Reply to 11k/mo income, are there really no choices?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Op, what their kids are right about -- the elders need to leave NoVa. NoVa is just too expensive.[/quote]

Op here.  They’re actually in NY, but yes, the same principle applies.

I appreciate the references to military facilities.  Looks like most of those would require him to qualify for independent living at time of entrance, which he wouldn’t at this point.  The rehab facility believes he’d qualify for assisted living at discharge.

There are things going on with my cousins that I don’t understand.  My NJ cousin is working with a lawyer to somehow shelter their assets/income so they qualify for Medicaid.  They want them out in Ohio asap and have my aunt live with her daughter and my uncle in skilled nursing rather than AL.   It breaks my heart.  It’s a significantly lower quality of life than what they’d have living together in assisted living, whether that was in NY or OH.  My aunt is being put under tremendous pressure to agree to the move without them explaining what she’s agreeing to or what the options really are.

There are family dynamics at play that I can’t deal with.  I wish my aunt were more like the stubborn elderly people that others post about.  Instead she’s trying to make everyone else happy at a time of her life when she should be prioritizing herself.  [/quote]

I think medicaid has a 5 year lookback period.  So, aunt and uncle will likely have to pony up cash for living for at least 5 years.  Some kids resist placing in a home to avoid depleting assets [/quote]

The home is protected in a trust for over 5 years, so that part is done. It’s worth about $300k and I have to think between that and the remaining pension, she’d be okay in a place in OH once her spouse is gone.  I don’t know how the lawyer plans to hide my uncles $9k pension/ss and $2k veterans benefit.  I genuinely don’t understand why that seems to be the goal rather than getting them in comfortable, least-restrictive setting. [/quote]

The lawyer isnt trying to hide money. Easiest way to lose your law license is to try to help someone cheat MC or MA. Your cousins aren’t important enough for any lawyer to risk their livelihood. The lawyer has s trying to structure their assets so that money lasts as long as possible.

I said it on your other thread but here’s some of what you’re missing. Your aunt and uncle arent going to be at the same level of care indefinitely. So you need to have enough assets available to pay for your aunt when your uncle’s condition declines. That takes a lot of planning and coordination. And government programs typically only start paying for residential services at nursing home level. Once your uncle hits that level, how will you cover care for your aunt.

And, seems like you’re understanding at this point but cost of the program is only part of the picture. Each facility is different plus adddd costs depends on their lifestyle and interests. [/quote]

I didn't mean to imply there was something illegal going on.  There were conversations started with the lawyer before we had the clearer picture of their income and assets.  I think we all literally assumed it was half of what it was, maybe $3k coming in monthly, no savings, and only the value of the $300k condo.  If that were the case, assets would be quickly depleted and uncle's care would come under medicaid before too long and we'd be thinking hard about protecting my aunt.

My cousin seems to be proceeding as if that were still true, rather than the fact that income is $9k monthly and could be higher with the VA supplement, and they have another $200k cash.  He is pressuring my aunt to move immediately to his sister's house and move my uncle to a nursing home out there.  He will not be doing any of the care, it will be my other cousin managing both her elderly parents and a disabled spouse, on top of her full-time job.   If my sister and I hadn't offered to help after my aunt's recent hospitalization, my aunt would have been driven out to her daughter's house with just the clothes on her back, leaving my uncle alone in a rehab facility hundreds of miles away.

It's a very difficult situation, and we're dealing with family dynamics we simply don't understand.   [/quote]

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