美国白卡不白拿,小心死后房产被政府收走!
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">不少在美国的华人会<span style="color: black;">运用</span>白卡(Medicaid,又<span style="color: black;">叫作</span>医疗<span style="color: black;">补贴</span>计划)的福利,<span style="color: black;">由于</span>在美国看病实在太贵。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">一旦<span style="color: black;">运用</span>白卡,看病护理都<span style="color: black;">再也不</span>用花钱。<span style="color: black;">然则</span>,白卡是给低收入者的低保福利,<span style="color: black;">倘若</span>本身申请白卡的民众自己有房产,那就要<span style="color: black;">重视</span>了!</span></span></span></p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-axegupay5k/a6b9bfb6cb4a4ac48651d6107e7bef57~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1721446018&x-signature=7UjheYUTihSpVanm%2B3q1H7HbFTA%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">白卡遗产追讨计划”Medicaid Estate Recovery Program(简<span style="color: black;">叫作</span>:MERP)会在白卡<span style="color: black;">运用</span>者因病去世后提出索讨,生前房产<span style="color: black;">亦</span>可能被没收。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">萨尔瓦托与癌症斗争<span style="color: black;">数年</span><span style="color: black;">最后</span>去世,他的女儿桑迪在父亲去世一年后,收到了麻州政府向她追讨17.7万美元的白卡(Medicaid)医疗<span style="color: black;">补贴</span><span style="color: black;">花费</span>,并威胁说,<span style="color: black;">倘若</span>她不尽快替她父亲还清这笔钱,政府就会起诉,<span style="color: black;">需求</span>收走她父亲的房产。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">她以为是麻州搞错了,但<span style="color: black;">火速</span>她就<span style="color: black;">认识</span>到自己错了。这是联邦政府<span style="color: black;">需求</span><span style="color: black;">每一个</span>州执行的例行程序:</span><strong style="color: blue;"><span style="color: black;">在白卡受益人死后回收资产。这些人在生命的最后几年依赖于医疗<span style="color: black;">补贴</span>计划(Medicaid,俗<span style="color: black;">叫作</span>白卡)——这是纳税人为<span style="color: black;">哪些</span>申报自己是穷人的美国人<span style="color: black;">供给</span>的核心医疗保险。</span></strong></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">持有房产<span style="color: black;">一般</span>不符合白卡医疗<span style="color: black;">补贴</span>的资格。</span></strong></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">但<span style="color: black;">针对</span><span style="color: black;">哪些</span>年龄超过55岁、<span style="color: black;">运用</span>白卡支付<span style="color: black;">长时间</span>护理<span style="color: black;">花费</span>(如养老院住宿或家庭医疗保健)的人,则<span style="color: black;">必须</span>遵守"遗产追缴计划"(estate recovery programs)。</span></span></span></p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/631260740388463fb3df3cf1e9992755~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1721446018&x-signature=1uDNXArVumwJ2HEipneFB0ZOn9Y%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">本月,一名民主党议员提议彻底<span style="color: black;">拔除</span>这个“残忍”的项目。批评人士认为,该计划回收的<span style="color: black;">花费</span>太少,大约占白卡每年用于<span style="color: black;">长时间</span>护理的1500多亿美元的1%。<span style="color: black;">她们</span>还<span style="color: black;">暗示</span>,许多州<span style="color: black;">无</span>警告那些报名参加白卡的人,一旦<span style="color: black;">她们</span>去世,<span style="color: black;">她们</span>的家人可能会面临巨额账单和房产追缴。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">洛格兰德说,这<span style="color: black;">便是</span>她在父亲去世后与麻州打了两年官司的<span style="color: black;">原由</span>。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">在父亲2016年去世前的几年,她曾向当地一家非营利组织寻求照顾年迈父亲的<span style="color: black;">意见</span>。该组织<span style="color: black;">意见</span>她为父亲申请白卡。她<span style="color: black;">乃至</span>记得询问过<span style="color: black;">倘若</span>父亲有房子的问题,但对方向她<span style="color: black;">保准</span>,<span style="color: black;">仅有</span>在她父亲被送进养老院的<span style="color: black;">状况</span>下,州政府才会要房子。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">“他绝对不会签署任何会让他的家<span style="color: black;">处在</span>危险之中的协议,”她说。</span></span></span></p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/d60508b73ba04c91976a8414f76ff9b4~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1721446018&x-signature=PaJziudypgwTTjX9kc4Co%2BKacWg%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span style="color: black;">数年</span>来,她的父亲每年都会收到州医疗<span style="color: black;">补贴</span>办公室发来的续签<span style="color: black;">通告</span>。她说,直到他去世后,州政府<span style="color: black;">需求</span>支付17.7万美元,她才看到了他的<span style="color: black;">第1</span>张护理账单,其中<span style="color: black;">包含</span>因癌症<span style="color: black;">病痛</span>在医院短暂住院、服药和临终关怀。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">该州于2019年与洛格兰德夫妇达成和解,松手了对这所房子的所有权。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span style="color: black;">按照</span>2021年一份报告,各州围绕这一恢复过程的政策差异很大,该委员会向国会提出了政策<span style="color: black;">意见</span>。<span style="color: black;">有些</span>州会对房屋实行留置权(lien),而另<span style="color: black;">有些</span>州则不会。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">与此<span style="color: black;">同期</span>,<span style="color: black;">有些</span>白卡办公室试图从病人身上收回所有的医疗<span style="color: black;">花费</span>,<span style="color: black;">例如</span>看<span style="color: black;">大夫</span>或开处方,而另<span style="color: black;">有些</span>办公室只是追求<span style="color: black;">长时间</span>护理的成本。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">阿拉斯加州和亚利桑那州近年来只收走了几十处房产,而其他州则收走了数千处房产,总价值达数亿美元。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">代顿每日<span style="color: black;">资讯</span>(Dayton Daily News)的一项调查<span style="color: black;">发掘</span>,纽约州和俄亥俄州在这方面的追缴额位居全国之首,一年的房产追缴总额超过1亿美元。</span></span></span></p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/c61f7565617c49f5bf46423c381dac2c~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1721446018&x-signature=OQPJ7DDdSLlSt17hKWKdHHtsVZE%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">上个月,该行业最大的健康保险巨头之一呼吁麻州彻底改革其流程,其中<span style="color: black;">包含</span>追讨白卡<span style="color: black;">花费</span>的数额超出了联邦政府追讨<span style="color: black;">长时间</span>护理<span style="color: black;">花费</span>时设定的最低<span style="color: black;">需求</span>。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">该<span style="color: black;">公司</span>的医疗<span style="color: black;">补贴</span>政策主管凯瑟琳·霍伊特说,房地产被收走“有可能使财富差距和代际贫困永续下去”。</span></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span style="color: black;">因此</span>最后<span style="color: black;">亦</span>想提醒下华人同胞,美国的福利申请都很容易,政府<span style="color: black;">亦</span>都是在默许申请人诚实守信的前提下,会先<span style="color: black;">准许</span><span style="color: black;">关联</span>福利;<span style="color: black;">然则</span><span style="color: black;">倘若</span>您不符合福利申请<span style="color: black;">要求</span>,请不要随意申请,小心政府秋后算账。</span></span></span></p>
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