Community Chat

[persiflage]

There is something called Community Spouse Resource Allowance (CSRA) your Dad would be known as the community spouse 

You can google CSRA  to see how much it is in your state.  For 2024 the minimum amount a state can allow is $30,852 and the maximum is $154,140.  You can at least find out what your state allows.

Also google American Council on Aging, might have helpful info for you until you can speak to a professional.

Good Luck!

[makeup addict]

It's actually less expensive for her to be in a facility than home care in the home. Right after the fall, rehab nursing home was horrible. 30 patients per 1 nurse. They charged 10,000 a month. I wouldn't let my worst enemy stay there. I told Dad we're moving here and he agreed. The place she's at is a nursing home, but she's not on the memory care since she doesn't wonder off. She's on a walker and has Alzheimer's, but other than that, she's fairly healthy, Not bedridden or using feeding tubes (this is what I mean by long term care nursing home). The place she's at is 5000 and has 10 patients per nurse. 

[Skyegirl21]

Agree with others' advice to contact an elder attorney and explain their detailed financial situation ( bring your Dad) , to get the options you have -There are differences based on state.  Do it ASAP.

[makeup addict]

I'm learning a lot about Medicare and Medicaid. At first I was impressed with what Medicare covered, then we got the bills after Medicare paid their share. Ugh. 

[Skyegirl21]

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@makeup addict wrote:

I'm learning a lot about Medicare and Medicaid. At first I was impressed with what Medicare covered, then we got the bills after Medicare paid their share. Ugh. 

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Most private (non medicare) policies usually only cover 80% of everything also these days, and that remaining 20% can amount to a lot, with the ridiculous costs of health care... In other words, there is no winning with health insurance- 🙄

[SaveTheTurtles]

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@ThinkingOutLoud wrote:

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@Alsace Gal wrote:

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@makeup addict wrote:

hi

My parents are in their 80s. Dad is doing good, but my mom has Alzheimer's. She has no short term memory. She still knows who Dad and I are, but she will forget I stopped by an hour after I leave. She had symptoms of dementia since 2018. Due to a fall, we moved her into assisted living 2 years ago. The place is nice and close to their house. Dad sees her daily; I see them weekly.
Parents have a decent nest egg, but eventually funds are going to run out. Is there a way to get mom on Medicaid? I know there is a 5 year look back to see if money has been moved. I think for Medicaid she has to have less than 2k in her checking account for Medicaid, but going down to this amount leaves nothing for my Dad to live on. Their house is paid for and their nest egg will pay for her care for another year. Is there a way for Medicaid to help pay for her care? Is there a way for Dad to keep some money for him to live on? 

I called a lawyer, but he said since mom is not in a skilled nursing home (long term care) he didn't think he could help us. Looking for another firm to talk elder law. 

Thank you

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I'm not an expert on these things. 
I'm going to suggest something which may be distasteful to you and your father.

If they were to divorce your father would be able to keep quite a bit of their savings for himself. I would talk to a divorce lawyer. 
'They've been married for so long and you, your father and family would understand the reason for it.

I wish you well. 

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This is called FRAUD.

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I second that. What an appalling suggestion. 

[Janey2]

Sorry cannot help you. @Carmie  You are an exceptional person.

[Alsace Gal]

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@ThinkingOutLoud wrote:

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@Alsace Gal wrote:

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@makeup addict wrote:

hi

My parents are in their 80s. Dad is doing good, but my mom has Alzheimer's. She has no short term memory. She still knows who Dad and I are, but she will forget I stopped by an hour after I leave. She had symptoms of dementia since 2018. Due to a fall, we moved her into assisted living 2 years ago. The place is nice and close to their house. Dad sees her daily; I see them weekly.
Parents have a decent nest egg, but eventually funds are going to run out. Is there a way to get mom on Medicaid? I know there is a 5 year look back to see if money has been moved. I think for Medicaid she has to have less than 2k in her checking account for Medicaid, but going down to this amount leaves nothing for my Dad to live on. Their house is paid for and their nest egg will pay for her care for another year. Is there a way for Medicaid to help pay for her care? Is there a way for Dad to keep some money for him to live on? 

I called a lawyer, but he said since mom is not in a skilled nursing home (long term care) he didn't think he could help us. Looking for another firm to talk elder law. 

Thank you

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I'm not an expert on these things. 
I'm going to suggest something which may be distasteful to you and your father.

If they were to divorce your father would be able to keep quite a bit of their savings for himself. I would talk to a divorce lawyer. 
'They've been married for so long and you, your father and family would understand the reason for it.

I wish you well. 

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This is called FRAUD.

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No, it isn't, divorce happens for many reasons.

[feline groovy]

Most Medicaid doesn't cover assisted living, but there are some exceptions re: specific things.

Make sure you contact the manager or director of the place, along with an attorney specialzing on Medicaid.

HTH and good luck.