Does anyone know about a possible option to not need to "spend down" for 5 years if you are disabled and mom has end-stage Alzheimer's?


I've been disabled for over 20 years and have had my mom living with me and my two children for 6 months. Mom is becoming increasingly violent and verbally abusive--which, of course, has us all feeling miserable.
I read something stating that there is a type of "loophole" that could protect my mom's assets if her child is living with a disability.
Any/all information or feedback would be very much appreciated. This could be my only hope to keep my sanity!

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I recommend talking to an elder care lawyer. We have done that recently and it is very helpful. It costs money but the advice is valuable and they can advocate for you if needed.
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Hi Jeanne,
Yes--my mom helped me apply for credit cards in our names--but then my ex stopped paying alimony and my world crumbled. I had been paying everything on time, but found myself unable to--and then the collectors wound up calling my sister. My sister (POA) paid everything off, and told me that I would receive nothing when my mom passed. My other sister (who is an addict) continually threatens to call the Police, have me thrown in jail and have my children taken away......**sigh**.
My disability is severe depression--and this isn't helping things, I must say.
Anyway--I guess we will know more next week. There is supposedly some "loophole" of being able to give your disabled child the assets without it being considered an attempt to "hide" the money.
I'm unclear, but next week's appointment cannot come soon enough!
Thanks again for everything, Jeanne!
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Could it have to do with the "look back" period of 5 years? Elders are not supposed to get of their assets by giving them to their children or others within the five year period before they apply for Medicaid. I wonder if there is an exception that allows giving assets to a child who is disabled? I sure don't know, but I can see some logic behind that. Didn't you mention having borrowed money you haven't paid back? Was that in the last 5 years? Maybe that would apply. Or were you thinking that she could give you assets now, and then apply for Medicaid?

I sure don't know, but this is in the hands of an elder law attorney, right? That should provide the answers you need.
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