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[quote=Anonymous][quote=Anonymous]A financial planner would be a help but so would a thorough understanding of what a screwed up system it is. We paid $7K a month for my mother to share a tiny room in ASF. Fortunately she had long tern care insurance. She never did qualify for Medicaid despite having no assets, then they put her out. We cycled through several homes and when the money ran out, she died. Look into the Medicaid thing. They have a reach back of 5 years, so assets need to go into an irrevocable trust to someone else 5 years before you need a AFF. You really need someone you trust, preferable out side of the family to manage the trust.[/quote]

There are two different types of medicaid.  One is regular medicaid which is very difficult to get.  We tried and were denied.  Your income has to be very low - under $800 or so... we were barely over the income limit.  Then, there is the long term care medicaid - this is just to pay for nursing homes ...that is what we are getting the nursing home paid for.  They do look 5 years back BUT, if you have documentation on that the money was spend on the care, it is not a big deal.  We just had to provide proof as best as we could about the money and no one gave us a hard time.  Very few homes take the medicaid despite them saying they do.  They will insist on you coming in private pay first (or guaranteeing payment if medicaid does not come through as you go in medicaid pending and it takes a few months to be approved). and we are having that issue with the home we are using as they just asked us to sign a guarantee for payment and we refused.  If they put her out, they will have to work with APS as we do not have the space or ability to provide care.  [/quote]

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