MIL Savings and Medicaid

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, please speak with someone who is versed in estate planning, especially in view of Medicaid. What is being proposed here sounds sensible, but a Medicaid administrator may see it is an illegal divestment of assets. If that is the case, then your mom would be compelled to recoup those funds then divest of them in a way that they deem legal. It's not worth messing up, especially if your mom were to suddenly need nursing home care.

GL to your mom and to your and your family.

I second this about the risk of Medicaid seeing it as a violation of the look back period. Several hundred dollars for 1-2 hours of a good eldercare attorney’s time, specific to your state’s rules, may save you thousands of dollars later. It should be fine to prepay the (surprisingly hefty) funeral expenses, but I can only speak for Maryland.

Funeral prepay is allowed BUT you want to make sure the expenditures you opt for are within the state guidelines.

Make sure the eldercare attorney is good. Ask them for the types of cases they've had where they've been successful.

Don't waste your money on an attorney given how little there is. There is zero need for it. Just call the office and talk to them. I did it completely without an attorney.

What “office” to you mean when you say “call the office”?

The long term care medicaid office. That's how I did it. I went in and met with a worker for a few minutes. Then, found a nursing home bed, which took months, then applied and was approved (only issue was I could not account for some of the money but I had proof who took it so they waive that).

Well, you were quite fortunate as not every office will "waive that."

While 30,000 doesn't sound like much, also doesn't sound like OP could easily pay back the 30,000 if the state decided that it was an illegal divestment of assets.

Right. So just put it in an account in OP's name and don't touch it, let it earn a little interest. And it'll be there to pay the state back if it is needed.

No, you have Mom pay you rent and then you can put it in a separate account if you want but you have to clearly document it. DO NOT PUT IT IN OP name. Who ever is giving advice is really going to mess someone up. OP should wait till they need a nursing home and then spend it down per the rules. You can buy clothing, glasses, furniture-bedding- sheets for the nursing home, prepay funeral costs and other stuff.

Ours was waived as I could prove it via emails it was taken and we didn't take it and had no way to get the money back given I had tried.

Again, not every case administrator would accept "no way to get the money back given I had tried." You were very fortunate, but not all will respond in that fashion.

I provided documentation showing someone else sold the car and had the money and that she didn't give it to us. It was very clear in a long series of emails that it was elderly abuse and I filed reports everywhere I could to try to get the person in trouble but sadly no one cared. But, yes, they investigated it and they tried to help us recoup the money.

OP should hang on to that money, private pay for a few months with a nursing home that takes medicaid and once her parent is in the bed, then apply for medicaid. That will be the easiest way to do it.

Perhaps not helpful for OP and others that you waited till now in this thread to report that this was elder abuse. That's very different than saying that they "waived" it as if they may treat these kinds of divestments as fungible.

Glad that it all worked out in the end for your mom and your family.

Either way op should take that money to pay two months for a nursing home till Medicaid is approved. Otherwise it’s very hard to get a bed.

Agree. I ended up very lucky with both of my parents - each one was hospitalized and could only be released to a nursing home. For our dad, we chose the one closest to our parents' house. For our mom, we chose the only nonprofit of the four available in town as it had the best facilities and ended up having great staff (can be easier when employees are not compelled to ration Depends and sheets by corporate overseers). Having some money to private pay is enormously helpful while applying for Medicaid.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, please speak with someone who is versed in estate planning, especially in view of Medicaid. What is being proposed here sounds sensible, but a Medicaid administrator may see it is an illegal divestment of assets. If that is the case, then your mom would be compelled to recoup those funds then divest of them in a way that they deem legal. It's not worth messing up, especially if your mom were to suddenly need nursing home care.

GL to your mom and to your and your family.

I second this about the risk of Medicaid seeing it as a violation of the look back period. Several hundred dollars for 1-2 hours of a good eldercare attorney’s time, specific to your state’s rules, may save you thousands of dollars later. It should be fine to prepay the (surprisingly hefty) funeral expenses, but I can only speak for Maryland.

Funeral prepay is allowed BUT you want to make sure the expenditures you opt for are within the state guidelines.

Make sure the eldercare attorney is good. Ask them for the types of cases they've had where they've been successful.

Don't waste your money on an attorney given how little there is. There is zero need for it. Just call the office and talk to them. I did it completely without an attorney.

What “office” to you mean when you say “call the office”?

The long term care medicaid office. That's how I did it. I went in and met with a worker for a few minutes. Then, found a nursing home bed, which took months, then applied and was approved (only issue was I could not account for some of the money but I had proof who took it so they waive that).

Well, you were quite fortunate as not every office will "waive that."

While 30,000 doesn't sound like much, also doesn't sound like OP could easily pay back the 30,000 if the state decided that it was an illegal divestment of assets.

Right. So just put it in an account in OP's name and don't touch it, let it earn a little interest. And it'll be there to pay the state back if it is needed.

No, you have Mom pay you rent and then you can put it in a separate account if you want but you have to clearly document it. DO NOT PUT IT IN OP name. Who ever is giving advice is really going to mess someone up. OP should wait till they need a nursing home and then spend it down per the rules. You can buy clothing, glasses, furniture-bedding- sheets for the nursing home, prepay funeral costs and other stuff.

Ours was waived as I could prove it via emails it was taken and we didn't take it and had no way to get the money back given I had tried.

Again, not every case administrator would accept "no way to get the money back given I had tried." You were very fortunate, but not all will respond in that fashion.

I provided documentation showing someone else sold the car and had the money and that she didn't give it to us. It was very clear in a long series of emails that it was elderly abuse and I filed reports everywhere I could to try to get the person in trouble but sadly no one cared. But, yes, they investigated it and they tried to help us recoup the money.

OP should hang on to that money, private pay for a few months with a nursing home that takes medicaid and once her parent is in the bed, then apply for medicaid. That will be the easiest way to do it.

Perhaps not helpful for OP and others that you waited till now in this thread to report that this was elder abuse. That's very different than saying that they "waived" it as if they may treat these kinds of divestments as fungible.

Glad that it all worked out in the end for your mom and your family.

Either way op should take that money to pay two months for a nursing home till Medicaid is approved. Otherwise it’s very hard to get a bed.

Agree. I ended up very lucky with both of my parents - each one was hospitalized and could only be released to a nursing home. For our dad, we chose the one closest to our parents' house. For our mom, we chose the only nonprofit of the four available in town as it had the best facilities and ended up having great staff (can be easier when employees are not compelled to ration Depends and sheets by corporate overseers). Having some money to private pay is enormously helpful while applying for Medicaid.

Did either of your parents have to prove they could pay for a certain number of months? My parent has enough in the bank to pay for 4-6 months at the most. No other assets whatsoever and less than $2000 in SS income.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, please speak with someone who is versed in estate planning, especially in view of Medicaid. What is being proposed here sounds sensible, but a Medicaid administrator may see it is an illegal divestment of assets. If that is the case, then your mom would be compelled to recoup those funds then divest of them in a way that they deem legal. It's not worth messing up, especially if your mom were to suddenly need nursing home care.

GL to your mom and to your and your family.

I second this about the risk of Medicaid seeing it as a violation of the look back period. Several hundred dollars for 1-2 hours of a good eldercare attorney’s time, specific to your state’s rules, may save you thousands of dollars later. It should be fine to prepay the (surprisingly hefty) funeral expenses, but I can only speak for Maryland.

Funeral prepay is allowed BUT you want to make sure the expenditures you opt for are within the state guidelines.

Make sure the eldercare attorney is good. Ask them for the types of cases they've had where they've been successful.

Don't waste your money on an attorney given how little there is. There is zero need for it. Just call the office and talk to them. I did it completely without an attorney.

What “office” to you mean when you say “call the office”?

The long term care medicaid office. That's how I did it. I went in and met with a worker for a few minutes. Then, found a nursing home bed, which took months, then applied and was approved (only issue was I could not account for some of the money but I had proof who took it so they waive that).

Well, you were quite fortunate as not every office will "waive that."

While 30,000 doesn't sound like much, also doesn't sound like OP could easily pay back the 30,000 if the state decided that it was an illegal divestment of assets.

Right. So just put it in an account in OP's name and don't touch it, let it earn a little interest. And it'll be there to pay the state back if it is needed.

No, you have Mom pay you rent and then you can put it in a separate account if you want but you have to clearly document it. DO NOT PUT IT IN OP name. Who ever is giving advice is really going to mess someone up. OP should wait till they need a nursing home and then spend it down per the rules. You can buy clothing, glasses, furniture-bedding- sheets for the nursing home, prepay funeral costs and other stuff.

Ours was waived as I could prove it via emails it was taken and we didn't take it and had no way to get the money back given I had tried.

Again, not every case administrator would accept "no way to get the money back given I had tried." You were very fortunate, but not all will respond in that fashion.

I provided documentation showing someone else sold the car and had the money and that she didn't give it to us. It was very clear in a long series of emails that it was elderly abuse and I filed reports everywhere I could to try to get the person in trouble but sadly no one cared. But, yes, they investigated it and they tried to help us recoup the money.

OP should hang on to that money, private pay for a few months with a nursing home that takes medicaid and once her parent is in the bed, then apply for medicaid. That will be the easiest way to do it.

Perhaps not helpful for OP and others that you waited till now in this thread to report that this was elder abuse. That's very different than saying that they "waived" it as if they may treat these kinds of divestments as fungible.

Glad that it all worked out in the end for your mom and your family.

Either way op should take that money to pay two months for a nursing home till Medicaid is approved. Otherwise it’s very hard to get a bed.

Agree. I ended up very lucky with both of my parents - each one was hospitalized and could only be released to a nursing home. For our dad, we chose the one closest to our parents' house. For our mom, we chose the only nonprofit of the four available in town as it had the best facilities and ended up having great staff (can be easier when employees are not compelled to ration Depends and sheets by corporate overseers). Having some money to private pay is enormously helpful while applying for Medicaid.

Did either of your parents have to prove they could pay for a certain number of months? My parent has enough in the bank to pay for 4-6 months at the most. No other assets whatsoever and less than $2000 in SS income.

If your parent is hospitalized, sometimes medicare will pay for a certain amount of days and if that facility accepts medicare, you then do the application while they are in the facility. The important thing is to make sure that facility takes medicaid.

Otherwise, you either go into a bed, then apply for medicaid and hope they get approved OR you private pay for a few months with a facility that accepts medicaid. It usually takes 30-60 days to get approved for medicaid. Best to private pay for a few months to get in. Very hard to get a bed without a hospitalization or private pay, medicaid pending.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, please speak with someone who is versed in estate planning, especially in view of Medicaid. What is being proposed here sounds sensible, but a Medicaid administrator may see it is an illegal divestment of assets. If that is the case, then your mom would be compelled to recoup those funds then divest of them in a way that they deem legal. It's not worth messing up, especially if your mom were to suddenly need nursing home care.

GL to your mom and to your and your family.

I second this about the risk of Medicaid seeing it as a violation of the look back period. Several hundred dollars for 1-2 hours of a good eldercare attorney’s time, specific to your state’s rules, may save you thousands of dollars later. It should be fine to prepay the (surprisingly hefty) funeral expenses, but I can only speak for Maryland.

Funeral prepay is allowed BUT you want to make sure the expenditures you opt for are within the state guidelines.

Make sure the eldercare attorney is good. Ask them for the types of cases they've had where they've been successful.

Don't waste your money on an attorney given how little there is. There is zero need for it. Just call the office and talk to them. I did it completely without an attorney.

What “office” to you mean when you say “call the office”?

The long term care medicaid office. That's how I did it. I went in and met with a worker for a few minutes. Then, found a nursing home bed, which took months, then applied and was approved (only issue was I could not account for some of the money but I had proof who took it so they waive that).

Well, you were quite fortunate as not every office will "waive that."

While 30,000 doesn't sound like much, also doesn't sound like OP could easily pay back the 30,000 if the state decided that it was an illegal divestment of assets.

Right. So just put it in an account in OP's name and don't touch it, let it earn a little interest. And it'll be there to pay the state back if it is needed.

No, you have Mom pay you rent and then you can put it in a separate account if you want but you have to clearly document it. DO NOT PUT IT IN OP name. Who ever is giving advice is really going to mess someone up. OP should wait till they need a nursing home and then spend it down per the rules. You can buy clothing, glasses, furniture-bedding- sheets for the nursing home, prepay funeral costs and other stuff.

Ours was waived as I could prove it via emails it was taken and we didn't take it and had no way to get the money back given I had tried.

Again, not every case administrator would accept "no way to get the money back given I had tried." You were very fortunate, but not all will respond in that fashion.

I provided documentation showing someone else sold the car and had the money and that she didn't give it to us. It was very clear in a long series of emails that it was elderly abuse and I filed reports everywhere I could to try to get the person in trouble but sadly no one cared. But, yes, they investigated it and they tried to help us recoup the money.

OP should hang on to that money, private pay for a few months with a nursing home that takes medicaid and once her parent is in the bed, then apply for medicaid. That will be the easiest way to do it.

Perhaps not helpful for OP and others that you waited till now in this thread to report that this was elder abuse. That's very different than saying that they "waived" it as if they may treat these kinds of divestments as fungible.

Glad that it all worked out in the end for your mom and your family.

Either way op should take that money to pay two months for a nursing home till Medicaid is approved. Otherwise it’s very hard to get a bed.

Agree. I ended up very lucky with both of my parents - each one was hospitalized and could only be released to a nursing home. For our dad, we chose the one closest to our parents' house. For our mom, we chose the only nonprofit of the four available in town as it had the best facilities and ended up having great staff (can be easier when employees are not compelled to ration Depends and sheets by corporate overseers). Having some money to private pay is enormously helpful while applying for Medicaid.

This!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, please speak with someone who is versed in estate planning, especially in view of Medicaid. What is being proposed here sounds sensible, but a Medicaid administrator may see it is an illegal divestment of assets. If that is the case, then your mom would be compelled to recoup those funds then divest of them in a way that they deem legal. It's not worth messing up, especially if your mom were to suddenly need nursing home care.

GL to your mom and to your and your family.

I second this about the risk of Medicaid seeing it as a violation of the look back period. Several hundred dollars for 1-2 hours of a good eldercare attorney’s time, specific to your state’s rules, may save you thousands of dollars later. It should be fine to prepay the (surprisingly hefty) funeral expenses, but I can only speak for Maryland.

Funeral prepay is allowed BUT you want to make sure the expenditures you opt for are within the state guidelines.

Make sure the eldercare attorney is good. Ask them for the types of cases they've had where they've been successful.

Don't waste your money on an attorney given how little there is. There is zero need for it. Just call the office and talk to them. I did it completely without an attorney.

What “office” to you mean when you say “call the office”?

The long term care medicaid office. That's how I did it. I went in and met with a worker for a few minutes. Then, found a nursing home bed, which took months, then applied and was approved (only issue was I could not account for some of the money but I had proof who took it so they waive that).

Well, you were quite fortunate as not every office will "waive that."

While 30,000 doesn't sound like much, also doesn't sound like OP could easily pay back the 30,000 if the state decided that it was an illegal divestment of assets.

Right. So just put it in an account in OP's name and don't touch it, let it earn a little interest. And it'll be there to pay the state back if it is needed.

No, you have Mom pay you rent and then you can put it in a separate account if you want but you have to clearly document it. DO NOT PUT IT IN OP name. Who ever is giving advice is really going to mess someone up. OP should wait till they need a nursing home and then spend it down per the rules. You can buy clothing, glasses, furniture-bedding- sheets for the nursing home, prepay funeral costs and other stuff.

Ours was waived as I could prove it via emails it was taken and we didn't take it and had no way to get the money back given I had tried.

Again, not every case administrator would accept "no way to get the money back given I had tried." You were very fortunate, but not all will respond in that fashion.

I provided documentation showing someone else sold the car and had the money and that she didn't give it to us. It was very clear in a long series of emails that it was elderly abuse and I filed reports everywhere I could to try to get the person in trouble but sadly no one cared. But, yes, they investigated it and they tried to help us recoup the money.

OP should hang on to that money, private pay for a few months with a nursing home that takes medicaid and once her parent is in the bed, then apply for medicaid. That will be the easiest way to do it.

Perhaps not helpful for OP and others that you waited till now in this thread to report that this was elder abuse. That's very different than saying that they "waived" it as if they may treat these kinds of divestments as fungible.

Glad that it all worked out in the end for your mom and your family.

Either way op should take that money to pay two months for a nursing home till Medicaid is approved. Otherwise it’s very hard to get a bed.

Agree. I ended up very lucky with both of my parents - each one was hospitalized and could only be released to a nursing home. For our dad, we chose the one closest to our parents' house. For our mom, we chose the only nonprofit of the four available in town as it had the best facilities and ended up having great staff (can be easier when employees are not compelled to ration Depends and sheets by corporate overseers). Having some money to private pay is enormously helpful while applying for Medicaid.

Did either of your parents have to prove they could pay for a certain number of months? My parent has enough in the bank to pay for 4-6 months at the most. No other assets whatsoever and less than $2000 in SS income.

Our dad had a fall and went to a nursing home/rehab facility under Medicare. He was kicked off Medicare for this kind of coverage in less than 3 weeks due to "insufficent progress." This was accurate but comes at you fast if you are told that your loved one will be there for 30 days under Medicare then a hybrid for 60 more days. Fortunately the nursing home let him ride while I worked my tuches off to get him qualified for Medicaid. Denied once, approved second time, but they took the FULL 45 days to review then deny/approve each of his apps. Our mom also ended up after hospitalization after a UTI. She had roughly 80K in the bank, so we spent that down while applying. Again, denied once, approved second time. I don't think that it was an accident that the deny/approve happened twice or that they took a total of 90 days to review the apps. Some states will do anything to keep folks off the rolls as long as possible. That's why I strongly urge folks to speak with professionals. I was simply going to use the lawyer who had handled our dad's case, but my mom's facility said they could handle it. They failed miserably and I went back to the lawyer for the appeal.

I have a professional grad degree from an Ivy and I was flummoxed with the process, especially for our dad as our mom was the community spouse and allowed some assets, etc.

[Anonymous]

Just skimmed the replies but I didn't see a reminder to you that receipt of rent from an apartment is income and therefore may be taxable. Just another thought as you work through all of this.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, please speak with someone who is versed in estate planning, especially in view of Medicaid. What is being proposed here sounds sensible, but a Medicaid administrator may see it is an illegal divestment of assets. If that is the case, then your mom would be compelled to recoup those funds then divest of them in a way that they deem legal. It's not worth messing up, especially if your mom were to suddenly need nursing home care.

GL to your mom and to your and your family.

I second this about the risk of Medicaid seeing it as a violation of the look back period. Several hundred dollars for 1-2 hours of a good eldercare attorney’s time, specific to your state’s rules, may save you thousands of dollars later. It should be fine to prepay the (surprisingly hefty) funeral expenses, but I can only speak for Maryland.

Funeral prepay is allowed BUT you want to make sure the expenditures you opt for are within the state guidelines.

Make sure the eldercare attorney is good. Ask them for the types of cases they've had where they've been successful.

Don't waste your money on an attorney given how little there is. There is zero need for it. Just call the office and talk to them. I did it completely without an attorney.

What “office” to you mean when you say “call the office”?

The long term care medicaid office. That's how I did it. I went in and met with a worker for a few minutes. Then, found a nursing home bed, which took months, then applied and was approved (only issue was I could not account for some of the money but I had proof who took it so they waive that).

Well, you were quite fortunate as not every office will "waive that."

While 30,000 doesn't sound like much, also doesn't sound like OP could easily pay back the 30,000 if the state decided that it was an illegal divestment of assets.

Right. So just put it in an account in OP's name and don't touch it, let it earn a little interest. And it'll be there to pay the state back if it is needed.

No, you have Mom pay you rent and then you can put it in a separate account if you want but you have to clearly document it. DO NOT PUT IT IN OP name. Who ever is giving advice is really going to mess someone up. OP should wait till they need a nursing home and then spend it down per the rules. You can buy clothing, glasses, furniture-bedding- sheets for the nursing home, prepay funeral costs and other stuff.

Ours was waived as I could prove it via emails it was taken and we didn't take it and had no way to get the money back given I had tried.

Again, not every case administrator would accept "no way to get the money back given I had tried." You were very fortunate, but not all will respond in that fashion.

I provided documentation showing someone else sold the car and had the money and that she didn't give it to us. It was very clear in a long series of emails that it was elderly abuse and I filed reports everywhere I could to try to get the person in trouble but sadly no one cared. But, yes, they investigated it and they tried to help us recoup the money.

OP should hang on to that money, private pay for a few months with a nursing home that takes medicaid and once her parent is in the bed, then apply for medicaid. That will be the easiest way to do it.

Perhaps not helpful for OP and others that you waited till now in this thread to report that this was elder abuse. That's very different than saying that they "waived" it as if they may treat these kinds of divestments as fungible.

Glad that it all worked out in the end for your mom and your family.

Either way op should take that money to pay two months for a nursing home till Medicaid is approved. Otherwise it’s very hard to get a bed.

Agree. I ended up very lucky with both of my parents - each one was hospitalized and could only be released to a nursing home. For our dad, we chose the one closest to our parents' house. For our mom, we chose the only nonprofit of the four available in town as it had the best facilities and ended up having great staff (can be easier when employees are not compelled to ration Depends and sheets by corporate overseers). Having some money to private pay is enormously helpful while applying for Medicaid.

Did either of your parents have to prove they could pay for a certain number of months? My parent has enough in the bank to pay for 4-6 months at the most. No other assets whatsoever and less than $2000 in SS income.

Our dad had a fall and went to a nursing home/rehab facility under Medicare. He was kicked off Medicare for this kind of coverage in less than 3 weeks due to "insufficent progress." This was accurate but comes at you fast if you are told that your loved one will be there for 30 days under Medicare then a hybrid for 60 more days. Fortunately the nursing home let him ride while I worked my tuches off to get him qualified for Medicaid. Denied once, approved second time, but they took the FULL 45 days to review then deny/approve each of his apps. Our mom also ended up after hospitalization after a UTI. She had roughly 80K in the bank, so we spent that down while applying. Again, denied once, approved second time. I don't think that it was an accident that the deny/approve happened twice or that they took a total of 90 days to review the apps. Some states will do anything to keep folks off the rolls as long as possible. That's why I strongly urge folks to speak with professionals. I was simply going to use the lawyer who had handled our dad's case, but my mom's facility said they could handle it. They failed miserably and I went back to the lawyer for the appeal.

I have a professional grad degree from an Ivy and I was flummoxed with the process, especially for our dad as our mom was the community spouse and allowed some assets, etc.

It sounds like your situation was different as there was money involved.

We have a few thousand and that was it. We had no issue getting my mil approved but the hard psrt was finding a bed Medicaid pending. Zero need for an attorney and I did not go to an ivy and yet somehow figured it out.