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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Thing is that usually you have to spend your own assets to cover pre-nursing home care. In most states, Medicaid does not cover assisted living. Other things that people do are to move their elderly parents into their own house and to pay for their care. Not lots of options at all. [/quote]

When you say spending down “own assets” are you talking about OP’s assets or her mom’s? OP shouldn’t have to spend a cent of her own assets. She will need to spend down her mom’s. OP should get POA over her mom now (health and financial) should her mom lose her cognitive abilities or need assistance in applying for Medicaid. Most states do cover LTC with Medicaid (not Medicare).[/quote]

Correct, the assets belonging to person being admitted into the nursing home and who will eventually need Medicaid assistance. Not OP.

And agree on POA as well as a Medical POA. [/quote]

No, the 7:36 poster was talking about *the OP's assests* because they were talking about *pre-nursing home care*, NOT nursing home care. Yes, the mother would spend down her own assets for nursing home care to qualify for Medicaid. But if the mother is not impaired enough to need a nursing home, there are not a lot of options. As the PP said, Medicaid does not cover assisted living, and in many states does not cover any in-home care. If her mother needs help but does not need a nursing home the reality is that the OP will need to kick in for it because there is not a public program for that level of care.[/quote]

No i was not talking about OPs assets. I was saying her mothers assets and I clarified in a later post. Her mother can spend down by buying AL care. When her money runs out, if she doesn’t qualify for SNF care, then you are right. Someone else will have to step in or she will be evicted. [/quote]

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