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I think the rationale for LTC Medicaid allowing an elder on this program to own their home and their car as an exempt asset for their lifetime is that it is a CONTINUATION OF AN EXISTING OWNERSHIP OF AN ASSET(S) as they maintain a “right of return”. They could - in theory - exit the NH and go back to their home should circumstances change (like their son & his wf is able to move in to caregiver for them); and so they are allowed to keep their old home and their old car for that very distant but still possible possibility.
Would so love an update as to what the caseworker said about this.
When our caregiver left she took a car she was using and refused to return it. I had to file a police report as she became an unauthorized user to protect our home in case of an accident . Also, in AL, there is a law that the house is not considered an asset IF my dad left me the house as I am an adult child with 100% disability. The house is excluded as an asset as I live here and I can't be thrown out. My dad, before his dimensia, added my name to the deed, unbeknownst to me, and I found that the house won't even have to go through probate, if that's possible for you... maybe a bunch of jibberish, but , hope it helps...
I think the "catch" might be can your father legally sign a purchase contract and or can they sign the title?
If this is the one thing can another purchase be made? Pre pay funeral? New hearing aids? Glasses? Up grade a walker or wheelchair? Purchase a large quantity of supplies that will be needed like Incontinence underwear, wipes, ointments? A Lift Chair that he may need as his mobility becomes less and it will be easier just to get in and out of the chair. A TV for his room, a laptop so he can play games. A device like Alexa or Echo. these can be used to monitor him, remind him of a schedule or appointment, used as an alarm clock, turn on or off lights. And if you have one you can "Drop in" on him to monitor him yourself. (scary that that can be done)
Why exactly, does the Gov require the car to be in father's name only?
I don't have the answer, but am exploring this topic.
Not the spend down part, but the insurance part. (Could you become a co-owner of the vehicle?)
I found this:
Health reasons prevent you from driving
If you have a health condition that prevents you from driving, you may still want to consider maintaining auto insurance. If you put your car in storage for a while and your license expires while you recover, keeping a policy in place may protect your financial investment in your vehicle in case anything happens to your car while in storage.
You may also want to keep an auto insurance policy in place if you think you may drive again in the future to avoid a lapse in coverage, which could result in a higher rate when you seek coverage again.
You don’t drive your car, but others still do
Even if you are not the main driver for your car, you likely still need auto insurance to cover your vehicle. You may be able to do this by listing another person as the primary driver of the vehicle and maintaining yourself as an excluded driver on the policy.
Sorry but I think that you will have to buy your own car, with your own money.
I started Moms application in April. She had 20k. She entered LTC May 1st and the 20k paid May and June. June I confirmed with the caseworker that he had all info needed and Mom was now spent down. Her Medicaid started July 1st.
Is this a car for you to drive your dad to appointments and such in,?
Is there some way to title the car so that you can pay for the insurance?