It is my understanding that a recent Pa. law'/ruling makes parents of adult children responsible for medical debts of those children. I have a 45 yo son who is in the process of running up huge medical bills. He has a bare bones policy in his name....no involvement or mention of me in the policy but I do have the monthly premium withdrawn from my Acct ea. month as he has no money to speak of and only makes 17 thousand/ year. I got this info from a Pa. lawyer but have been assured by 3 other Pa. lawyers and an insurance broker that I must have misunderstood as unless I co-signed or guaranteed payment the responsibility for anything unpaid or over limits of his insurance are his responsibility.One of your associates ( Luci ) yesterday asssured me I am off the hook but I wanted another opinion from your company.
State/Country relating to question: Pennsylvania
Actually, PA has a "filial responsibility law" and this can indeed make a parent liable for necessary debts of an indigent child and makes a child liable for debts of a parent. Pursuant to 23 Pa.C.S.A. § 4603:(a) Liability. --(1) Except as set forth in paragraph (2), all of the followingindividuals have the responsibility to care for and maintain orfinancially assist an indigent person, regardless of whether theindigent person is a public charge:(i) The spouse of the indigent person.(ii) A child of the indigent person.(iii) A parent of the indigent person.(2) Paragraph (1) does not apply in any of the following cases:(i) If an individual does not have sufficient financial abilityto support the indigent person.(ii) A child shall not be liable for the support of a parentwho abandoned the child and persisted in theabandonment for a period of ten years during the child'sminority.Under Section 1 (iii) it does say a parent of an indigent person can be liable unless according to Section 2) you do not have sufficient financial ability to support the indigent person.This law is most frequently used to make children liable for the medical care of their parents, but as you read the text of the law above it can be possible for the law to make the parent liable for the care of an indigent child. However, your son has to be proven indigent to hold you liable. See Also: Healthcare Retirement Corp. of America v. Pittas 2012 PA Super 96 (2012).
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