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Have you consulted with a NYC certified eldercare attorney?
If you google "Medicaid and nyc coops", you will get some hits from ''"The Cooperator" the NYC bible of newspapers on coops. Good resource.
ALos, MEDICARE does not care about assets. Medicaid does. Which is why you want a lawyer.
Inaccessible assets do exist.
The ones I’m familiar with are oil & gas / mineral rights royalties. Medicaid can’t make you sell it as it’s an inaccessible asset. Unless your elder had a Spindletop situation (lol), that O&G royalty is going to be like 1/20th of a line that’s in a field that is over several counties (TX,OK) or parishes (LA) and has dz’s of lines. & each line with each their own list of owners. You don’t own the land, just a % of a % on a line. All the lines feed into a wellhead. And head has to actually be in active production to even pay a royalty. Yeah it’s an asset but you can’t really sell your part and the value depends on a whole bunch of others and value fluctuates or has no value. TX Medicaid even has a ? on these for the annual renewal, the royalty paid to elder gets put in & it gets amortized for the year.
The coop is a % of a % & value interdependent on other units, isn’t that it? I bet the coop board position is that medicaid doesn’t have standing in board matters so can’t make a sale happen.
She is the sole owner. She lives alone . This is her first serious
illness.