Under Pennsylvania’s Filial Support Law, children can be liable for an indigent parent’s long-term care expenses in Pennsylvania, including payment for outstanding nursing home bills.

Given that the cost of nursing home care is over $12,000 per month, the most prevalent filial support cases arise when there are unpaid nursing home bills.  One or more of the children are sued by the nursing facility to help pay for the indigent (unable to pay) parent’s care.  Facilities have the ability to file these suits because they are considered to be an interested party in the patient’s care.  The Filial Support Law is most often used as a debt collection tool by the nursing home industry.

The Medicaid program (called Medical Assistance in Pennsylvania) serves as protection from the debt collection threat under the Filial Support Law.  However, the Medicaid program’s complex web of rules and regulations poses traps for the unwary. One typical pitfall involves the transfer of assets, or “gifting” by the parent.  The gifts cause a penalty period during which the parent is ineligible for Medicaid due to making the transfers.

Penalty periods arise where transfers of assets are made in the five-year period immediately preceding an individual’s application for Medicaid (the “five-year lookback” period).  While the penalty for gifting during the five-year lookback is not a complete bar to receiving Medicaid long-term care benefits, it can have a significant impact.   Penalty periods roughly correspond to the amount of time in a nursing facility the gifted assets would have covered.

One common solution to cure penalized gifting is for the gift recipient to give the assets back to the Medicaid applicant.  A classic filial support case arises where one or more of the gift recipients refuse or are unable to return the gifted assets.  This is one reason why it is important to consider the ramifications of transferring assets, particularly when the gifts are made directly to children or other loved ones.

Court cases have taught us that a child need not be a “bad actor” or even a gift recipient to be liable for filial support.  Collection agencies for nursing facilities have the ability to choose the defendant in a suit for filial support and may opt for a child who is close in proximity or appears to have greater resources than the other children.  It is therefore important that families work to ensure that Medicaid applications are filed correctly so that eligibility is achieved.  Families would be well served by seeking the advice of experienced counsel to assist them in filing Medicaid applications.

Children do have the ability to defend themselves from suits for filial support. They may attempt to show that they are unable to provide support for their parents due to their own financial circumstances.  Courts have generally been unsympathetic to these claims.  A second defense children may raise is that their parent abandoned them for a period of ten years during “minority.”  This defense has been strictly construed by courts and has not relieved children of liability even where they had terrible relationships with their parents.

Despite the fact that filial support cases are a reality in Pennsylvania, it is important to understand that only a small percentage of children with a parent residing in a nursing facility face filial support liability.  Although the Medicaid program is complicated and poses some traps for the unwary, the maze is navigable, and the benefits are usually the best protection against a filial support claim.  Professional advice in this arena is highly recommended and can make a world of a difference.

Marshall, Parker & Weber is open and available to help you assess what documents you may need or whether your current plan is in good shape. Call us at 800-401-4552 to schedule an appointment. You can also check out our portal for complimentary blog articles, videos and webinars.
We serve individuals and families across Pennsylvania from three convenient office locations.
Phone conferences and home visits are also available.

Share this Article: