[Maryellen]

Use her assets to pay for her care. Only her assets….not the “family” kicking in money.

After assets are spent down she can apply for Medicaid. The only glitch is that house….but an attorney can figure that out.

I work in elder care.

I always tell families NOT to use their $$ to help with care. Good luck

[Jennifer]

Essentially, yes, spend down to qualify for Medicaid. It may be worth speaking to estate planning attorney on any resources or allocations which can be used to help support the daughter with developmental delays.

B.T.W. Don’t forget to take a look at: What are some tips/advice to note, when choosing a public healthcare plan on ACA?

[Shauna]

Not sure if this works for all situations but my family worked with an elder law attorney to qualify my father for a pooled trust and special needs trust which legally allowed him to qualify for medicaid and keep his assets in trust.

He has in home aids that are covered by Medicaid.

[Jaimie]

Here’s the thing that people aren’t telling you. If you get help, she will very likely have to move from that particular nursing home into one that qualifies that is cheaper. Which might not necessarily be the best thing for her.

I think you as a family have to figure out what’s more important…

The government helping to cover the difference and possibly having her in a not so good facility or everyone pitching in and keeping her where she is.

[Laura]

She needs to move to a home that is less than $5600 a month, for starters. Because of her income (pension and SS), she will NEVER qualify for Medicaid.

[Marcus]

Unfortunately, you have to drain down all her assets down to about 2k and then she’ll qualify.

[Julie]

Yes, spend down everything and then reapply for Medicaid.

There’s a chance the house would need to be sold but likely not if a dependent family member needs to continue to live in it. There’s several factors that go into that decision but Medicaid explains it all.

Sounds like you have a little while before you can start that process.

[Author]

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