User Panel
User Panel
User Panel
|
Posted: 1/4/2021 4:02:10 PM EDT
[#1]
The system is designed to bleed you dry by the time of your death. MN just wants in on the action.
|
|
|
|
Posted: 1/4/2021 4:02:52 PM EDT
[#2]
Or, I don't know, maybe just pay for your own medical care and not expect the state to do it for you.
|
|
|
|
Posted: 1/4/2021 4:03:32 PM EDT
[#3]
Quote HistoryQuoted: Or, I don't know, maybe just pay for your own medical care and not expect the state to do it for you. Miss me with this responsible shit. I want muh cradle to grave welfare state. |
|
|
|
Posted: 1/4/2021 4:04:01 PM EDT
[#4]
Quote HistoryQuoted: Or, I don't know, maybe just pay for your own medical care and not expect the state to do it for you. Nothing to have a $250k year worth of medical expenses if you have say a valve replacement. |
|
|
|
Posted: 1/4/2021 4:04:23 PM EDT
[#5]
Maine has been doing this for YEARS. Is it OK for tax payers to be footing the bill for a person who is capable of suporting them self( by selling their 125k RV?) and instead pass that 125K RV to their kids? There are exemptions for heirlooms of a certain value IIRC.
|
|
|
|
Posted: 1/4/2021 4:04:40 PM EDT
[#6]
Quote HistoryQuoted: Or, I don't know, maybe just pay for your own medical care and not expect the state to do it for you. yep |
|
|
|
Posted: 1/4/2021 4:05:32 PM EDT
[#7]
Quote HistoryQuoted: Nothing to have a $250k year worth of medical expenses if you have say a valve replacement. And they say life is priceless. |
|
|
|
Posted: 1/4/2021 4:05:36 PM EDT
[#8]
So... Old people are expected to pay their medical bills? Shocker.
|
|
|
|
Posted: 1/4/2021 4:05:51 PM EDT
[#9]
lol who think that playing by the rules affects the state at all one way or the other.
It is all monopoly money at this point. Play the game. |
|
|
|
Posted: 1/4/2021 4:07:34 PM EDT
[#10]
Yeah I am in the school of pay your bills, or buy an insurance policy that pays them for you, they have them you know.
|
|
|
|
Posted: 1/4/2021 4:07:55 PM EDT
[#11]
States have been doing that for some time.
If you go into a nursing home, the cost is far above what you can pay. The state takes over and if you are married, they divide your shit and take what they want. We were facing that when my mom got sick. Dad was looking at losing half of their stuff, we had started filling out the mountain of paperwork. Until the Social Worker said, “Wait a minute, wasn’t your mom a vet?” Everything changed from that point on. The VA paid for everything until she died. Dad is doing ok and when his time comes he is happy that he won’t lose everything. No matter how good your insurance is, once you reach end of life, you get dumped in Medicare. And they want you to die as fast as possible, but not before they take as much as they possibly can. |
|
|
|
Posted: 1/4/2021 4:09:08 PM EDT
[#12]
Or don't try to keep the gorked out TBI/anoxic brain injury alive, or expect your elderly, obese, former 2 pack a day smoker family member to use the hospital as a 2nd home without some sort of shared costs.
I have a lecture on end of life care, costs, and differences between the US and other countries (hint: they say NO when you try to do the above). |
|
|
|
Posted: 1/4/2021 4:09:19 PM EDT
[#13]
Quote HistoryQuoted: So... Old people are expected to pay their medical bills? Shocker. Then you go to collect on your end of the deal and they take your shit for the privilege of you having paid taxes. How many fucking times is it OK for the state to take your money again? They made the deal, not me. Yes, it is a stupid deal, but it is what it is until we change it. Either play the game smart or stupid, but make no mistake: you ARE playing the game regardless. |
|
|
|
Posted: 1/4/2021 4:10:18 PM EDT
[#14]
I’m actually okay with this, as well as reducing loopholes.
I know plenty in GD aren’t in favor of any government assistance to anyone for any reason. That’s not me. I’m fine with the state providing assistance for things like medical care of the elderly. I don’t think folks need to be tight at “sleeping in the street” before this assistance be given. Bieber, if you get assistance and then due, it seems reasonable for the government who provided the assistance to seek sone recompense from the estate. |
|
|
|
Posted: 1/4/2021 4:10:30 PM EDT
[#15]
Lots of states do this
|
|
|
|
Posted: 1/4/2021 4:10:54 PM EDT
[#16]
Quote HistoryQuoted: You pay (stupid high) MN taxes your whole life with the agreement being the state then takes care of certain aspects of retirement. Then you go to collect on your end of the deal and they take your shit for the privilege of you having paid taxes. How many fucking times is it OK for the state to take your money again? They made the deal, not me. Yes, it is a stupid deal, but it is what it is until we change it. Either play the game smart or stupid, but make no mistake: you ARE playing the game regardless. Or you live your life without relying on the government that doesn't give a shit about you. |
|
|
|
Posted: 1/4/2021 4:11:26 PM EDT
[#17]
As noted earlier, proper estate planning allows your family to keep your stuff and tell the state to fuck off (for the most part).
|
|
|
|
Posted: 1/4/2021 4:11:27 PM EDT
[#18]
Quote HistoryQuoted: Quite truthfully, the system all but prevents that. Nothing to have a $250k year worth of medical expenses if you have say a valve replacement. Nobody is dragging you into the hospital at gunpoint. Nowadays you can even set up legal documents to avoid it. |
|
|
|
Posted: 1/4/2021 4:11:57 PM EDT
[#19]
If you still have assets, you shouldn't be on public assistance.
|
|
|
|
Posted: 1/4/2021 4:12:24 PM EDT
[#20]
Quote HistoryQuoted: Quite truthfully, the system all but prevents that. Nothing to have a $250k year worth of medical expenses if you have say a valve replacement. As a tax payer, are you suggesting the elderly should get these services for free? If they can't pay for it, and the state has to, the state should take everything they have. Most of the time, the person being cared for has a lot less then the services being rendered. |
|
|
|
Posted: 1/4/2021 4:12:32 PM EDT
[#21]
Quoted: Click-baity title, but maybe folks in MN (and check your state if you have similar) should consider info this for themselves and/or elderly relatives. Basically, if you are on MA (Medical Assistance) and end up in "long term care or services", every single penny the state pays for your care (there is a list) of when you are 55 years old or older will be tracked and put as a lien on your estate after you kick it. What constitutes "long term care or services" you ask? As at least a partial list, until the government expands it later, includes: For the purpose of MA estate recovery, LTSS are the following: Nursing home services Home and community-based services Alternative care (AC) Brain injury (BI) Community alternative care (CAC) Community access for disability inclusion (CADI) Developmental disabilities (DD) Elderly waiver (EW) Home care nursing Home health aide services Medical supplies and equipment Personal care assistance (PCA) Physical therapy, occupational therapy and speech therapy, when the service is provided by a home health agency Hospital and prescription drug services received during the time the MA member was provided nursing facility services or home and community-based services If an MA member receives any of these LTSS at 55 years old or older, the cost of these LTSS can be recovered from the member's estate after he or she dies. If an MA member permanently resided in a medical institution at any age, the cost of all MA services received during the period of institutionalization, not just the cost of LTSS, can be recovered from the member's estate after he or she dies. More info here Many/most elderly people get these services. WHAT THIS MEANS: After you die, likely most/all of your estate will become property of the MN.gov So what can you do? As I understand it currently, BEFORE YOU TURN 55, and so long as the .gov "allows" this, put all your shit in a trust. At least primary real estate, large vehicles/RVs (did Mom and Dad buy a $125k RV to enjoy retirement?), cash/investment accounts, etc., should all go into a trust. You still get to control that trust until you die, at which point the next assigned person controls the trust, etc., etc. down the line. Hint: This is what rich people do... So consider this a friendly reminder to not allow your life's earnings to go to the .gov if you want it passed down. You may want to consult with your attorney about this, but every person I know who has any kind of assets have done this for these reasons. That's actually nothing new. A lot of states do it. You can do an end run around it by putting the elderly person's assets in a trust, but beware- the feds and states usually have a five year look-back. |
|
|
|
Posted: 1/4/2021 4:12:52 PM EDT
[#22]
Quote HistoryQuoted: Nobody is dragging you into the hospital at gunpoint. Nowadays you can even set up legal documents to avoid it. Quote HistoryQuoted: Quoted: Quite truthfully, the system all but prevents that. Nothing to have a $250k year worth of medical expenses if you have say a valve replacement. Nobody is dragging you into the hospital at gunpoint. Nowadays you can even set up legal documents to avoid it. Literally LOLed |
|
|
|
Posted: 1/4/2021 4:12:59 PM EDT
[#23]
Quote HistoryQuoted: Miss me with this responsible shit. I want muh cradle to grave welfare state. 
|
|
|
|
Posted: 1/4/2021 4:13:10 PM EDT
[#24]
Quote HistoryQuoted: Quite truthfully, the system all but prevents that. Nothing to have a $250k year worth of medical expenses if you have say a valve replacement. Quote HistoryQuoted: Quoted: Or, I don't know, maybe just pay for your own medical care and not expect the state to do it for you. Nothing to have a $250k year worth of medical expenses if you have say a valve replacement. 250K??? Where can I get it done so cheap? My OHS was closer to 500K. |
|
|
|
Posted: 1/4/2021 4:13:25 PM EDT
[#25]
Quote HistoryQuoted: You pay (stupid high) MN taxes your whole life with the agreement being the state then takes care of certain aspects of retirement. Then you go to collect on your end of the deal and they take your shit for the privilege of you having paid taxes. How many fucking times is it OK for the state to take your money again? They made the deal, not me. Yes, it is a stupid deal, but it is what it is until we change it. Either play the game smart or stupid, but make no mistake: you ARE playing the game regardless. What expenses does the state of MN agree to pay in return for paying MN taxes? |
|
|
|
Posted: 1/4/2021 4:14:23 PM EDT
[#26]
Quote HistoryQuoted: Or you live your life without relying on the government that doesn't give a shit about you. But that's not the game. The game has become "pay us the taxes peasant, and we'll take care of you down the road" followed by "now we want more to take care of you, because fuck you pay me". |
|
|
|
Posted: 1/4/2021 4:16:11 PM EDT
[#27]
There's nothing at all wrong with MN doing this. However as you pointed out they're just leaving in loopholes - probably because most of the people who write the laws know about and use them.
The real answer is to not provide any loopholes, or not provide free medical care at taxpayer expense, IMO. |
|
|
|
Posted: 1/4/2021 4:16:41 PM EDT
[#28]
Quote HistoryQuoted: Quite truthfully, the system all but prevents that. Nothing to have a $250k year worth of medical expenses if you have say a valve replacement. Buy you pay what you can until your assets are exhausted, and THEN get on public assistance. My father's assisted living was about $5500 a month, his income from Social Security and the VA was about $3000 a month. So we had to spend down his assets until his net worth was below $1000 before he was eligible for public assistance. He died in April at 91 with a few hundred dollars in the bank. |
|
|
|
Posted: 1/4/2021 4:17:49 PM EDT
[#29]
|
|
|
|
Posted: 1/4/2021 4:21:20 PM EDT
[#30]
Place everything in Trust. Do it sooner rather than later. Medicaid and Medicare have a 5 year look back I believe.
|
|
|
|
Posted: 1/4/2021 4:22:59 PM EDT
[#31]
Quote HistoryQuoted: Maine has been doing this for YEARS. Is it OK for tax payers to be footing the bill for a person who is capable of suporting them self( by selling their 125k RV?) and instead pass that 125K RV to their kids? There are exemptions for heirlooms of a certain value IIRC. My FIL has late term COPD and isn't gonna last much longer. He won't go in a nursing home so we take care of him 24/7. |
|
|
|
Posted: 1/4/2021 4:23:46 PM EDT
[#32]
I guess it's better not to own anything then...
|
|
|
|
Posted: 1/4/2021 4:23:49 PM EDT
[#33]
Quote HistoryQuoted: Or, I don't know, maybe just pay for your own medical care and not expect the state to do it for you. How many millions can you afford? |
|
|
|
Posted: 1/4/2021 4:23:55 PM EDT
[#34]
News Flash. It ain't just MN.
|
|
|
|
Posted: 1/4/2021 4:25:15 PM EDT
[#35]
Quote HistoryQuoted: How many millions can you afford? Why should you, or anyone, get millions of anything if they can't afford it? |
|
|
|
Posted: 1/4/2021 4:26:09 PM EDT
[#36]
Quote HistoryQuoted: Or, I don't know, maybe just pay for your own medical care and not expect the state to do it for you. Do you also do house calls with your medicine bag and vapor rub? It ain't the 50's anymore homie. Health care racket is meant to bleed you dry. Play smarter not harder. |
|
|
|
Posted: 1/4/2021 4:26:44 PM EDT
[#37]
Quote HistoryQuoted: Or, I don't know, maybe just pay for your own medical care and not expect the state to do it for you. This. None of the old people in my family are on medical assistance programs. Even my commie fucking grandparents in Maine pay their own way. |
|
|
|
Posted: 1/4/2021 4:27:42 PM EDT
[#38]
Quote HistoryQuoted: What expenses does the state of MN agree to pay in return for paying MN taxes? Quote HistoryQuoted: Quoted: You pay (stupid high) MN taxes your whole life with the agreement being the state then takes care of certain aspects of retirement. Then you go to collect on your end of the deal and they take your shit for the privilege of you having paid taxes. How many fucking times is it OK for the state to take your money again? They made the deal, not me. Yes, it is a stupid deal, but it is what it is until we change it. Either play the game smart or stupid, but make no mistake: you ARE playing the game regardless. What expenses does the state of MN agree to pay in return for paying MN taxes? These programs are the "reasons" we pay high taxes, or so it was sold. |
|
|
|
Posted: 1/4/2021 4:29:05 PM EDT
[#39]
Thought every state was this way
Eat your estate up in the first few years then they are happy with medicare till you die That's why I quit my job to take care of dad in his final days to save out farm and construction business Even then if he wouldn't have had tricare the cancer treatments alone would have taken a massive bite |
|
|
|
Posted: 1/4/2021 4:30:25 PM EDT
[#40]
Quote HistoryQuoted: You pay (stupid high) MN taxes your whole life with the agreement being the state then takes care of certain aspects of retirement. Then you go to collect on your end of the deal and they take your shit for the privilege of you having paid taxes. How many fucking times is it OK for the state to take your money again? They made the deal, not me. Yes, it is a stupid deal, but it is what it is until we change it. Either play the game smart or stupid, but make no mistake: you ARE playing the game regardless. Quote HistoryQuoted: Quoted: So... Old people are expected to pay their medical bills? Shocker. Then you go to collect on your end of the deal and they take your shit for the privilege of you having paid taxes. How many fucking times is it OK for the state to take your money again? They made the deal, not me. Yes, it is a stupid deal, but it is what it is until we change it. Either play the game smart or stupid, but make no mistake: you ARE playing the game regardless. This. MN soaks you hard for taxes your whole life, but gives disability, health insurance and other bennies to elderly refugees that just show up old and have never worked a day in this state. |
|
|
|
Posted: 1/4/2021 4:30:34 PM EDT
[#41]
Quote HistoryQuoted: You're missing the key point. We need to keep these old codgers just barely alive. Otherwise how will the government generate massive death numbers during the next plandemic? Quote HistoryQuoted: Quoted: Miss me with this responsible shit. I want muh cradle to grave welfare state. Define "old codger". What's the opinion of decades of life support of 20 year old hero that wouldn't wear a helmet for brain injuries from a motorcycle wreck. Dang delinquents. No responsibility for their bad decisions ... |
|
|
|
Posted: 1/4/2021 4:31:52 PM EDT
[#42]
They are simply fixing the property loophole.
|
|
|
|
Posted: 1/4/2021 4:31:54 PM EDT
[#43]
Quote HistoryQuoted: What expenses does the state of MN agree to pay in return for paying MN taxes? Quote HistoryQuoted: Quoted: You pay (stupid high) MN taxes your whole life with the agreement being the state then takes care of certain aspects of retirement. Then you go to collect on your end of the deal and they take your shit for the privilege of you having paid taxes. How many fucking times is it OK for the state to take your money again? They made the deal, not me. Yes, it is a stupid deal, but it is what it is until we change it. Either play the game smart or stupid, but make no mistake: you ARE playing the game regardless. What expenses does the state of MN agree to pay in return for paying MN taxes? Exactly. Is there a promise of unlimited and free medical care upon retirement? We need to move beyond the "I pay some taxes so I should get anything I damn well please!" mentality. That leads to socialism. |
|
|
|
Posted: 1/4/2021 4:32:45 PM EDT
[#44]
Whats wrong with it? If you rely on the state...ie...MY tax dollars (Which it isnt as I dont live there)....Then why shouldnt your estate repay that?
Kids want the estate? Kids can take of their parents. |
|
|
|
Posted: 1/4/2021 4:33:22 PM EDT
[#45]
That's probably true everywhere
|
|
|
|
Posted: 1/4/2021 4:33:34 PM EDT
[#46]
This is nothing new, all states have this AFAIK. I know Nevada does because when my mom's estate went through probate the copy of the order recognizing my mom's will as valid had my address (I was executor and sole beneficiary) as well as the state's medicaid estate recovery unit's address as who they sent it to. My mom never had any covered medical assistance so the state got squat from her estate. My mom was in a rehab hospital for the second time and she was put on private pay since she did not want to get with the medical care program. I love you mom but dammit you were too fucking stubborn! Since medicare no longer covered her stay there the staff filed an application with medicaid to cover it. When medicaid called me up to ask about her finances for eligibility they told me based on my answers that she did not qualify-I told her she better not with her sizeable IRA that she had. My mom had to pay $10,000 for her last month of care out of pocket. The lesson is if you are on medicare follow the doctor's instructions or it can get real expensive real quick. I am just glad that mom had the resources to not have this be a financial burden on her and me.
|
|
|
|
Posted: 1/4/2021 4:34:36 PM EDT
[#47]
Quote HistoryQuoted: Exactly. Is there a promise of unlimited and free medical care upon retirement? We need to move beyond the "I pay some taxes so I should get anything I damn well please!" mentality. That leads to socialism. Quote HistoryQuoted: Quoted: Quoted: You pay (stupid high) MN taxes your whole life with the agreement being the state then takes care of certain aspects of retirement. Then you go to collect on your end of the deal and they take your shit for the privilege of you having paid taxes. How many fucking times is it OK for the state to take your money again? They made the deal, not me. Yes, it is a stupid deal, but it is what it is until we change it. Either play the game smart or stupid, but make no mistake: you ARE playing the game regardless. What expenses does the state of MN agree to pay in return for paying MN taxes? Exactly. Is there a promise of unlimited and free medical care upon retirement? We need to move beyond the "I pay some taxes so I should get anything I damn well please!" mentality. That leads to socialism. Until then, you can't have it both ways (high taxes and no payout). High taxes/spending and big government or Small government and far less taxes/spending You only get to pick one, not smash them together. |
|
|
|
Posted: 1/4/2021 4:35:25 PM EDT
[#48]
Quote HistoryQuoted: States have been doing that for some time. If you go into a nursing home, the cost is far above what you can pay. The state takes over and if you are married, they divide your shit and take what they want. We were facing that when my mom got sick. Dad was looking at losing half of their stuff, we had started filling out the mountain of paperwork. Until the Social Worker said, "Wait a minute, wasn't your mom a vet?" Everything changed from that point on. The VA paid for everything until she died. Dad is doing ok and when his time comes he is happy that he won't lose everything. No matter how good your insurance is, once you reach end of life, you get dumped in Medicare. And they want you to die as fast as possible, but not before they take as much as they possibly can. We have lots of family land that I don't ever want the state to get. Told my wife when I am about to die to say her goodbyes and drop me off at the VA. At least it will be over quickly 
|
|
|
|
Posted: 1/4/2021 4:37:28 PM EDT
[#49]
Quote HistoryQuoted: Or, I don't know, maybe just pay for your own medical care and not expect the state to do it for you. Yes I agree We need to zero out Medicare/Medicaid as a start |
|
|
|
Posted: 1/4/2021 4:37:34 PM EDT
[#50]
Quote HistoryQuoted: Exactly. Is there a promise of unlimited and free medical care upon retirement? We need to move beyond the "I pay some taxes so I should get anything I damn well please!" mentality. That leads to socialism. Quote HistoryQuoted: Quoted: Quoted: You pay (stupid high) MN taxes your whole life with the agreement being the state then takes care of certain aspects of retirement. Then you go to collect on your end of the deal and they take your shit for the privilege of you having paid taxes. How many fucking times is it OK for the state to take your money again? They made the deal, not me. Yes, it is a stupid deal, but it is what it is until we change it. Either play the game smart or stupid, but make no mistake: you ARE playing the game regardless. What expenses does the state of MN agree to pay in return for paying MN taxes? Exactly. Is there a promise of unlimited and free medical care upon retirement? We need to move beyond the "I pay some taxes so I should get anything I damn well please!" mentality. That leads to socialism. IMO, some of it is bitterness that the costs are shared (and needlessly inflated) by government both being the middleman and by government providing said services to people who have paid ZERO of their due into any sort of support system (illegals, refugees etc) |
|
|
Win a FREE Membership!
Sign up for the ARFCOM weekly newsletter and be entered to win a free ARFCOM membership. One new winner* is announced every week!
You will receive an email every Friday morning featuring the latest chatter from the hottest topics, breaking news surrounding legislation, as well as exclusive deals only available to ARFCOM email subscribers.
AR15.COM is the world's largest firearm community and is a gathering place for firearm enthusiasts of all types.
From hunters and military members, to competition shooters and general firearm enthusiasts, we welcome anyone who values and respects the way of the firearm.
Subscribe to our monthly Newsletter to receive firearm news, product discounts from your favorite Industry Partners, and more.
Copyright © 1996-2024 AR15.COM LLC. All Rights Reserved.
Any use of this content without express written consent is prohibited.
AR15.Com reserves the right to overwrite or replace any affiliate, commercial, or monetizable links, posted by users, with our own.
