Questions about MERP claims

This column first appeared in the San Antonio Express News and other Hearst Newspapers on October 12, 2018. Dear Mr. Premack: Is a home mortgage, whether a regular mortgage or reverse mortgage, paid before a MERP claim? – SB MERP is the Medicaid Estate Recovery Program, a facet of the Medicaid program that has existed…

Can MERP claim be avoided?

This column first appeared in the San Antonio Express News on November 14, 2017. Dear Mr. Premack: Our widowed mom was in a nursing home on Medicaid. She died this July. Her Will leaves her house to all her children. Last month MERP sent me a claim letter stating they will file a claim against…

Do not Capitulate to MERP when it is Avoidable

Dear Mr. Premack: My mom is a Medicaid beneficiary at a nursing home in San Antonio. We were told by Medicaid that there would be an estate recovery claim after her death. My dad is living at home and is fully aware that the home is subject to an estate recovery claim when mom dies.…

Mineral rights have modest Medicaid exemption

This column first appeared in the San Antonio Express News and other Hearst Newspapers on September 25, 2018. Dear Mr. Premack: I own mineral rights to Texas property but do not own the property itself. I’m 80 years old and may need to go in a Texas nursing home, eventually need to apply for Medicaid.…

Is a Living Trust useful in Medicaid Planning?

This column first appeared in the San Antoni0 Express News on January 16, 2017. Dear Mr. Premack: My parents are in their 80’s and have set up a Living Trust to help them qualify for nursing home Medicaid should they need financial assistance when the time comes. I had read that trusts could be used…

Are Miller Trusts ethical?

This column first appeared in the San Antonio Express News on November 28, 2016. Dear Mr. Premack: My friend is 69 and has a condition that is life ending but could last for some time. He is not married nor does he have any children. He owns a house that the Bexar County appraisal district says…