What are the realities when nursing homes engage in relationships with nonlawyer Medicaid planners and things go wrong? The following is a simplified example: A nonlawyer’s Medicaid planning strategies have failed for a resident of the facility. Because of incompetent Medicaid planning efforts, the elderly resident is now ineligible for Medicaid benefits and [...]
DOES WORKING WITH A NONLAWYER MEDICAID PLANNER INCREASE THE NURSING HOME’S UNCOLLECTIBLE ACCOUNTS RECEIVABLE?
Uncollectable accounts receivable are debts that have no chance of being paid. When Medicaid planning by a nonlawyer fails for an elder resident, how will the nursing home be paid for services rendered? Questions that need to be asked when nonlawyer Medicaid planning fails: Are unpaid nursing home bills the result of financial [...]
Commissioned-Based Medicaid Planning Fees Some nonlawyer Medicaid planners are compensated when they sell annuities. These individuals target seniors who exceed Medicaid eligibility limits. A senior purchases an annuity from the planner in order to fall within Medicaid asset limits, and the Medicaid planner takes a commission. The commissions associated with a Medicaid-qualifying annuity can [...]
IS IT AGAINST THE LAW FOR A NURSING HOME EMPLOYEE TO BE PAID A FEE TO REFER MEDICAID CASES TO A NONLAWYER MEDICAID PLANNER?
When facilities or employees receive rewards for referring to nonlawyers, things take a turn for the worse. Under Florida law, “bribes, kickbacks, and certain solicitations are prohibited.” The nursing home that engages in such activity may be subject to civil liability or even criminal penalties. But imagine how easy it is for an overwhelmed [...]
CAN THE NURSING HOME GET IN TROUBLE IF THE NURSING HOME EMPLOYEES KNOW THAT THE NONLAWYER MEDICAID PLANNER IS ENGAGING IN UPL?
Yes, it is possible. According to Florida Statute 777.011, (and as stated in Chapter 3): Both referral sources and seniors who retain a nonlawyer for Medicaid planning purposes should be aware of the possible illegality of their actions, however unwitting or intentional their actions may be. “Whoever commits any criminal offense ... or aids, abets, [...]
Serious liabilities may lurk for long-term care facilities and employees affiliated with nonlawyer Medicaid planners. When a non-lawyer Medicaid planner’s actions result in the nursing home resident’s personal financial harm and/or denial of Medicaid eligibility, this can become a matter of financial exploitation of the resident. Depending on the case, the facility in which the [...]
No. By definition, only an attorney licensed to practice law would be entitled to have legal malpractice insurance. If an annuity salesperson only holds a license with the Florida Department of Insurance (or no license at all), that person would not be able to purchase legal malpractice insurance. The financial stakes are very high in [...]
What is the potential for harm to the public? Nonlawyer Medicaid planners expose Florida nursing home residents to various dangers, including the denial of Medicaid eligibility ineligibility penalties, costing tens or hundreds of thousands of dollars, because of wrongful transfers or purchasing unfit financial products exploitation of vulnerable, unsuspecting Florida citizens leaving seniors and their [...]
Individuals and companies with no license to practice law, yet stake their claim as Florida “Medicaid planners” run the gamut. Individuals as Medicaid planners Public record shows that the following types of individuals have been Medicaid planners in Florida: annuity salesmen insurance salesmen geriatric care managers Florida licensed nurses former nursing home employees former DCF [...]
What is the background, education and knowledge base of nonlawyer Medicaid planners? Annuity and insurance sales agents Annuity and insurance sales agents sell annuities, life insurance and related financial products and earn commission from the sale. There is no requirement for a college degree, but a sales agent must pass a state insurance commission exam [...]