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[quote=Anonymous][quote=Anonymous]My MIL is in a nursing home paid for by Medicaid. The requirements for Medicaid vary by state and I am not sure how they would determine residency for your dad, but they may go by the state of the nursing home he is in, since he would be living in the nursing home.

In Virginia, where my MIL is, the eligibility criteria are a maximum income that is 300% of the SSI amount for an individual (which would equal about $2700/month in 2023) and no more than $2000 in assets. So if your dad’s pension + social security puts him above $2700/month, I am not sure if Medicaid becomes an option.

In my MIL’s case, she met the income requirement (only social security, no pension) and had about $20k in assets when she had a hospital stay that led to nursing home care. We put some of that into a funeral trust, which is an allowable way to spend down assets, and then paid for the nursing home privately out of her funds until she was below the $2000 line. In the month we applied, we paid the nursing home less than the monthly cost until she was below $2000 and they were able to get the rest from Medicaid. So when your parent’s assets are high, that is what you do—you private pay until they qualify for Medicaid, and possibly talk to a lawyer about how to protect some of their assets if there are a lot. We did not talk to a lawyer because my MIL did not have much, and the funeral trust took care of nearly all of it.[/quote]

To the person who posted all this -- thank you.  
Thank you for explaining how it all works. [/quote]

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