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my mother is insisting on helping to pay and give a gift. My son is ok with probably not getting a gift in later years. I will call Medicaid on Tuesday to get a firm answer. Thanks for your ideas and suggestions.
"To qualify for Medicaid in Pennsylvania, you must also have few resources, or assets. The resource limit for individuals whose income is below 300% of the FBR ($2,163/month in 2014) is $2,000 for an individual, but the program also “disregards” $6,000 in assets, so you can actually have up to $8,000 in resources and still qualify."
I don't know if this "disregarding" of assets is unique to PA, but I think most of us have not experienced it. Hence our confusion.
Medicaid pays for Mom's nursing home, and Mom probably gets a person needs allowance of about $45. Has this been adequate for her hair care, extra treats, and things that cost money? Has she not had to dip into her $8,000 reserve? If she is now getting by without using the $8,000 reserve she can probably get by with a $5,000 reserve. After all, most nursing home people on Medicaid in other states get by with $2,000.
Does Mom have other grandchildren? Has she contributed to their weddings or life milestones in this way? Are there younger ones who might not get this treatment when they marry in a few years?
I don't know what, if any, restrictions there are on the reserve money. For my mother it was only $2,000 and she had to dip into it from time to time to be able to afford her hair appointments. So the question of gifting any of her money never came up for us.
In your case, I would contact Mom's Medicaid case worker and ask about restrictions on using that $8,000. If she is allowed to gift it, then I'd think hard about how this might impact family dynamics and future expectations. If it is what Mom really wants, and it won't cause hardship or ill-will in the family, and it is legal, go for it!