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Probably depends on the state and the bank that was used. I have signed papers designating my son as beneficiary, it automatically goes to him.... doesn't even have to go thru the estate.You might contact the bank and ask... they will help you. good luck.
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If you are not on the bank account, the money in bank account becomes part of estate and is subject to Medicaid lien. Medicaid is supposed to cover expenses that elder assets cannot cover. Money left in bank account that does not have co-owner with right of survivorship is part of decedent estate and an asset that should be used to satisfy debts of the decedent.
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