Reply to ISO insight/advice on nursing homes, Medicaid, etc

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote]As I think I mentioned her house is underwater, so that is an additional financial burden for us[/quote]

16:46 again.  I know how very hard this is but you should not be paying on your DM's house.  You are only postponing the inevitable and harming your own financial stability.  Your DM has to face some very hard truths - as do you.  You need to set emotion aside.  It is not your fault if her house is foreclosed on.  One way or another, she has to get out of that house.[/quote]

We are not paying on her house.  I don't know how much background you have in this area, but she can be refused admission to certain housing programs if she has poor credit. [/quote]

Than what does her house being underwater create a financial burden for you?  [/quote]

Us is meant in the familial sense - it is a burden as we are trying to figure how we manage her limited assets.  There is a chance my DM will not be considered "worthy" of a nursing home, so we will need to get her into assisted living where we will need to combine her monthly SS check with her remaining money until that runs out.  But until we get her into assisted living, she needs to make her mortgage.  I have spoken to a number of assisted living and subsidized housing facilities in her community and nearly all of them have indicated that poor credit can have a negative effect on their decision to admit her.

Regarding the other PP, yes, I am intimately aware that her assets need to zero out before she can qualify for Medicaid.  What we are dealing with her is a purgatory of sorts.  She is not well enough to remain @ home, but may not be deemed in a poor enough cognitive state to be admitted to a nursing home - and Medicaid only covers nursing homes.

Finally, she does not live in Maryland so some of the more granular insights offered here do not necessarily apply to her situation.  I do appreciate a PP sharing that they were able to get a parent admitted while Medicaid was pending and will mull on that.  [/quote]

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