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I would just spend down the 60k. You are going to need to put her on Medicaid eventually anyway. A&A is not going to stretch her that far. It cost approx 10k or more for Longterm care. 1200 is approx. She may not get that. It would take 8 months of A&A to make 10k. In that time that 60k would be gone in 6.
My Mom had about 20k left when I applied for Medicaid. I applied in April, she was placed May1st and paid May and June privately. In June I confirmed she was spent down and Medicaid had all info needed and Medicaid started July 1st. My state allows 90 days once u apply to spend down, get them info needed and place the recipient.
You will have an easier time getting her in a NH if ur private pay and then apply for Medicaid. I thought my Mom would get A&A too. She brought in 20k a year with SS and a small pension. Had maybe 50k going toward her stay in an AL. So that meant each month that total came down 5k. Her house was not worth 100k. Thats all she had to her name and she was turned down. Since I had already started the Medicaid application, I did not appeal. As said, you can't have both.
If you sell Moms house why she is private paying, the proceeds need to go to her care. It also has to be sold at Market Value if Medicaid is in the future. If its sold while on Medicaid, Medicaid stops and you spend down the proceeds and reapply to Medicaid.
You should speak with Medicaid and the VA to find out what they recommend.
Your mom would be better served by selling the house and self paying until she reaches the 129k mark for AA, bring them back on board and now you are stretching double the funds.
If she is paying privately she will get about 1200 a month if a widow of a Vet.
The home depends on if she is on Medicaid or not. If on Medicaid, it won't matter because she won't get it. If private paying, the rent could be considered income.
You should talk about this with a VA rep.
Am I thinking correctly about this...
Thank you!!!!!
Or does Medicaid even consider her home as part of her assets.