- 680
Have a client just under 1 year, who is apparently on medicaid.
Several weeks ago she said that she tried to request some additional aide, and in the process of that revealed she has a life insurance policy.
The SSI caseworker requested my client provide the policy contract.
My client could not find her policy, but gave the case worker the 'leave behinds' that I had left with her. Case worker said 'no' that won't work.
Client finally calls me late last week and leaves a message that her benefits will be suspended if she can't provide the actual policy by 'tomorrow'. So I worked with her and the ins co to get a copy mailed out to her...but that takes time and in the process benefits were suspended. Then I got into the ins co far enough to find the person who handles these things. She was surprised the case worker was asking for a copy of the policy, usually case workers fax her a form to fill out to get accurate CV info
Since the case worker never answers her phone or returned my message up to this point, I sent via fax the contact person at ins co, and also mentioned we were both surprised the client's benefits were suspended before it was determined the CV exceeded the resource limits.
Today the case worker finally calls me back and begins to explain that life insurance CV is a resource that has to be determined if it exceeds a resource limit to receive benefits. I told her that I was familiar with that aspect, and clarified that the actual concern was that her benefits were actually suspended BEFORE that determination had been made...and also the case worker had not attempted to contact me, or the insurance company herself...and also that the policy document would not indicate current CV but rather a projected CV that can be affected by other factors, and that the ins co was accustomed to receiving a form to fill out, not provide a copy of the policy.
The case worker told me she's been doing this for 8 years, the law requires her to get the policy contract, and after 30 days she is required to suspend benefits if she doesn't get the policy. I told her that sounded like 'guilty until proven innocent' and she assured me that's the way it works.
So she knew there was a policy in force less than 1 year, and suspended SSI benefits 30 days after requesting a copy of the policy, and did not attempt to contact agent or the carrier.
Does this sound right?
p.s. the caseworker said she would contact the ins co and send them a form to fillout and get the benefits back online....but geez what an ordeal
and what is the best way to handle medicaid scenarios, how do you guys handle it....maybe a few folks can give their input, then Newby can come in and clear it all up...and then I know a couple of you will disagree with him and we can all make popcorn!
Several weeks ago she said that she tried to request some additional aide, and in the process of that revealed she has a life insurance policy.
The SSI caseworker requested my client provide the policy contract.
My client could not find her policy, but gave the case worker the 'leave behinds' that I had left with her. Case worker said 'no' that won't work.
Client finally calls me late last week and leaves a message that her benefits will be suspended if she can't provide the actual policy by 'tomorrow'. So I worked with her and the ins co to get a copy mailed out to her...but that takes time and in the process benefits were suspended. Then I got into the ins co far enough to find the person who handles these things. She was surprised the case worker was asking for a copy of the policy, usually case workers fax her a form to fill out to get accurate CV info
Since the case worker never answers her phone or returned my message up to this point, I sent via fax the contact person at ins co, and also mentioned we were both surprised the client's benefits were suspended before it was determined the CV exceeded the resource limits.
Today the case worker finally calls me back and begins to explain that life insurance CV is a resource that has to be determined if it exceeds a resource limit to receive benefits. I told her that I was familiar with that aspect, and clarified that the actual concern was that her benefits were actually suspended BEFORE that determination had been made...and also the case worker had not attempted to contact me, or the insurance company herself...and also that the policy document would not indicate current CV but rather a projected CV that can be affected by other factors, and that the ins co was accustomed to receiving a form to fill out, not provide a copy of the policy.
The case worker told me she's been doing this for 8 years, the law requires her to get the policy contract, and after 30 days she is required to suspend benefits if she doesn't get the policy. I told her that sounded like 'guilty until proven innocent' and she assured me that's the way it works.
So she knew there was a policy in force less than 1 year, and suspended SSI benefits 30 days after requesting a copy of the policy, and did not attempt to contact agent or the carrier.
Does this sound right?
p.s. the caseworker said she would contact the ins co and send them a form to fillout and get the benefits back online....but geez what an ordeal
and what is the best way to handle medicaid scenarios, how do you guys handle it....maybe a few folks can give their input, then Newby can come in and clear it all up...and then I know a couple of you will disagree with him and we can all make popcorn!