Reply to Send Mom to nursing home?

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[quote=Anonymous]Neither op or her mom can unilaterally sell the house because it’s in a life estate (this situation is also why a life estate can be risky; you transfer a lot of power to your children or whoever the remaindermen are). Essentially mom continues to pay for house but it’s transferred upon death to kids without being subject potential claim by Medicare etc. because op and her family are living there is only fair that she pays rent (eg half the mortgage;) and should kick in for moms care. The only way to sell the home would be both kids and mom agreeing to this. I am not sure about the Medicaid issues with a life estate: it should be free and clear from claims but any other assets will be used first; and the waitlist for Medicaid (not to mention quality of facility) is long.

Op: get home health and realize that even in a nursing home it’s not ideal. If mom exhausts all other funds you can either sell the home with everyone’s agreement or apply for Medicaid benefits.[/quote]

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