Funding for nursing home or long-term care.
My mother and father are separated, not divorced. (We live in WI). My mother has severe emphysema, in her mid-70's and my father, who is the same age, could potentially live another 20 years. We are looking at how to fund long-term, relatively intensive care for my mother---at home or in nursing home. I understand, spending down to qualify for Medicaid would eat into my father's own finances since they are married. I would like my father to consult with someone to look at options, but he seems stubborn, so it's better if I have specific ideas for him.
Does anyone have specific advice, or advice on who to consult---would a case manager (free from the county) be an option...or would an estate planner or similar lawyer (more expensive option) be recommended...
I don't know much about these things, but want to help with ideas of who to talk to or what to do, since this is stressful for me--as I am helping decide the best care option for my mother, and also because I'm not sure my dad is comfortable asking around for advice, or else doesn't know who to ask, or doesn't want to pay for advice...or a combination of all the above.
Thanks to all for any advice or experience.