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A nursing home resident always needs an advocate keeping that staff and administration on their toes. Never trust a facility on good faith that they'll take good care of your LO. Not even the high-end places, but especially the Medicaid ones. If you keep them on their toes, your person will get decent care.
If she has unprotected assets like real estate, bank accounts, or insurance policies these will have to be liquidated and will go towards cash-paying her in a care facility until they run out. Then Medicaid kicks in.
So she can go into managed care.
During the skilled nursing/rehab stay, the patient is evaluated for appropriate discharge (this is where, as has been pointed out, the OP tells them she can not provide care and a discharge to home is unsafe. May have to say it repeatedly!) and that patient needs long term care (LTC). OP should discuss with a certified elder care attorney who is familiar with Medicaid in her state but I can guarantee OP will need LO's birth certificate, marriage and divorce papers, rent mortgage receipts, (deeds of all property owned) bank statements --- all going back about 5 years so she should start working on that immediately. In NJ you need to spend down to $2000. but each state is a bit different.
The Medicaid app process is not that bad........... it's the hunting for the documents they require that is exhausting!
I did check if she qualified for Medicaid, but nope. I did add the AARP insurance for caregiver needs and options on hospital beds, etc. The addition to her Part A and PART B. was at no extra cost. If the doctor(PCP) approves the needed care the United Healthcare AARP plan pays for overnight and daily care I think it was 40 hours a week. Maybe you could make a plan for hours that would allow you to work and live with the hours they can support. We managed around the hours they can arrange. The insurance pays for the care costs. Anyway, it's helpful having someone who can move her to avoid bedsores, etc.
be sure to check into Miller Trusts (also called Qualified Income Trusts) if your loved one is spent down (no assets left besides a couple of thousand dollars)…But still has too much income per month. I believe many states will allow you to set aside up to 4K or so of extra income, in order to get into Medicaid. For example, a person makes 5k per month but needs to make $2,800 or so per month to qualify for Medicaid. Thus, you set aside $2,200 per month into the Miller trust (see an attorney to set it up) and then all of the trust will one day go to the center, I believe upon death. In the meantime, the center receives their remaining monthly income of $2,800 because they are now utilizing Medicaid.
Go in to your local Agency On Aging if you need help with any of the following or for anything. First ask for an Options counselor.Often they even have volunteers who can help with legal questions or who help you at home. Ask about Certified Medicaid planners. Also you can check with the Alzheimer's Assoc.
https://www.dementiacarecentral.com/medicaid/assisted-living-waivers
An HCBS Waiver is a way to get an LO into assisted living or memory care at no cost if the LO's money can be spent down or put into a Qualified Income Trust or similar Medicaid-approved trust. It's paid by the state and Medicaid both.
https://www.dementiacarecentral.com/medicaid/assisted-living-waivers
These are for a.l. or memory care.
https://www.eldercareresourceplanning.org/medicaid-benefits/hcbs-waivers/
https://www.nolo.com/legal-encyclopedia/safe-ways-spend-down-your-assets-qualify-medicaid.html
https://www.medicaidplanningassistance.org/getting-paid-as-caregiver/