Reply to FIL divested assets and now has no way to pay for MIL's nursing home care.

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote]How Does The Medicaid Look Back Period Work?
The Centers for Medicare & Medicaid Services (CMS) explains that when applying for Medicaid to pay for nursing home care and other services associated with senior care while in a nursing home, the Medicaid eligibility worker asks if the individual recently gave away any assets such as vehicles or money. The representative [u]also asks if the person sold property for less than its fair market value at the time of the sale within the past five years[/u].

[b]This transferring of assets usually results in a penalty, meaning that the person seeking senior living at a nursing home is ineligible for Medicaid, “For as long as the value of the asset should have been used” to pay for the nursing home care.[/b]

The site uses the example that if nursing home care costs $5,000 per month and the individual transferred $10,000, then the person is ineligible for Medicaid for two months. [b]The penalty begins the month of the Medicaid application, not the month the individual transferred the property.[/b]

The individual then potentially qualifies for Medicaid benefits after the Medicaid look back penalty ends. That qualification is contingent upon the person not transferring any assets in any months while serving the initial look-back period penalty.[/quote]

That the transaction was within the family and not arms length certainly does not help.

FIL is an IDIOT. Does he have cognitive issues? Or did he just think everyone else would pony up $ for her expensive care?

He can keep the cabin as it is his residence but he may need to sell it to pay out of pocket for care.

Is his plan that he and MIL will move in with BIL and SIL who will provide the care rather than HHA or a SN facility?

[/quote]

OP here - right now, there is no plan for her to be discharged home. He has back problems and could not be her caregiver. BIL and SIL work full-time.

DH and I need to clarify if long-term care means possibly a short-term SNF stay paid by Medicare or if the recommendation at this point is for long-term care directly from the LTCAH. FIL has not been forthcoming with information, and DH doesn't want to ask clarifying questions. The communication problems in this family drive me nuts.

FIL is a life-long alcoholic. I've asked the extended family if he and MIL ever made any plan for their aging needs, and the answer is no. Per one of his siblings (verbatim): "They never planned for any kind of long-term care." 
[/quote]

You mentioned she has not been able to participate in therapy so unfortunately I likely that Medicare will pay for short term, because they only do so for rehab. I’m so sorry this is very difficult. The LTAC can’t discharge without a plan though (and home without 24 hr care is not a plan) and a long term care facility won’t accept without a plan for payment so the facility is going to have to work with your FIL and help him figure it out. So sorry. [/quote]

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