Reply to Eldercare is tearing my family apart

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]My mom is caring for my grandma right now.  It’s tough.  My grandma refuses to hire 24/7 care, so my mom is her slave.  I don’t know how much more my mom can take.  My grandma is so selfish. 
[/quote]

We have 24-7 in home care for my parents. It costs 15k a month. She may not be able to afford it[/quote]

If she can’t afford expensive in home care then she needs to opt for an affordable center. If she really has no financial means other than SS and Medicare, the bill will be covered out of that at a decent facility. It’s unfair to destroy her daughter to have the experience she can’t afford.[/quote]

Not to nitpick but to educate: SS and Medicaid will pay for your stay at a long term care facility, though much more difficult to find a bed at and will not be nearly as nice as a private pay facility.
Medicare you get at 65 (a few other ways but for this purpose it’s 65) and is there for hospital stays, subacute rehab up to a certain point, but is not the payer a nursing bed.
Medicaid has to be applied for, and be prepared for the nursing facility to take all of your SS and give you between $40-60/month depending on your SS benefits. [/quote]

Medicare doesn't pay for nursing home.  They pay for a rehab stay and that can transition to a nursing stay but this isn't accurate.  Depending on the state, you get a bed, you apply for medicaid and hope you are approved.  Most nursing homes will not take new medicaid as its risky for them as they take you without it being approved.  In MD, its about $78 dollars a month, however, if there is a spouse, they allow that spouse to keep their home, some income and cars but they will go after the estate to recoup any left over money when both pass.  Every state has different rules and some states (not MD) pay for some in home care.  MD medicaid will pay for minimal home care if Dad goes into a  nursing home for over 30 days and then returns home but its a few hours a week.[/quote]

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