elder law 1 final - national law institute · 2017-03-20 · nursing care and aides, but not...
TRANSCRIPT
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PRESENTED BY:
Sponsored by:
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Thursday,May4,2016
ElderLawfortheNon-ElderLawAttorneyPartI:
ProtectingYourClientandYourself
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Overview
I. ChangingDemographics&TheCostofAging
II. MedicareandMedicaid
III.PowerofAttorney/StatutoryGiftsRider
IV.HealthCareProxyandLivingWill
V. ElderLawCaseStudy
VI. Resources
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I.ChangingDemographicsandTheCostofAging
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ChangingDemographicsinAmerica
• Today,about1ofevery7Americansis“older”(65+).
• Ifyou’re65yearsoldtoday,youraveragelifeexpectancyisanother20.5yrs (F)or17.9yrs (M).
• Inthenext25years,thepopulationaged85+isprojectedtotriple(from6millionto14.6million).
Source:AgingStatistics,AdministrationonAging,Dept.ofHealth&HumanServices,http://www.aoa.gov/Aging_Statistics.(PrincipalsourcesofdatafortheProfilearetheU.S.CensusBureau,theNationalCenterforHealthStatistics,andtheBureauofLaborStatistics.)
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LeadingCausesofDeath(65+)
1.Heartdisease 3.Stroke 5.Influenza/pneumonia2.Cancer 4.Respiratorydisease 6.Alzheimer’s
Alzheimer’sDiseasein2016:• Anestimated 700,000Americansage65+willdie.• 5.2millionAmericans65+haveanAlzheimer’sdiagnosis(2/3arewomen)• By2050,thisnumberisexpectedtoincreaseto16million .
http://www.cdc.gov/nchs/data/ahcd/agingtrends/06olderpersons.pdf.
Sources:Alzheimer’sFactsandFigures,Alzheimer’sAss’n,http://www.alz.org/facts/overview.asp#quickFacts.YelenaGorina,DonnaHoyert,HaroldLentzner,andMargieGoulding,TrendsinCausesofDeathamongOlderPersonsintheUnitedStates,U.S.Dept.ofHealthandHumanServices,CentersforDiseaseControlandPrevention,http://www.cdc.gov/nchs/data/ahcd/agingtrends/06olderpersons.pdf.
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TheCostofAgingOver70%ofthe65+populationwillrequirelongtermcareservices(“LTC”).
MedianAnnualCost:
Sources:2015CostofCareSurvey,GenworthLifeInsuranceCompany,2015.
Nation-wide N.Y. N.J. Conn. Florida
HomeHealthAideServices $45,760 $52,624 $48,506 $50,336 $41,184
Assisted Living Facility $43,200 $49,200 $68,700 $66,900 $37,800
NursingHome(Semi-PrivateRoom) $80,300 $131,758 $116,800 $146,000 $87,600
NursingHome(Private Room) $91,250 $136,437 $127,750 $158,775 $96,725
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OlderAmericansActReauthorizationActof2016
• SignedbyPres.ObamaApril19,2016• Reaffirmsnation’scommitmenttothehealthandwell-beingofolderadults• Createsnewsupportformodernizingmultipurposeseniorcenters• Highlights importanceofaddressingeconomicneeds• Requiresthathealthpromotion&disease preventioninitiatives beevidence-based• Promoteschronicdiseaseself-managementandfallsprevention• Supportsstrongerelder justiceandlegalservicesprovisions,neededclarityforcaregiversupportandAging&DisabilityResourceCenters,andnewopportunitiesforintergenerationalsharedsites• NolimitplacedonappropriationsforOAA
Sources:OlderAmericansActReauthorizationActof2016,Pub.Law114-144(2016)S.192- OlderAmericansActReauthorizationActof2016,availableathttps://www.congress.gov/bill/114th-congress/senate-bill/192.
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II.Medicare&Medicaid
N.Y./Region.Medicaid Shift Fuels Rush forProfitable ClientsByNinaBernstein,May8,2014.
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MedicareDefined
FederalprogramestablishedunderTitleXVIIIoftheSocialSecurityAct
Persons65+Disabledpersonsunder65PersonswithEndsStageRenalDisease
CentersforMedicareandMedicaidServices(Dept.HealthandHumanServices)
WhatisMedicare?
Whoiseligible?
WhoadministersMedicare?
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MedicareOptionsforSeniorsInpatienthospitalandrehabilitationcareHospiceservices
Physicianandoutpatientmedicalservicesequipment,supplies
MedicareAdvantage(combinesPartsA&B)
Prescriptiondrugs
Planvariations
PartA
PartB
PartC
PartD
Other
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• MedicareSupplementPlans(“Medigap”)areNOTMedicare!Theyareprivateinsurance!
• AllMedigapplansarecreatedequal!• MedicareAdvantagePlans• MedicareSupplementInsurancePlans• MedicarePrescriptionDrugPlans
MedicareSupplementPlans
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MedicaidRegulatorySchematic
Federal
- 42USC§ 1396etseq.(a/k/aTitleXIXofSocialSecurityAct)– establishedMedicaidprogram,authorizedgrantstostates[whichhavediscretioninconstructingtheirownMedicaidprogram].Seealso42CFR§ 430etseq.
State– programs
- Musthave1agencyresponsibleforadministeringMedicaid(NYagency:NYSDept.ofHealth(“DOH”))- Musthavestate-specificplanapprovedbyFed.Dept.OfHealth&HumanServices(DHHS)(§1902ofSocialSec.Act).
ManagedLongTermCare
- MLTCplansaccreditedbyNYSDOHtocoordinatedelivery,quality,costofcare.
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ResearchingMedicaidIssuesFederal– Dept.ofHealth&HumanServices• TitleXIXSoc.SecurityAct(42USC§ 1396)• OmnibusReconciliationActs• AffordableCareAct• 42CFR§ 430,etseq.• CenterforMedicare&MedicaidServices• CMSRulings(bindingadministrativedirectivesthatclarify,interpretcomplexorambiguousprovisionsoflaw/regulationsrelatingtoMedicare,Medicaid)
• ApprovedStateMedicaidplan
State– NYSDept.ofSocialServices• NYSDept.ofHealth• OfficeofTemporaryandDisabilityAssistance(“OTDA”)– responsibleforFairHearings(ALJrulings)
• LocalMedicaiddistricts(e.g.,NewYorkCityHumanResourcesAdministration(“HRA”))
• MedicalInsuranceandCommunityServicesAdministration(“MICSA”)–administermedicalprograms
• MedicalAssistanceProgram(“MAP”)–determinewhichindividualsareeligibleforMedicaid;administerHomeCareServicesProgram
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ResearchingMedicaidIssues(Continued)
StateGuidance• AdministrativeDirectives(“ADMs”)– bindingdirectivesofpolicyandprocedurestothe58localMedicaiddistricts(i.e.,15OMM/ADM-11)
• GeneralInformationSystemNotices(“GIS”)– provideimmediatedirectionaboutcurrentOTDAprogrampolicyandprocedures(i.e.,GIS15MA/011)
• MedicaidReferenceGuides(“MRGs”)– DOH’sguidetoassistdistrictsindeterminingMedicaideligibilityforbenefits
• NYHealthAccess:http://wnylc.com/health/
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BREAK
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TransitiontoManagedCareAFederal/Statepartnershipprogramprovidinghealthandlongtermcareinsurancebenefitsforeligibleenrollees.
AhealthinsuranceplanorhealthcaresystemaccreditedbyNYSDept.ofHealthtocoordinatethedelivery,qualityandcostofcare,alsoknownasan“MLTC”.
TraditionalMedicaid
ManagedMedicaid
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MedicaidDefinedFederal/StatepartnershipprogramprovidingmedicalbenefitsEstablishedunder42USC§ 1396etseq.,42CFR§ 430etseq.
Eligibilityisbaseduponfinancialneedandmedicalcondition(notage)
Asof2013CenterforMedicareandMedicaidServices(DepartmentofHealthandHumanServices)andNYHealthandHumanResourcesAdministration
WhatisMedicaid?
Whoiseligible?
WhoadministersMedicaid?
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MedicaidProgramsforSeniors
Institutional/NursingHomeCare
Community BasedHomeCare
Waiver&OtherPrograms
Longterm,nursinghomecare(medicalequip.,supplies)MedicalservicesnototherwisecoveredbyinsuranceRoomandboardNursingcareandaides,butnotprivateduty
Homeattendant,homehealthaide,privatedutynursingAssistedliving,adultdaycare,mealsMedicalequipment,supplies,somehomemodificationsPodiatry,audiology,dental,optometry,andothersNon-emergencymedicaltransportation
ConsumerDirectedPersonalAssistanceProgram(“CDPAP”)Update4/1/16:parentcanserveasPA(GIS16MA/006)
EPIC(PrescriptionDrugBenefits)andothersNursingHomeTransitionandDiversionProgram(“NHTD”)
Update3/30/16:programextendeduntilJan2018Copyright©2016WeissLawGroup,PLLC
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InstitutionalMedicaidEligibility:2016MedicaidResource&IncomeAllowances
Institutional/NursingHomeCareApplicantResourceAllowance $14,850.00CommunitySpouseResourceAllowance $119,220.00
ApplicantIncomeAllowance $50.00CommunitySpouseIncomeAllowance $2,980.50
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CommunityBasedMedicaidEligibility:2016MedicaidResource&IncomeAllowances
CommunityBasedCare(HomeCare,etc.)ApplicantResourceAllowance $14,850.00CommunitySpouseResourceAllowance $21,750.00
ApplicantIncomeAllowance $825.00CommunitySpouseIncomeAllowance $1,209.00
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CalculatingIncome
Whatcountsas“Income”?
Includesboth“earned”&“unearned”income
SSI,VA,Union(benefits)Disabilitybenefits,unemploymentInsurancePension&retirementfundsDividends&interestAnnuityandtrustpaymentsRentalincomeCapitalgainsEmployment(tips,wages,salary,bonus)In-kindincome(goods/services)
Examples
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CalculatingResources
Whatcountsasa“Resource”?
Anythingofmonetaryvaluethatcanbeconvertedintocash.“Exempt” v.“Nonexempt”:amountsthatMedicaidwill/willnotinclude incalculationofapplicant’sassets
RealEstatePersonalpropertyCash,moneymarketandbankaccountsStocks&bondsAnnuities,IRAs,pensionsLifeInsurancepoliciesBurialfund&pre-paidfuneraltrust
Examples
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Whatresourcesare“exempt”?
“Exempt”Resources
Primaryresidence(withexceptions)
Automobile
Lifeinsurance*
Burialfundsintrustupto$1,500
Holocaustsurvivor&ghettopensions
QualifiedIRAs(MRDplans)
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BudgetingExample• Ms.M,awidow,livesaloneinaco-opvaluedat$700k.Eachmonth,shereceives$1kinSocialSecurity,and$400fromherqualified-IRA(whichhas$600kremaining).Asidefromherhome,heronlyotherassetsareherIRA(whichsheearnedwhileworking),Checkingaccountwith$8kandSavingsaccountwith$10k.
• CanMs.MqualifyforCommunityMedicaid?• CountableResources:$8k+$10k=$18k ($14,850limit)
CountableIncome:SocialSecurity 1,000.00IRAMRD 400.00
Deductions: - MedicarePartBPremium - 104.90- Incomededuction(foraged,blind,disabled) $- 20.00_____MEDICAIDINCOME $1,275.10 ($825limit)
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MedicaidAssetPlanning:SpousalRefusalSpousemayrefusetopayforhealthcareneeds&supportoftheirlegallyrecognizedpartner
SpousalrefusalappliestocommunityMedicaidapplicantsaswellastoinstitutionalMedicaidapplicants(GIS14MA/025)
Medicaid inNYStateBudget2016– 2017(S.6407-C/A.9007-C):• Keeps SpousalRefusal intact• Keeps"SpousalImpoverishment"Resource Allowanceat$74,820insteadofreducingitto$23,820. Thisistheamountofresourcesa"wellspouse"maykeepwhentheotherspouse isinaMLTCplan,waiverprogram,oranursinghome
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MedicaidAssetPlanning:SpendDown
Whatisa“SpendDown”
TheamountthatincomeexceedseligibilitylimitsafterreductionforMedicarePartBandotherhealthinsurancepremiums&medicalcarecosts
HealthcareexpensesPrepaymentsofhousingexpensesLegalfeesBurialtrusts/prepaidfuneraltrustReimbursement(NY- nofiliallawsrequiringadultchildrentocareforindigentparents)
Examples
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MedicaidAssetPlanning:AssetTransfersAllowed when transfers are for fair market value
“Look Back Period”: Penalty applies to institutional applicants for transfers madewithin 60 month period prior to date of filing application and date that applicantotherwise qualifies forMedicaid
• Precise, complex calculation• Penalty period = # of months calculated using value of the "uncompensatedtransfer" divided by "regional rate" in effect on date application is filed orrequest for increase in nursing home benefits is made
Exceptions for transfer penalty if transfer is to spouse, disabled child (directly, or toSNT)
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MedicaidAssetPlanning
AccountManagement
PromissoryNote/Loan
Jointaccounts,intrustaccounts,accountsnotforconvenienceofapplicant(bonafide)
Institutional– 5yearlookbackapplies
Institutional– usedtoshelterapercentageofassetsandreducepenaltyperiod
Gifting
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MedicaidAssetPlanning
RealEstate PrimaryhomeexemptforcommunityMedicaid,notforinstitutionalMedicaid
Exceptions:• Intenttoreturnhome• Dependentwithspecialneeds• Childlivingwithparentandprovidingsupportenablingparenttoremainathomeforaperiodofnolessthan2years.
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MedicaidAssetPlanning:Trusts
Sources:SupplementalNeedsTrusts,NYLAGEvelynFrankLegalResourcesProgram,updatedMarch2016(availableathttp://www.wnylc.com/health/afile/5/9/).
Importanceofproperlydraftingtrustdocumentation!Considerlongtermcareimplications,varioustaximplications.
IntheMatterofFrancesFlanneryv.Zucker (N.Y.Sup.Ct.,App.Div.,4thDept.,No.TP15-01033,Feb.11,2016).
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MedicaidAssetPlanningPooled IncomeTrusts
42USC§1396(d)(4)(C))
ForindividualswhoreceivemonthlyincomegreaterthanallowedbyMedicaid“Excessincome”deposited intotrust;thisamountisdisregardedwhendeterminingMedicaideligibility.FundsmanagedbyNYStatecharteredfund(masteraccount)withseparateaccountforeachparticipant(joinderagreement).Fundsmaybeusedforsupplemental needs(i.e.,adaptiveequipment,education,transportation,supplies)notprovidedbyMedicaidUponbeneficiary’sdeath,remainingbalanceofaccountremainsintrusttobenefitspeoplewithdisabilities.
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MedicaidAssetPlanningFirstPartySpecialNeedsTrusts
(42U.S.C.1396p(d)(4)(A)
Createdwithassetsownedbybeneficiary;establishedbyparent,grandparent,legalguardian,courtorderforthebenefitofadisabledindividual;mustbeunder65yrs old
*Pendinglegislation:SpecialNeedsTrustFairnessActof2015(S.349,H.R.670):authorizesindividualwithadisability,whohascapacity,tocreatehis/herownSNT
FundsmaybeusedforsupplementalneedsnotprovidedbyMedicaid
Trustisdraftedbyprivateattorneyorfinancialinstitution;privatelymanagedbyfinancialinstitutionorbyaNYScharteredtrust
Upondeathofbeneficiary,Medicaidpayback;balanceofremainingassetsdistributedinaccordancewithtrustterms
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MedicaidAssetPlanning
ThirdPartySpecialNeedsTrusts
Establishedwithfundsfromsomeoneotherthanthepersonwithadisability
Typicallyusedbyparentsforchild’sbenefit
NoMedicaidpaybackrequirement
Grantorhascompletecontroloverselection ofthetrustremainderbeneficiaries
MaybeIndividualSNTorpooledSNT(seenextslide)
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MedicaidAssetPlanning
PooledSpecialNeedsTrust
Forindividualswhoreceiveunexpectedsumofmoney(e.g.,inheritance,lawsuitaward)
FundsusedforsupplementalnotprovidedbyMedicaid
FundsmanagedbyNYStatecharteredfund(masteraccount)withseparateaccountforeachparticipant(joinderagreement).
Fundsarepooledwiththefundsofotherdisabledpersons
Uponbeneficiary’sdeath,remainingbalanceofaccountremainsintrusttohelppeoplewithdisabilities.
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III.PowerofAttorneyandStatutoryGiftsRider
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PowerofAttorney/StatutoryGiftsRider
Legaldocumentusedbyaperson(“Principal”)todelegateauthoritytoanotherperson(“Agent”)tomakefinancial,property,andotherlegaldecisionsforthePrincipal.
AddedtoaPOAandgrantsagentauthoritytomakegiftsonprincipal’sbehalf.
Essentialforelderplanning,taxplanningandprotectsagentfromaccusationsofself-dealing.
StatutoryGiftsRider(SGR)NYGen.Ob.Law§5-1514
PowerofAttorney(POA)NYGen.Ob.Law§5-1501,etseq.
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Recommendations
• Donotuseinternetform!• NotallPOAsarealike– customizePOAtofityoursituation,appointanagentyoutrust.• SGRessentialforelder,estateandtaxplanning.• Olderclientstendtohaveoutdatedforms.• Appointmentofagents.• Useofmonitor
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LegislativeUpdate– ProposedChangesRevertbacktoone,singleform;eliminateprovisionsrelatingtoSGR
Expandagent’spowertomakeannualgiftsfromcurrent$500to$5,000withoutrequiringtheinsertionofamodificationtotheform
Clarifyagent’sobligationtokeeprecordsorkeepreceipts
Clarifyagent’sauthoritywithregardtofinancialmattersrelatedtohealthcare
Change“exactwording”to“substantiallyconforms”andallowforOptionalsectionsoftheformtobeintentionallyomitted
• Berrian vSienaColl.,129A.D.3d1004,12N.Y.S.3d240(2dDep't2015)(upholdingsummaryjudgmentdismissingacomplaintsignedbyanagentunderPOAstating,“[s]tatutory shortform[POA]andnonstatutory [POA]mustcontaincertain ‘exactwording’inorder‘tobevalid’….”)
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IV.HealthCareProxyandLivingWill
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HealthCareProxyandLivingWill
Legaldocumentusedbyaperson(“Principal”)todelegateauthoritytoanotherperson(“Agent”)tomakehealthcaredecisionsforthePrincipal.
ProposedHealthCareProxyRegistryBill– (S.S6081;A6307)
HealthCareProxy(HCP)
N.Y.Pub.HealthLaw§§ 2980,etseq.
Legallyrecognizedexpressiononintentmadebyacompetentadultstatinghis/herwisheswithrespecttofuturehealthcaredecisions,includingtheuseoflifesustainingmedicaltreatment,artificialnutritionandhydration,andothers.
LivingWill10NYCRR§400.21(b)(3)
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V. ElderLawCaseStudy
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VI.Resources• U.S.Dept.ofHealthandHumanServices– AdministrationforCommunityLiving:http://acl.gov/get_help/help_older_adults/index.aspx
• NYCDepartmentfortheAging:http://www.nyc.gov/html/dfta/html/home/home.shtml• NationalAssociationofAreaAgenciesonAging:http://www.n4a.org/• SocialSecurityAdministration:http://www.ssa.gov/• NewYorkStateDepartmentofHealth– AdvanceDirective:http://www.health.ny.gov/professionals/patients/health_care_proxy/index.htm
• Dept.ofHealth,HealthCareProxy:https://www.health.ny.gov/forms/doh-1430.pdf• HIPAAonNYHealthAccess:www.wnylc.com/health/10
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MiraB.Weiss,Esq.425MadisonAvenue,Suite901NewYork,NY10017
[email protected](646)395-3851
WeissLawGroup,PLLC
ChelseyB.Axel,Esq.425MadisonAvenue,Suite901NewYork,NY10017
[email protected](646)395-3851
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