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I could not agree with you more. I shake my head at some of the advice I read here. There are organizations that will give senior citizens with limited means free legal advice. Yes, Medicaid looks at five years of financial resources and use. Medicaid is regulated by both federal and state law and you need an in-state attorney who knows medicaid rules.
The other thing I want to echo here is that if your goal is simply to spend down her funds to prepare for Medicaid you might be better off simply placing her or getting her on the list for the residence of your choice (or top 2-3) while she would still be self pay and let that spend down her savings so she gets a bed in the place of her choice when she needs it (wait is usually less). Just make sure the chosen residence takes Medicaid residents as well so when it comes time she can stay there. This way the facility will often do the lions share of the paperwork and dealing with Medicaid too. You may find doing a mixture of rent and or care giving contract now while you look for and get her into a residence is the way to go too, much depends on how much there is in assets and her income but again this is different state to state. You are being very wise and a responsible POA planning this out as carefully as yo can and doing your research! Don't forget to stop and enjoy the love through this journey with mom.
Before you implement the Agreement you could have your state's Medicaid office look it over to ensure that it meets their requirements.
Best wishes
https://careconversations.org/
I have found it informative and it has links to the state websites for Medicare and Medicaid as well as discussions about planning for the future of an elderly person.
I agree that you need to continue consulting with the Elder Law Attorney as they know the "little" details that pertain to the state that your Mom lives in and they can make your Mom's life and your life easier as your Mom becomes more and more dependent on others for care.
I used the local lawyer to do the POA with us, as Rose was still competent. Our state had just put out a new form, so the form we did in the other state was not enough. Then we asked about the Will and a care agreement. He immediately said he does not do them, but he recommended an excellent Elder Lawyer who knew all the state laws. First thing the new lawyer did was take Rose in a room alone to determine if she was competent to decide, and if we were treating her right. Did she feel safe, was she happy. Then they rewrote her will also without us. The only thing she discussed with Joe and I was the types of care agreements and their legal needs. Excellent, worth every penny! Covered all possible pitfalls.
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