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As Cat says, many, if not most of us, have gone through this. I know it's hard, but it's better than trouble with the law.
Carol
I am in this situation right now. Mom recently entered a nursing home. Medicare will cover most of the cost for the first 100 days. After that it's $800 per day to keep her there. She is going to need Medicaid. She has about $5000 in the bank plus a house.
What I'd like to know is: Whenever my Mom passes away, will all monies due Medicaid become fully due and payable, or can we pay in installments?
Ideally, we'd like to avoid spending all proceeds from sale of her home to pay medical bills, but don't know if there's a way.
Any advice appreciated; thanks.
Sorry to say that these regulations were tightened up due to abuse and advertisments by "trust advisors" like that video you mentioned.
On a personal note - I am sorry you feel that way about the system - but truly her money is for her care and comfort. Given these tough economic times it is going to be less likely that any state does not enforce these rules no matter what is advertised. The state also goes after money after the person has passed away - so the trust loophole is eroding rapidly.
Take care and I hope you can come to terms with what is rather than what people have been duped into believing by advertising.
I can do now anyway. She made stupid decision based on greed, insecurity,
and lack of trust, and she'd probably make the same decisions again
regardless of the consequences to me. In fact, I found newspaper articles
she had cut out and read which should have informed her of the
consequences, but that's my mother. She's always saying, "look out
for number one," and I guess that's what she was doing : (
My mom won't put her money in no ones name. She trusts no one. My dad is nursing home material as it is. She would rather see the government get it that any of her kids or grand kids. I don't care she can rot on that money for all I care. If some poor person would come take them off my hands I would hand them any inheritance I will (never) get. Ha! Ha!
allowable?
If she is married, and she is putting her huband in a nursing home, you have to spend down all the money except the spouse gets to keep $90,000 to $100,000 plus their house and car.
is primarily in her name because she demanded it be that way,
even though it's the sum total of the life work of my aunt, uncle,
and father (she rarely worked). She's a hoarder, and she's hoarded
everything her whole life. The way things are going, she'll probably
outlive me anyway, I'm at the end of my rope.
without disclosing any personal info - what assets do you have, what is the situation? Seriously, we have all been there and some on this site are quite knowledgable.
be some way to protect what little assets we have.
Lots of times they just rehash the same info and charge you for it.....remember
if they spent money to advertise and charge, it is TOO GOOD TO BE TRUE.
bless you.