What is the name of your state (only U.S. law)? OHIO
My 49 year old spouse is terminally ill. I am the sole family wage earner. We own a house, jointly titled with joint tenancy, with a mortgage. We have several joint credit card accounts and bank accounts. She has a $100K universal life insurance policy, naming me as beneficiary. About five months ago, she alone decided to begin hospice care, and signed paperwork from the hospice provider authorizing them to bill medicare and/or our health insurance for reimbursement. I did not sign any hospice agreement accepting any financial responsibility. She is not qualified for any social security or medicare benefits (not enough quarters). Our health insurance has a very limited hospice benefit of $2500. Had she remained under non-hospice medical care, most of her medical expenses would have been fully covered under our plan's catastrophic dollar thresholds, although she may not have received the same comfort care. Are the hospice care bills subject to the doctrine of necessaries like medical bills would be, making me liable for any residual debt (if any) not paid by the estate?What is the name of your state (only U.S. law)?
My 49 year old spouse is terminally ill. I am the sole family wage earner. We own a house, jointly titled with joint tenancy, with a mortgage. We have several joint credit card accounts and bank accounts. She has a $100K universal life insurance policy, naming me as beneficiary. About five months ago, she alone decided to begin hospice care, and signed paperwork from the hospice provider authorizing them to bill medicare and/or our health insurance for reimbursement. I did not sign any hospice agreement accepting any financial responsibility. She is not qualified for any social security or medicare benefits (not enough quarters). Our health insurance has a very limited hospice benefit of $2500. Had she remained under non-hospice medical care, most of her medical expenses would have been fully covered under our plan's catastrophic dollar thresholds, although she may not have received the same comfort care. Are the hospice care bills subject to the doctrine of necessaries like medical bills would be, making me liable for any residual debt (if any) not paid by the estate?What is the name of your state (only U.S. law)?