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Senior immigrants
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Medicare & Insurance
Senior immigrants
Share Medicare dos and don’ts, including eligibility and supplemental insurance.
  Your citation of Dr Calver’s precepts in “The 5 Percent Solution” in the AARP January-February 2012 Bulletin was both inspiring and pertinent for several reasons. My father&r
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Cat:91a4afbf-9555-4e02-b9d3-9eef604476f6Forum:c79f53c3-fa71-4e76-b517-aef042efd7ff
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Forums » Health » Medicare & Insurance » Senior immigrants

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Forums  »  Health  »  Medicare & Insurance  »  Senior immigrants

Senior immigrants

posted at January 14, 2012 9:18 AM EST
Posts: 2
First: January 13, 2012
Last: January 14, 2012

  Your citation of Dr Calver’s precepts in “The 5 Percent Solution” in the AARP January-February 2012 Bulletin was both inspiring and pertinent for several reasons. My father’s life has also been guided mostly by those health commandments; and, moreover, my father is also from Argentina. Nevertheless, such principles may not be enough to safeguard the wellbeing of today’s aging population, and I respectfully suggest that you give further consideration to additional factors that may be of strong interest to your readers.

  As a child, my father would take me out on summer nights to look at the stars and talk about the Universe. We read encyclopedias on weekend mornings and discussed scholastic articles on several  topics. That is how both my sister’s and my interest for science flourished from early on, and that is how we grew up to become scientists. Both my sister and I received higher education degrees in Argentina and migrated to the US soon after we graduated with our Doctorates. My dad had always instilled in us the admiration for the US, because he shared the ideals of freedom, justice, responsibility, integrity, progress, and fair reward. Thus, both my sister and I, having grown up with these principles, immediately felt at home in this country and we proudly became US citizens. We are very grateful to this country for having welcomed us here.

  I have worked for many years in biomedical research, and currently, in the aerospace field. My sister is a Faculty member at a renowned university. We have daughters that equally promise to be good contributors to society. The oldest is already a Harvard graduate. We are proud of our accomplishments; yet humble enough to think we still have a lot to learn, improve, and give back.

  As the years went by, my sister and I continued to think about our parents back in Argentina and how they were going to grow old. Being both the only children of European immigrants to Argentina (in the early 1900s, boats were simultaneously arriving in New York and in Buenos Aires), with their two daughters now in the US, there is no family left to watch after them in Argentina.  Therefore, my sister and I always planned to eventually bring them to be with us to the US, where they could age in the company and care of their close (and only) relatives.

  I diligently worked towards obtaining the status of Legal Permanent Residents (LRP) for them, which they acquired more than 6 years ago, under the support of policies like “Family Reunification”.  Given our limited resources, I researched and conducted their entire immigration process, following the USCIS instructions, without participation of any attorney (whose fees I would not be able to afford).  Unfortunately, we continue to encounter significant hurdles in the process that are largely the result of our lack of information about the system. Thus, I’d like to suggest an article for your bulletin that deals with the subject of senior immigrants and the benefits available to them. This would be very beneficial to other families planning to bring their elderly parents to the US.

  The conundrum mostly applies to lower middle class families that are also highly educated people. Once the LPR reaches 5-years of continuous physical residence in the US (if the adjustment of status occurred after 1996), my parents would be eligible for benefits, according to the current legal framework. These benefits would include eligibility for Medicare.  However, in my parents’ case, since they never worked in this country, they only qualify for the “buy-in” program. At nearly 80 years of age, this represents around $750 per month in costs for each of them. The amount of $1500 monthly is unaffordable to them/us. Furthermore, in Texas, they are not eligible for Medicaid on the basis of being eligible for Medicare (which initiates a circular reasoning difficult to escape).

  At the moment we are facing the heartbreaking decision that they may have to return to their home country, where no family remains to care for them, and in the eventual but likely scenario that they finish their days in an assisted living facility, they will get one visit per year from their relatives at best.

  The irony of the situation is highlighted each time I have to take my parents to a doctor’s appointment at the local public hospital. Houston has an outstanding medical center, and the Harris County Health District (including Ben Taub General Hospital) does wonders seeing thousands of low-income patients per day. While the waiting time is long (often 5 hours or more) and the patient does not get to choose the appointment time, everybody has the chance to be seen by a health care professional.  Nevertheless, this set-up is not enough for patients with significant weakening or life-threatening heath conditions that demand immediate attention, such as my parents, nor does it works for their working-aged children with demanding full time jobs and additional family responsibilities (both my sister and I are single-parents with two school aged children each).

  In sum, the time has come for my sister and I to make the heartbreaking decision to send my ailing parents back to Argentina, with strong feelings of guilt and failure for letting my parents down during their last years. I suppose that what my family can offer is not enough to cover the costs of protection for my elderly parents: the lives we worked hard for in this country guided by the principles of scholastic excellence, professional accomplishments, and personal responsibility – and for that matter also the health commandments of Dr Calver—were simply not enough.

  I wonder many other people are in a similar situation to ours and would benefit from a well-researched article on this subject. I recognize this is not your general target audience, but it may raise awareness on the need to have a system of benefit-eligibility that is more centered on a case-by-case basis than on a one-size-fits-all approach.

 

 

 

Re: Senior immigrants

posted at January 14, 2012 10:30 AM EST
Posts: 1923
First: November 27, 2011
Last: May 18, 2013
In Response to Senior immigrants:
     I wonder many other people are in a similar situation to ours and would benefit from a well-researched article on this subject. I recognize this is not your general target audience, but it may raise awareness on the need to have a system of benefit-eligibility that is more centered on a case-by-case basis than on a one-size-fits-all approach.      
Posted by susana100


I do feel for your situation and that of your parents - they sound like wonderful, smart & caring people.  However, part of that responsibility connected to our freedom that your Dad so believed in, is planning for the future. 

Aging is not a process that comes on us all at once.  We know some day that we will have needs for help in health care and perhaps more just daily living. 

I am currently paying $ 3200 a month for my Mom in Assisted Living and this is at a low care level now; it will go higher.  Her other monthly expenses are similar to others her age(89):
Medicare Part B - $ 100
Medicare Part D - $   62
Medicare Supple - $ 196
Her part of her medicine cost & medicine not covered:  $ 60
She receives $ 1150 per mo in SS, $ 86 pension, $ 50 per mo in dividends - needless to say, the outgo is far more than income because of her daily needs.

My mother never had too much money saved but did own her home so I did some planning of her assets through the years and she will have care for many years however, her care will be dependent upon the funds that are available since she does not qualifiy for any government assistance until a massive paydown has occurred.

We all have unique situations but we all have to change & adapt based on our planned resources and take care of the ones that don't have anything. 

Those that rely upon others (government) to provide whatever, do have to accept the rules put into play to accomplish this task, not just for them, but for millions of others that want & need help.


Re: Senior immigrants

posted at February 2, 2012 11:47 AM EST
Posts: 1
First: February 2, 2012
Last: February 2, 2012

How does a U.S. Citizen handle the case of immigration relating to bringing into U.S. his or her parents from Canada?  The parents are on limited pension income and so, will be assisted by the U.S. citizen when living in the country.  Would AARP cover the medical insurance and  will the U.S. government cover them under the medicare program ?

Re: Senior immigrants

posted at February 16, 2012 3:15 PM EST
Posts: 373
First: October 22, 2011
Last: May 3, 2013
One of the problems we have are limited support for those that haven been giving to social security and medicare. Many who rely on these worry about how long they will have enough coverage to handle their own costs. I think if one of us were to migrate to another country some of our benefits would still be available to us. Do not some of these other countries provide some support for those that lived in the other country so much of their lives? It has become a difficult problem since our own protection by some of hese supports are now being called into question. How can the US be expected to also support those who come late in their lives and would like to stay but now face medical coverage problems. It seems the only solutions here are to get what might be available from their country of origin, the support of their family, and some charities that might be able to help. Our government is looking at what they call entitlements which sadly includes medicare and social security and possible cuts.

Gail what you are doing is very admirable.

Re: Senior immigrants

posted at April 2, 2012 11:48 PM EDT
Posts: 4
First: February 4, 2010
Last: April 7, 2012
Frankly I resent senior immagrants being eligible for any SS or Medicare.  They didn't pay into and for them to come to a foreign country and expect to take advantage a program they never paid into is appalling.  I respect your wanting to take care of your parents but you should be doing it on your dime and not on the backs of the citizens of your adopted country.  If you are so concerned about your parents maybe you should consider moving back to Argentina.  This may sound cold and unfeeling but SS and Medicare has been a political volley ball and is abused by  political parties, refuges and immagrants to this country.  Those that paid into and collect SS themselves have been cheated out of cost-of-living raises and have to deal with diminishing and inadequate health care.  There are countless senior citizens in this country that worked hard throughout their lives, paid into SS and retirement programs and still can't afford to live the comfortable life they had planned.  Social Security despite what you hear is NOT an enttilement program like welfare or programs you may get through a State.  This is a program that people pay into for their entire working life, it comes out of their checks and was meant to be used to take care of those retired/retiring, disabled workers or families where the bread winner has passed on.  The SSA has abused it by making it an entitlement program through SSI.  What does your native country do to provide for it's retired citizens and what exactly is it that you expect this country to pay for?

Re: Senior immigrants

posted at April 4, 2012 11:31 AM EDT
Posts: 373
First: October 22, 2011
Last: May 3, 2013
They do refer to these programs as entitlement programs which is a misleading term. All the term means is that benefits are a result of rights or law, and not the charitable interpretation some attach to it. These programs are earned by those who receive them and should not be looked at as the same as welfare programs which do not have the same basis of receipts. It is a difficult situation the person faces, but it would seem the only recourse is for one of them to take in the parents and pool their resources while also looking for charitable organizations that might be able to assist them. 

Re: Senior immigrants

posted at April 5, 2012 11:49 AM EDT
Posts: 1923
First: November 27, 2011
Last: May 18, 2013
In Response to Re: Senior immigrants:
Frankly I resent senior immagrants being eligible for any SS or Medicare.  They didn't pay into and for them to come to a foreign country and expect to take advantage a program they never paid into is appalling.  I respect your wanting to take care of your parents but you should be doing it on your dime and not on the backs of the citizens of your adopted country.  If you are so concerned about your parents maybe you should consider moving back to Argentina.  This may sound cold and unfeeling but SS and Medicare has been a political volley ball and is abused by  political parties, refuges and immagrants to this country.  Those that paid into and collect SS themselves have been cheated out of cost-of-living raises and have to deal with diminishing and inadequate health care.  There are countless senior citizens in this country that worked hard throughout their lives, paid into SS and retirement programs and still can't afford to live the comfortable life they had planned.  Social Security despite what you hear is NOT an enttilement program like welfare or programs you may get through a State.  This is a program that people pay into for their entire working life, it comes out of their checks and was meant to be used to take care of those retired/retiring, disabled workers or families where the bread winner has passed on.  The SSA has abused it by making it an entitlement program through SSI.  What does your native country do to provide for it's retired citizens and what exactly is it that you expect this country to pay for?
Posted by maxieru


Unless they had worked in this country in the past, enough to qualify for our SS or Medicare program based on the relationship that our country has with their country, they would not get our SS or Medicare.  I don't believe they could get SSI (Supplemental Security Income) either which does not come out of the SS fund - it comes from the general fund and is only administered by the SSA.

However, they might qualify for MEDICAID.  According to this Kaiser Health News article, there is a push to find LEGAL immigrants and get them enrolled into something for health coverage as specified by the PPACA law (Obamacare).

Kaiser Health News 09/05/2011:   Reaching Out To Legal Immigrants Who Need Health Care

From the article:
"The law requires states to make Medicaid available to all people with incomes up to 138 percent of the federal poverty level (just under $31,000 for a family of four) beginning in 2014. . . . . That includes coverage for a large portion of childless adults who previously did not qualify.

Illegal immigrants still aren't eligible for Medicaid, but, since 1996, legal immigrants who have been in the United States for at least five years are eligible. In addition, starting in April 2009, states have had the option of lifting the five-year residency requirement for pregnant women and children.

. . . . It's difficult to estimate how many immigrants will become eligible for Medicaid under the law. About 4.4 million immigrants would qualify on the basis of income and their having lived in the country at least five years. However, that number also includes illegal immigrants who are not eligible, which makes a final tally difficult."

Re: Senior immigrants

posted at April 5, 2012 2:50 PM EDT
Posts: 12532
First: February 29, 2008
Last: May 17, 2013
In Response to Re: Senior immigrants:
Frankly I resent senior immagrants being eligible for any SS or Medicare.  They didn't pay into and for them to come to a foreign country and expect to take advantage a program they never paid into is appalling.  I respect your wanting to take care of your parents but you should be doing it on your dime and not on the backs of the citizens of your adopted country.  If you are so concerned about your parents maybe you should consider moving back to Argentina.  This may sound cold and unfeeling but SS and Medicare has been a political volley ball and is abused by  political parties, refuges and immagrants to this country.  Those that paid into and collect SS themselves have been cheated out of cost-of-living raises and have to deal with diminishing and inadequate health care.  There are countless senior citizens in this country that worked hard throughout their lives, paid into SS and retirement programs and still can't afford to live the comfortable life they had planned.  Social Security despite what you hear is NOT an enttilement program like welfare or programs you may get through a State.  This is a program that people pay into for their entire working life, it comes out of their checks and was meant to be used to take care of those retired/retiring, disabled workers or families where the bread winner has passed on.  The SSA has abused it by making it an entitlement program through SSI.  What does your native country do to provide for it's retired citizens and what exactly is it that you expect this country to pay for?
Posted by maxieru


It's not a reason of "meanness"   The fact is the USA  cannot or should not support the world's people because we barely take care of our own that well.     1 of 4 women depend on SS for 90% of their -income living in or near poverty.      Few seniors can leave an inheritance which is badly needed in some cases by their children because the last years of the senior's
 lives are generally so expensive they virtually are bankrupt.
   

Re: Senior immigrants

posted at April 5, 2012 4:14 PM EDT
Posts: 373
First: October 22, 2011
Last: May 3, 2013
In Response to Re: Senior immigrants:
In Response to Re: Senior immigrants : Unless they had worked in this country in the past, enough to qualify for our SS or Medicare program based on the relationship that our country has with their country, they would not get our SS or Medicare.  I don't believe they could get SSI (Supplemental Security Income) either which does not come out of the SS fund - it comes from the general fund and is only administered by the SSA. However, they might qualify for MEDICAID.  According to this Kaiser Health News article, there is a push to find LEGAL immigrants and get them enrolled into something for health coverage as specified by the PPACA law (Obamacare). Kaiser Health News 09/05/2011:   Reaching Out To Legal Immigrants Who Need Health Care From the article: "The law requires states to make Medicaid available to all people with incomes up to 138 percent of the federal poverty level (just under $31,000 for a family of four) beginning in 2014. . . . . That includes coverage for a large portion of childless adults who previously did not qualify. Illegal immigrants still aren't eligible for Medicaid, but, since 1996, legal immigrants who have been in the United States for at least five years are eligible . I n addition, starting in April 2009, states have had the option of lifting the five-year residency requirement for pregnant women and children. . . . . It's difficult to estimate how many immigrants will become eligible for Medicaid under the law. About 4.4 million immigrants would qualify on the basis of income and their having lived in the country at least five years. However, that number also includes illegal immigrants who are not eligible, which makes a final tally difficult."
Posted by GailL1

"A legal immigrant can get access to health insurance coverage under the Medicare scheme provided he or she has lived in the country for a minimum of 5 years. The individual should also be aged above 65 years in order to qualify for this clause stated by the Centers for Medicare and Medicaid. Under this clause, immigrants staying for at least 5 years and aged over 65 can buy Part A Medicare or hospital insurance for a monthly payment of 319 dollars and Part B Medicare or medical insurance for a monthly price of 54 dollars."
http://www.healthinsurancequotes.com/2010/08/ways-for-legal-immigrants-to-get-health-insurance/

"If legal residents (non US citizens) HAVEN’T worked in the U.S., there MAY still be a possibility to “buy in” to Medicare (differs state to state) provided that they’ve resided in the United States for five continuous years or more, and are, of course, 65 years or older. In these select cases, though, premiums are much higher compared to what US citizens would pay. To be concise, actual work history decides how much Medicare recipients have to pay for their health coverage.
come citizens."
http://www.seniorcorps.org/medicare/how-does-a-green-card-holder-become-eligible-for-medicare/

This surprised me since it appears legal immigrants can buy into it, even though they did not work here.

Re: Senior immigrants

posted at April 5, 2012 4:18 PM EDT
Posts: 373
First: October 22, 2011
Last: May 3, 2013
In Response to Re: Senior immigrants:
In Response to Re: Senior immigrants : It's not a reason of "meanness"   The fact is the USA  cannot or should not support the world's people because we barely take care of our own that well.     1 of 4 women depend on SS for 90% of their -income living in or near poverty.      Few seniors can leave an inheritance which is badly needed in some cases by their children because the last years of the senior's  lives are generally so expensive they virtually are bankrupt.    
Posted by JANMB


As posted above apparently legal immigrants can buy into the program even if they have not worked as long as they are 65 and have been here for 5 years. It does not seem fair to us who have paid into medicare that these supportive funds come out of medicare since they have not contributed to it. It is bad enough that Obama is stealing money from Medicare to support his bankrupting Obamacare.
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