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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]You need to protect their estate from the estate recovery! This is all you can do I think. [/quote]

Given how late it sounds like OP's parents are in the game here, it is probably too late for that.[/quote]

Yes, and I tried much earlier. My aunt told my mother that I was trying to steal their money  :roll: My mother was too afraid to make a change. My father had them invested in high risk. So stupid

They now have 7 grand left. 4 or which will go to taxes and HOA fees this month. They also need a new hot water heater. The good thing is they can quality for help when they have less than 2 grand in savings. None of this needed to happen. None.[/quote]

What are they applying for? Sounds like they are both still in their home, yes?[/quote]

Applying to see if they qualify for my sister to be a paid caregiver to them[/quote]

So she would be the caregiver, but remain in the home? Aren't they nearly depleted of funds? Having your sister compensated would be great, but how does covering their other expenses work?

OP, sorry that you are going through this - not ever easy.[/quote]

At this point, we could help them some with taxes/insurance/HOA because I know there is a caregiver. When one goes to nursing home care (or both), since the house is not in an irrevocable trust, Medicaid can force the sale of the house when the other spouse (if living in the house) passes. The first 150K we keep and the government takes the rest. I’d been trying to tell them all that for years, but no one listened[/quote]

Please elaborate on being allowed to keep the first $150k. Is that common? Does this vary by state?[/quote]

Yes, grateful for some elaboration. I believe the "community" spouse, the one remaining in the family home, can retain up to ~$145,000, but not offspring.[/quote]

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