Medicaid allows for this, and that's great news because I have health issues and I only have a part-time job. But do I become owner of the house? And if not, who helps pay for the house's upkeep and the taxes? I'm just wondering if this is going to become more of a burden on me than a blessing because I can't afford a $4,000 annual tax bill. Also, mom didn't make timely repairs on the house so there's tons of work that needs to be done. Am I getting myself more into a money pit than anything else?
1) Your mother has not been approved for Medicaid yet.
2) From the sounds of it, application has not been done yet.
3) You mention a pension and SS as mom's sources of income.
Until the first 2 items have been addressed, the whole question about staying or moving is moot.
Depending on how much #3 tallies to, your mom may not even qualify for Medicaid.
In addition, I found the following:
https://www.elderlawanswers.com/medicaids-gift-to-children-who-help-parents-postpone-nursing-home-care-15117
Which states:
"...who lived in the house for at least two years prior to the applicant's entering a nursing home and who during that period provided care that allowed the applicant to avoid a nursing home stay."
***This could be another sticking point. If your mom didn't need NH care in that time frame, they can DENY this "benefit."***
AND
"Each state Medicaid agency has its own rules for proof that the child has lived with the parent and provided the necessary level of care, making it doubly important to consult with your attorney before making this (or any other) kind of transfer."
***Again, you'd need proof that you provided the "necessary level of care." WE can't determine what that is, only Medicaid can.***
Another issue to consider is that some NHs have minimal requirements for NH care. Just needing assistance with ADLs and/or dementia sometimes isn't enough. Would she need care? Sure, but often NHs are for those who need specialized nursing care, not just help with ADLs.
BUT, first and foremost, mom's eligibility for Medicaid needs to be addressed FIRST. If she is over the income limit and/or doesn't qualify for NH care, the whole issue being discussed here is irrelevant.
Initial consult with EC atty can help. Many often give an initial free consult (limited.) Mom's funds should cover any expenses, if possible. They may also be able to finagle a way around some of these "sticking" points.
Hugs 🤗