long-term care

Recent Changes to Visitation Rules in Long Term Care Facilities

In March of this year, the Centers for Medicare and Medicaid Services (CMS), the federal agency that regulates nursing homes, issued strict rules regarding visitors to nursing homes in order to prevent the spread of COVID-19. At that time, CMS mandated that all nursing homes restrict visitation to only essential healthcare personnel, except in “compassionate care” situations, which was then defined as “end of life” situations. Assisted living facilities, though not directly regulated by CMS, essentially followed the same protocols with guidance provided at the state level. For months, residents of nursing homes and assisted living facilities were almost entirely cut off from contact with the outside world.

Recently, however, restrictions have begun to be lifted. Effective October 17, 2020, and consistent with CMS guidance, the Minnesota Department of Health issued new regulations for nursing homes and skilled nursing facilities that greatly expanded visitation rights for residents and their loved ones. The regulations recognized the profound adverse effect of social isolation on residents and the important impact that family and caregiver visits can have on the overall health and wellbeing of residents.

The new guidance says that long term care facilities should facilitate both indoor and outdoor visits with residents so long as visitors adhere to the “core principles” of COVID-19 infection prevention (wearing masks, using hand-sanitizer, and keeping six-feet apart, etc.), and so long as the facility meets two additional criteria: (1) there have been no new COVID-19 cases at the facility in the last 14 days, and (2) the rate of community spread in the surrounding county is sufficiently low. This last factor is determined by the county’s test positivity rate for the last 14 days. This information is available on the MN Department of Health’s website. MDH releases COVID-19 statistics weekly, so to determine the applicable county positivity rate you take the average of rates for the last two weeks for your county. If the 14-day average test positivity rate is less than 5%, which is considered “low”, visits should be allowed. If the rate is between 5% and 10% (“medium risk”), visits should still be allowed but additional restrictions may be imposed by the facility. If the rate is above 10% (“high risk”), then visits are restricted to only “essential caregivers” and for “compassionate care situations.” MDH has expanded the definition of “compassionate care situations” beyond just end of life situations to now include situations where a resident may be experiencing other forms of acute emotional distress. MDH also encourages but does not require facilities to establish an “essential caregivers” program to allow each resident to designate at least one person as “essential” who would be permitted to visit them even when visitation is restricted due to high test positivity rates or other reasons.

With COVID-19 cases surging yet again, many long term care facilities will likely begin restricting visitation due to high test positivity rates in their counties. For example, several counties now exceed the 10% test positivity rate, including Beltrami, Big Stone, Chisago, Hubbard, Kandiyohi, Mahnomen, Marshall, Morrison, Nobles, Roseau, Stearns, Todd, and others. And if this trend continues as predicted, many more counties will join this list. Therefore, unless you are deemed an “essential caregiver” for your loved one, or if your loved one meets the criteria for “compassionate care,” you may lose the right to visit your loved one in their long term care facility quite soon. This reality underscores the importance of continuing to remain vigilant against the community spread of this disease so that our most vulnerable community members can stay safe and maintain a level of contact with family and friends to stay mentally, emotionally, and physically healthy.


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Will the Nursing Home or County Take My House?

As an attorney practicing in elder law one of the most common questions I get is this: If I or my spouse need nursing home care, will the nursing home take our house? Or, similarly, if I or my spouse need assisted living care or memory care, will the county or state take our house? This is understandably a scary thought. Everyone’s home feels special and sacred, full of memories, and the result of a lifetime of working and saving to make your home just right or to finally get the mortgage paid in full.

So, will they take your home if you need long term care? The simple answer is: No. They can’t “take” your home. But could your home be subjected to a lien in the future? Yes, it could.

To begin with, no skilled nursing facility, assisted living facility, memory care facility, or other long-term care provider has the power to “take” your home or put a lien on it. Only the government has the power to do that. When you or your spouse needs care, you pay the care provider until you are able to qualify for Medical Assistance, and then Medical Assistance pays the care provider on your behalf. Medical Assistance is a state-run program administered at the county level. The county keeps a tab on how much money is expended by them on your behalf for Medical Assistance benefits. Ultimately, it is the county that has the power to attach a lien to your home to collect the value of the benefits paid on your behalf or on behalf of your spouse.

When you apply for Medical Assistance, the house you or your spouse lives in is treated as an excluded asset, which means that it is not counted toward your asset limit and you can keep the house as long as you or your spouse continues to reside there. But when you both die, the county will have a claim against the estate of the surviving spouse to collect the value of Medical Assistance benefits paid on behalf of either spouse. In other words, the county cannot collect any money from you or your estate or put a lien on your house until after you and your spouse are deceased.

So, where does this idea come from that the county or nursing home can take your house? Well, there are a couple of instances where this can become an issue. First, consider what happens when a single person goes into a nursing home or where both spouses go into a nursing home. Can they still protect the house? The answer is: No. They have a six-month grace period and then the house has to be put up for sale. Does the county take the proceeds from the sale of the house? No. Again, as long as the Medical Assistance recipient or their spouse is still living, the county cannot take anything. But the proceeds from the house sale will have to be spent on nursing home care, which may be why many people think the nursing home “takes” the house. If neither spouse is capable of residing in the home, the home generally has to be sold and the proceeds spent on care.

Second, a lot of people try to leave the home to their children when they die. But when a single person or the surviving spouse dies, the county can put a lien on the house to collect the balance of Medical Assistance benefits paid on behalf of the deceased person or their spouse. In most cases, the children who inherit the house will have to pay off this lien before they can transfer the title to the house into their names. And in most cases, this means selling the house to pay off the lien. Again, the county doesn’t “take” the house, but they force a sale of the house to collect the Medical Assistance estate recovery claim.

Are there ways to protect the home from having to be sold to either pay for care or pay a Medical Assistance estate recovery claim at death? Yes, there are! And you should talk to an experienced elder law attorney for advice on how to protect your home as soon as you anticipate the need for long term care.

Call for a free 15-minute consultation today!

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New Veterans Administration Pension Benefit Rules Went Into Effect October 18

The Veterans Administration just rolled out sweeping new eligibility rules for veterans and their spouses who require long-term care. The rules apply to needs-based pensions, such as Aid & Attendance, which is a program that helps veterans and their families to offset the cost of out-of-pocket medical expenses. For example, a veteran or their spouse who receives care at home or in a facility can receive additional money each month from the Aid & Attendance pension if their income falls below a certain threshold as a result of out-of-pocket medical costs.

Until this month, in order to qualify for Aid & Attendance, the government only took into account a family’s monthly income and medical expenses. Although there was a ballpark maximum asset amount a family could have, there was no hard and fast asset limit. Better yet, there was no lookback period for gift transfers and no gift penalties imposed, which made the program more attractive compared to Medical Assistance (Medicaid). Now, that is no longer the case.

The new rules establish a maximum “net worth” limit, which takes into account both assets and annual income of the veteran and their spouse. That net worth limit is pegged to the community spouse resource allowance under Medicaid, which this year is $123,600. If a veteran and their spouse (if married) have annual income (less out-of-pocket medical expenses) plus total assets in excess of this asset limit, they can no longer qualify for Aid & Attendance. They will have to either reduce assets or reduce income (keeping in mind that an increase in care costs can have the effect of reducing income), in order to qualify. The veteran or spouse’s primary residence, including 2 acres surrounding the home, is excluded from the asset limit.

In addition, the new rules impose a 36-month lookback period for transfers of assets for less than fair market value. (This is less stringent than the 60-month lookback period for Medicaid.) The penalty period is calculated by taking the sum of all gift transfers made within the lookback period and dividing it by the maximum monthly pension amount, which determines the number of months that the veteran or spouse is ineligible for VA pension benefits. A penalty period begins to run on the first of the month following the date of the last gift transfer. Only gift transfers that result in financial eligibility are penalized, however; if the veteran or spouse was already below the net worth limit, or if they were close to it, the penalty is reduced or can be zero depending on the circumstances.

The takeaway: Veterans and their families who are considering applying for Aid & Attendance benefits through the VA should consult a VA-accredited attorney like me as soon as possible to determine whether they need to wait to apply due to the new transfer penalty rules and whether they meet the new net worth limit. Please contact me if you have questions.

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