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In the U.S. EVERYONE eventually enters into Medicaid. If she has zero funds, then she could already be eligible for Medicaid.
Medicaid covers both assisted living and Long-term care, in all U.S. states.

Find out if she is collecting from her ex-husband's social security.

My crazy old grandmother born in 1933 was married 3 times and, somehow was collecting from more than one ex-spouse's social security. Before she died.

Again be re-assured that everyone eventually enters into medicaid. My extremely wealthy great-aunt has been depleting her Trust b/c she is convinced that Medicaid people are treated inferior to cash paying assisted living residents. Technically 1 (one) house and 1 (one) vehicle are each exempt from Medicaid asset calculations.
My aunt has an old Vanderbilt estate that is deeded to an irrevocable trust, which is legally exempt from Medicaid assets calculation, outside that one home one car exemption. She says that about Two years of Assisted Living remain in her cash paying Trust account. Meaning in two years she will enter into Medicaid, and will finally understand that she has been depleting the inheritances of her extended family members for no reason. Medicaid recipients receive the same services and treatments that she receives. She pays $12,0000 (twelve thousand) each month for her private room, whereas Medicaid pays 6,500 each month for a private room at the same facility.
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polarbear Aug 2020
I shudder at the thought of everyone needing Medicaid because Medicaid will go bankrupt. It may be there for us, but may not for our children or their children. Same with Social Security, more withdrawals than deposits into it since people are living wayyyy too long and being wayyyy too sick.
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Your mother does have options, and you and your sisters must come together and unite on that front. Your mother can downsize into a smaller, more affordable living situation. Your mother can seek out a roommate situation. There are many older women with large homes and empty nests who rent out rooms and share expenses. It's like a real life Golden Girls. Your mother can find a financial counselor to help her prepare a budget. Your mother can live within her means. Do not enable your mother to choose to ignore her reality. You will be doing her, yourself and your sisters no favors by enabling her to continue to take zero responsibility for herself and her choices.

Medicaid was never intended to be a retirement plan.
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