When Mom's money runs out

Follow
Share

My 85 year old mother has Parkinson's disease, mild dememtia, loss of bladder control and lives in a lovely assisted living community. My sister, who lives very close to her has shouldered the main care giving dutes and handles all of our mother's financial obligations. My sister is an extreme worrier and has figured up that Mom will be out of money in 4.9 years and my sister is very concerned as to what will happen when the money runs out. None of the three children has the capability to take Mom into their homes nor the financial means to keep her where she is--which by the way, doesn't take Medicare. What can I do to allay my sister's fears? She thinks that Mom will have to go to a convalescent home where she would have to stay in bed all day sharing a room with another person.

Find Care & Housing
23

Comments

Show:
1 2 3
Don't know about a Medicaid Diversion Program.
(0)
Report

RE the question in above post: Can they put her on the street?

That's where I am at right now. My Mom went into the nursing home private pay, then when she spent all her money on the nursing home and has under $2K in her account, we applied for Medicaid and they approved it without much of a hassle at all. Fast forward to a year after her original application and it turns out she has to reapply AGAIN.

I did not know this was going to happen. Well, some how or another her account went over the $2K a couple of hundred dollars and Mediciad denied her this time. The
Nursing home Business Mgr, told me to private pay them for the month of September and we can inform them of the payment and request that Medicaid be approved. After all - she has been on it for a year!

THey then asked for her bank records for 3 years and receipts of everything in and out of the account for the 3 years. I take care of my Mom's stuff and we have ALWAYS done everything on the up and up regarding her finances and paying for her care and made no attempt to try and hide money like some folks do. Problem is I don't have all
the receipts for everything. I tried keeping receipts over the years here and there. I also thought once she got approved she would be good to go from that point on. I had no idea we would have to reapply every year!

I turned in 3 years of bank statements, but am sure they will be asking for receipts, etc. I can't believe how difficult they make this. My mother is 90 years old. We have never had anything handed to us, My parents worked very hard their whole lives.

Now, I am afraid that they may put her in the street if this new application doesn't get approved. I am her POA and am praying they will not expect for me to pay the bill that is accruing while they look over the application and bank statements.

I am at my witts end, my brothers don't bother with helping me and it gets very frustrating and is such a big disappointment to me. I don't know where else to turn.
(0)
Report

The best bet would be to try and get Medicaid. I was in the same situation when my mother ran out of money. I was unable to get medicaid so out the door she went. Before you ever put some one in a NH make sure you get an elder attorney to explain the laws to you. There is a federal law that states you can be kicked out for non payment. Before you ever put someone in a NH have an attorney. He will help you apply for medicaid. You should always apply for medicaid before you put someone in a NH this will save you a lot of grief down the road. I found out the hard way.
(0)
Report

CAN THEY PUT HER ON THE STREET?
(0)
Report

SHES BEEN N ASSISTED LIVING FOR 3 YEARS, HOW CAN THEY JUST NOT
ARRANGE A NURSING HOME
(0)
Report

my mom will run out of every penny she has, had been living in a rehabative facility for a year plus assisted living she now has to leave since shes broke. what r her options
(0)
Report

GS - so mom has $ 2,300 a mo right?
Of this how much is SS, retirement & VA? Maybe $ 900 non VA so mom will be ok for medicaid income ceiling once the VA $ is deducted. Is that about right?
Maybe 30/40K in savings? so mom could private pay 6 mos? Right?
And her current facility does not take Medicaid ever? So you definitely know she will have to move eventually, right?
And she is actively on the waiting lists of the Medicaid ok places? Like you call them every couple of weeks, right?

If all above is the story, What I would do if it was my mom, is to contact all the ok for medicaid NH with her name already on their waiting list places and whichever has several open private pay beds & takes residents as "medicaid pending" that is the winner & you have her move into 31 days from now. 31 as I'd bet her contract at the current place has a30 day written notification (send a letter & also a fax from a fed rx/kinkos so you have a transmission report verification). Read & reread the current admissions contact. Mom needs every penny so you don't want her you to have to be double paying a month.

Mom moves in next month and private pays as long as possible and applies to Medicaid as "Medicaid Pending" the month before she runs out of money if she does not have a preneed funeral done OR the month she runs out of money if she already has a preneed done. The preneed gets done for whatever amount is needed to get out of her bank account to get her under 2k in assets, it may not pay for all funeral costs.....but at least something towards those costs.

You need to be clear with all conversations with admissions that there will be at least 6 mos of private pay then she is onto Medicaid as medicaid pending. One of the NH will be ok with this. And really if this NH isn't your 1st choice, you can move mom to another NH once she clears & is approved for Medicaid. I moved my mom within the first year from her first NH to another and although it was no picnic, it was very do-able with a bit of planning.

Remember never personally sign off on any document. Everything must be "Jane Smith Jones in her limited capacity as DPOA for Mary Smith" or however reads best for your states laws. If mom can actually sign, that is even better. And get a copy of every page of the admissions agreement....they don't get moms check till you get the copy.

As you know mom cannot ever stay forever at the current facility, I'd move her sooner than later as you are just putting off the inevitable. She does the rest of her spend down at the new NH, becomes Medicaid Pending then gets approved for Medicaid. You get the required by Medicaid document list and start pulling that together in a binder, so you are ready 1 mo before she would be under 2k in assets. Be sure to get the VA A&A suspension (not cancellation) paperwork to have at the ready as well. The better you can be organized the easier this is.

Of the 5 NH or so I looked at for my mom, 2 of them always had open Medicaid beds & would work with me as to timing the admit day. For my mil, the NH she was in always had an open Medicaid bed. All were in older neighborhoods, older facilities so less desirable visually so lower occupancy. Remember, once on Medicaid they can move to another Medicaid facility with no problems. Good luck
(0)
Report

Thanks so much for the great information. I have another question. When should I start the application process? Do I wait until ALL of her money is gone or can I start now?
(0)
Report

GS - when mom applies for NH Medicaid & becomes eligible, her VA $ will drop to $ 90 a mo. Medicaid will cover all the costs in the NH but VA won't so Medicaid is the better way.

Carla - about having SS go to the NH. It does NOT have to be done this way. The NH will lean on family to do this as its just so much easier, we'll take care of it all, yada, yada....but it does not have to be done. They cannot force it. The DPOA can just continue the direct deposit of SS & other retirement to the elders bank account & write a check from the bank account for the required by Medicaid copay (or SOC - share of cost) to the facility. Your state Medicaid agency will send the elder & you if you are their point person the approval letter with the exact copay required to be paid.

You don't have to set up a personal needs trust account at the NH either. Although doing one will make beauty salon payment easier. You can fund the PNA for whatever amount seems useful. The facility should send an accounting of the PNA every few months as required by your states banking laws. Although this seems not to be routinely done with the rationale that the elder waived it being done. For both NH my mom was in, you had to go to the biz office to sign out for any $ from the PNA. So it could be not at all convenient to do this on weekends or evenings.

For my mom, this system worked well as her banking increased by $ 60 a mo - the PNA for TX - and I'd let it build 2-3 mos so that I could do a bigger shopping or more costly item for her. Also if you should ever move them from 1 NH to another, not having their income set to go to the old NH will make the move much much easier. When I moved mom, I could pay oldNH to the penny for the exact days the month of the move and pay the new (& eons better) NH to the penny for her days there that first month.

PNA varies by state from $35 to $ 105 (FL & MN).

Often NH charge a usage fee for cable or community phone, & this magically is the PNA amount.

There was a post a year back from a family member who found out that their parents PNA - which they were unaware even happened - had gone over 2K & the facility spent almost the entire amount on a very expensive walker. The NH position was they did it so that there would be no disqualification from Medicaid for having assets over 2k. Now there's blame on both sides in this story but probably mom could have had lots better use of her PNA than a walker......
(0)
Report

When a person gets Medicaid, the SS check gets paid directly to the nursing home. The resident gets a small monthly personal needs allowance (I think around $50). I don't know about Veterans benefits, but I imagine that works the same way.
(0)
Report

1 2 3
Related
Questions