Reply to Are your parents in a nursing home paid by Medicaid? Are you concerned the program will get cut?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]It’s a separate program and long term care Medicaid and not regular Medicaid.  Doubt they coul cut it as where would people go?[/quote]

Women will be expected to stay home.  [/quote]

As a woman I did this but at some point it is not manageable without help.  Long term Medicaid was our only option.  Most people cannot do it especially with young kids. [/quote]

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.[/quote]
DP.
There are ways to keep the house, please don’t dramatize. 
I haven’t seen many women on the street unless they have mental health issues. [/quote]

How do you keep the house? Please share the ways. [/quote]

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL[/quote]

So you really don’t know. [/quote]

I know that people do it. So it’s possible. [/quote]

Nursing homes come under long term care Medicaid. It’s a different program than regular Medicaid with separate qualifications and rules.  [/quote]
So? I was talking about it being possible to keep the house [/quote]

It is only possible to keep the house IF there is a community spouse. But if an elderly person lives at home and is cared for by an adult child, the house has to go if the adult child is no longer able to care safely for their parent at home and must move into LTC. There might be a situation where the house is now in the adult child’s name, but there is at least a 5-year look back period to see if there has been a divestiture of assets. [/quote]

There are lots of rules to keep the house and sone savings if a partner or disabled family. [/quote]

How about you provide the cites for what you keep claiming. As I indicated, the community spouse is able to keep the house and some savings ($150ish, perhaps more now with COLA). If the community spouse then needs LTC in a nursing home, then the house needs to be sold @ FMV (doesn’t need to be sold @ any price if the market is under water) IF the house is in their name.

There may be legal steps the family took to keep the house out of consideration for Medicaid LTC, but that would need to have been done at least five years prior to the application.

Perhaps there are exceptions that I am not aware of, but I have been through this process a number of times in two different states and the only instances in which the house was not sold was when it was in the name of a family member and that action had been taken at least five years prior to the application (and, of course, when there is a community spouse still residing in the home).

I am not aware of circumstances of when there is a disabled family member - separate from the community spouse - living in the home and able to retain it. But this would not apply to an adult child who is the caretaker, unless they are disabled. I am confident that there are probably stringent guidelines defining disabled and is not determined solely by that individual.

There are a few fora on DCUM where folks come seeking guidance on what can be difficult legal/economic matters. Vague claims of what can be done are not going to cut it when one has to complete the very detailed Medicaid app for LTC. Of course, comments in the elder care forum should never substitute for legal advice, yet we also do not need to perpetuate claims that are not accurate. Or have so many exceptions that they do not apply to the majority of people. [/quote]

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