Assembling a Medicaid application can be a time-consuming and stressful process. It is important to proceed in an orderly fashion to achieve the best results and obtain qualification as quickly as possible. This checklist will help you to assemble the critical documents and get the process moving. For those of you who are thinking ahead, this can be your guide to what documents should be copied and kept in a safe place.
Applicant’s Personal Information
- Driver’s License or Identification card
- Social security card
- Marriage certificate
- Birth Certificates
- Copy of Power of Attorney(s) Medical and/or Financial, Guardianship, or Conservator documents (if applicable)
- Health Insurance card(s) (both front and back)
- Military discharge papers. Many DHS offices will insist that the applicant apply for veteran’s benefits and the discharge papers will be important in that process. For some veterans, assisted living may be an affordable alternative to the nursing home if they qualify for the aid and attendance pension.
Income and Asset Information
- Proof of all income, including, but not limited to, paycheck stubs, social security and other retirement income, unemployment benefits or veterans benefits. It is important to note that DHS will require statements that show the annual benefits received. Direct deposit records or monthly stubs are not sufficient for the application, but they are a helpful starting point.
- Current (within last 30 days) statements for all bank accounts, savings, checking, certificates of deposit, and retirement accounts. This would include IRAs and 401(k) accounts.
- Statements for all life insurance policies or annuities showing ownership, face value and current cash surrender value. Insurance companies are notoriously slow in providing this information and it is best to assemble a well-organized list of contact numbers and policy information as soon as possible.
- Copies of all United States Savings Bonds. Savings bonds are difficult to deal with in an estate or asset protection plan. It is usually best to obtain the cash surrender value early in the process–and keep a record of the transaction.
- Copy of all vehicle titles.
- Copy of deeds for all real property. Be sure the copy shows that the document has been recorded with the appropriate register of deeds.
- Copy of Cemetery Lot Deed or burial accounts.
- Copy of Prepaid Funeral Arrangements.
- Documentation of any prior gifts from applicant in the past 36 months e.g. gifts to another for educational expenses; transfer of assets to another, etc. Please note that Michigan will not impose a look back period longer than 36 months until after February, 2009.
- Utility Bills
- House and car insurance policy statements
- Health Insurance premiums (personal or company paid)
- Mortgage payments or lot rent receipts
- Property taxes
- Medical bills for the last 3 months (if any)