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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]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.[/quote]

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.[/quote]

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. [/quote]

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.[/quote]

What “office” to you mean when you say “call the office”?[/quote]

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).[/quote]

That’s helpful to know they have an actual office for Medicaid. I hate talking on the phone with these people. Is there one in Maryland?[/quote]

Each county in MD has a long term care medicaid office.  It is NOT the same medicaid office as the regular one.

Montgomery County is this one - I went in and spoke to them but that was before covid.
https://www.montgomerycountymd.gov/HHS-Program/Program.aspx?id=PHS/PHSMALongTermCare-p1027.html

Your mom may also be eligible now for regular medicaid and food stamps so it may be worth applying.  My MIL got food stamps but made slightly over (as in less than $100) so she didn't get medicaid.  There are also rental and utility assistance programs in MoCo as well as some income based assisted living.

If you have nursing home issues, talk to the nursing home ombudsman.[/quote]

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