n’u lakanani kan ka bɔ u gɛnni na).
• Social Security Administration (SSA, Etazuni): Program Operations Manual System (POMS) SI 01130.100 ka se SI 01130.420 ma (Nafolo minnu ma fara a kan: Sigida fɔlɔ ka bɛnkanw, Mobili kelen bɔli, ani sudon nafolo min tɛ se ka wuli).
• Jamana ka maakɔrɔw ka sariya lafasalitɔnw ka kalanso (NAELA) ani jamana ka mɔgɔw ka kan ka ɲɛsin ladonni kuntaalajan ɲuman ma (Amerika): Gɛlɛya Medikedi musaka dɔgɔyali laadilikanw, mɔgɔ yɛrɛ ladonni bɛnkanw, ani lafasali ka ɲɛsin mɔgɔkɔrɔbaw ka so lajɛcogo juguw ma.
• Kɛnɛya ni sigida ladonni minisiriso ani NHS Angletɛri (Royaume-Uni): Ladonni sariya san 2014 sariyasun (Annex B: Kapitali furakɛli ani furuɲɔgɔnmaw ni somɔgɔw ka sigiyɔrɔba jatebaliya minnu si bɛ san 60+) ani Jamana ka sariyasun NHS ka kɛnɛya sabatili taabolo (NHS CHC).

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Gafe minnu bɛ tali kɛ o ko la¶

• Mɔgɔkɔrɔbaw ka so kɔnɔ tɔɔrɔ, dɛsɛ, ani u gɛnni lafasali
• Dɔgɔtɔrɔso min lakananen tɛ walima ka bɔ kɛnɛyaso la, o gɛlɛya
• Senior wariko nafabɔli ani nanbara lafasali
• Dɔgɔtɔrɔso delirium ani furakɛli lafasali mɔgɔkɔrɔbaw ye
• Ladonbagaw ka seko dɛsɛ barikama ani balikuw ka kisi min bɛ a bolo
• Kɔrɔtɔko nimɔrɔw