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Since Medicaid is a state-specific program, your best bet is to use some of sis's accumulated funds to take her to an elder law attorney (www.nelf.org) and get a plan in place for her and Das.
This is not a diy project.
What is the medical condition of your father? Sister?
You may need to get guardianship of your sister. A lawyer can advise you better than we can.
Also, a sudden decline can be caused by a UTI. Please get that checked.
Sis is young. Did she live with Dad before her diagnosis? If so, yes a contract could have been done where she paid rent to help cover expenses. But if she moved in after the diagnosis and receiving SSD because of it, IMO she was not competent to make a contract.
I would see an Elder lawyer. I would take what money she has and place her in Long-term care. Depending on how much that is will depend on how much she has. In my State you only have 90days from date of application to find a place, spend down money and get info needed to Medicaid. With my Mom, she had 20k. I started the application in April, she paid for May and June, I confirmed in June with the caseworker Mom was spent down and he had all info needed, Medicaid started July 1st.
The other thing you may be able to do thru the Elder Lawyer is set up a "Special Needs Trust" to protect the money she already has. But its limited in how it can be spent and when she passes, it will revert to Medicaid p, they will take what they paid for in care and the beneficiary gets the rest, if anything. So maybe better spending it on her care because paying privately for even the 2 months Mom did, gets you in the door.
I did not suggest Memory Care because they are private pay and limited in the care they give. If sister is declining fast, better to place her in LTC with Medicaid paying for her care when her money runs out. I placed Mom in an AL hoping her house would sell, it didn't. So 8 months later I got her into a nice LTC. With her decline, should have started with the LTC.
This part is interesting: "In my State you only have 90days from date of application to find a place, spend down money and get info needed to Medicaid." Wow, that is quick, but it makes sense. So finding the place first is important. She actually has a bit more than your mom. I'm in the process of pre-paying her funeral expenses, but it's looking like around $40K. After that is expended, I hope that the LTC facility can help us apply for the waiver to get the timing right. Do you think a place with an "Alzheimer's wing" would be "memory care? or LTC?"
My dad thought ahead and got a "third-party special needs trust" for her when he passes. I'm still not sure about the specifics, but I'm hoping that this pays for her care.
Thank you again.
Unfortunately, the money was allowed to accumulate. There should have been cash withdraws every month that then get stashed.
Your father does not have to let the free rent and board arrangement continue.
There can be reasons to justify your father taking some of her money. Room and board. Caregiving services. Talk to the lawyer. They will help him.
The question now is whether Sister has a POA acting for her and what the POA stipulates the POA can do.
You are saying that her condition has worsened SUDDENLY. Was this discussed with her MD? She should have a physical to rule out UTI or other problems.
Now on to spending Sister's monies on Dad's house. Not really morally a good to my mind. If sister has saved funds they stand to pay for her care in long term care facility. Once spent down then she is free to apply for Medicaid.
I would see an elder law attorney to discuss with him, because there are a lot of questions here, and I think we cannot know all the options for this case, or who can make decisions about those options. I sure wish you all the best of luck.
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