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Take care,
Carol
Only saying
Grace & Peace,
Bob
To me this is only fair. Medicaid is paid for by the taxpayers, it is not an 'entitlement' program in the same way that Medicare is where you will have paid into the system through payroll taxes.
For people who rent and are moderately low income, moving to a Subsidized apartment can lower your outgoing expenses enough to free up more money to pay a caregiver or cleaning and laundry and grocery shopping help.
The money you pay a caregiver is exempt from calculation in your rent amount
Example
Income 2,000$ a month
Medical insurance and caregiver costs per month 900.00$
Income used to calculate rent is 1100.00$
It may help your money to last longer.
Good Luck
Good luck.
First of all, let me warn you that if you have an unexpected medical emergency, there are definitely going to be unexpected medical expenses. If you're eligible for Medicaid, you definitely don't want to turn it down for this reason because unexpected medical expenses can be very high and drain your extra money very quickly. Additionally, private insurance can run pretty expensive per month. I checked into getting extra insurance beyond Medicaid, and I was told that policies start well over $100 per month. The only reason why I started looking for other coverage before I found out about my inheritance money is because I was having an awful time getting some things covered that were medically necessary. Some of the medications ordered for me were actually substituted for offbrands, meaning they were under another name. This is why I started looking for additional coverage. One thing that was mentioned to me by one insurance company if you get any other coverage and Medicaid finds out about it, you could lose your Medicaid. If you're on medical assistance along with other public programs, you really can't afford to buy expensive healthcare policies because your federal benefit money is very limited to a very small amount. This is why people are often very grateful for extra money, and that money so definitely be protected in some way or another.
What you can do is speak to your bank manager if you have extra money that you need to protect. You can see what your bank has offer, and if they don't have anything suitable for you, you can always check other banks.
Have you ever considered putting the money into a trust or annuity? They only downfall of having a trustee is the risk that they could easily steal from you. I recently learned this from a lawyer when I was investigating the possibility of putting my inheritance money into a trust. After hearing at least one nightmare story, I'm now rethinking the trust idea and I am considering an annuity. Yes, you can use some of the money to pay off what absolutely needs paid most, which is what I'm doing when my money comes. Another thing you can consider doing with your money is getting a car if you don't already have one and you need one. If you already have a car, you may want to consider whether or not keeping it is actually worth it since older cars would require you to pour money into them to restore them. Sometimes getting a new one is actually much better since you know that you won't be pouring money into it and depleting your savings.
There's another thing you can do with your body is to put it into a CD, which is the safest possible investment. Of course there may also be special high interest-bearing accounts that can help you to grow your savings.
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