What to do When You’ve Been Denied Medicaid for Excess Resources

Medicaid planning

There are many reasons someone can be denied access to Medicaid, from missing documentation to incorrectly filled in forms, but one of the most common issues is for having excess resources. Here is some helpful advice on what to do in this situation, from a Medicaid eligibility specialist and elder law attorney in New Jersey.

What are Excess Resources? 

Part of the Medicaid application process includes listing all the assets that you own, including those of your spouse if you are married. This means bank accounts, property, savings bonds, investments and more. Some assets are exempt from this list, like your home, household goods, one vehicle per home and pension. You may also keep up to $8,000 of non-exempt assets, and your spouse can keep a certain amount of assets under the terms of the Community Spouse Resource Allowance, or CSRA.

All of your assets that are non-exempt after this are considered excess resources. If this is above a certain amount (this differs from state to state and may change from year to year depending on legislation), then you will be denied Medicaid as the state feels that you are essentially too wealthy for this type of support.

Why Were You Denied Medicaid? 

There are several reasons why this denial may occur.

  • An error: The agency may have made a mistake when calculating your assets, by classifying an exempt asset as non-exempt, for example. You can appeal an error of this kind within 30 days of the mailing date of your denial.
  • Calculations were correct, but your excess resources are not very high: This means that you just missed qualifying for Medicaid, but that your application can be approved if you reduce your excess resources (by buying an irrevocable burial reserve or spending on nursing care), you should qualify with ease.
  • You applied too far in advance: This often happens to people who apply too soon and simply have too many assets to be considered eligible, especially in circumstances where a nursing home has insisted on an application. This will require the implementation of a well-considered spend-down strategy, where the best choices are outlined to ensure that you achieve Medicaid eligibility upon reapplication at a later point. There are several legal avenues to achieve this while still utilizing your assets to the benefit of yourself and loved ones, and your elder law attorney is critical to developing a reliable strategy for you to follow.

Work with a Qualified and Experienced Elder Law Attorney in NJ to Develop Your Medicaid Strategy 



Frank R. Campisano is highly experienced and compassionate elder law attorney with considerable knowledge of Medicaid issues. In addition to planning ahead financially for Medicaid eligibility, he is also able to assist with applications, appeals and other Medicaid issues. If you or a family member needs assistance with their Medicaid planning or protecting their assets effectively, don’t hesitate to get help today.

In addition, you can also prepare additional estate planning documents, such as your Last Will and Testament, Healthcare Proxy, Power of Attorney documents and trusts.

For a free consultation and Medicaid assistance, please contact us today and speak to Frank R. Campisano or visit our website at http://www.scclegal.com/



5 Mistakes to Avoid When Creating and Managing a Trust

elder law trusts nj

A trust can be a highly functional and useful estate planning tool, helping you provide for dependents more effectively, avoid probate and even reduce taxation on your estate. However, according to your estate planning attorney in New Jersey, a trust is only effective when it is set up and managed properly – and this means avoiding these common mistakes.

  1. Not funding your trust: In order to deliver the above benefits, you have to fund the trust by moving assets into it. Without assets, there will be nothing to deliver to the beneficiaries. All assets outside the trust will be subject to standard legal, probate and taxation procedures.
  2. Not having clear instructions: Trusts are fairly complex legal structures and clear instructions are necessary to ensure that it functions in line with your wishes. You need to create instructions around the function of the trust, who you would like to benefit from the trust, how you would like your assets to be divided, and so forth.
  3. Setting up the wrong type of trust: There are quite a few different types of trusts available when you’re creating your estate plan, and each type suits a different goal. For example, one type of trust has different tax implications to another, some can be changed while others cannot be modified at all, and some are better for providing funds to special needs children than others. It’s vital that you work with your estate planning attorney to evaluate different trust options and commit to one that will actually achieve your goals.
  4. Choosing the wrong trustee: Choosing a trustee is an incredibly important choice that deserves serious thought, as appointing the wrong person into this position could destroy your trust. Not only could this lead to abuse of your trust and legal problems, it could destroy relationships as well.
  5. Failing to update your trust: Like any estate planning document, your trust shouldn’t be ignored for your lifetime after you’ve set it up. As your circumstances change and evolve, your trust should be reviewed and adjusted to ensure that it still aligns with your wishes. Significant life events like marriage, divorce, and children are all going times to review your trust, Last Will and Testament and other estate planning documents.

Create or Review Your Trust Today – Speak to Your Estate Planning Attorney in NJ 

At Sedita, Campisano and Campisano in New Jersey, estate planning attorney Frank Campisano is ready to assist you with all your estate planning needs – whether you need to make a business succession plan, Last Will and Testament, Power of Attorney, a Living trust or to minimize inheritance tax on your estate.

Contact us today and let us deliver expert estate planning advice to take care of all your wishes – whether your needs are big or small. For more information, please visit our website at http://www.scclegal.com/

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