TammyGo Asked May 2012

Will my parents just get kicked out of a facility when they run out of money to cover the costs?

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Mom has dementia. Dad has advanced Alzheimer's. They have some savings but only enough for about 2 years for both of them in an assisted living/memory care facility. When they run out of money do they just get kicked out?

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igloo572 May 2012
This will depend on the facility and what their level of need/care is. If the facility is 100% private pay, then that is what it is and you will have to move them. In my area there are many many AL and NH that are only private pay - NO Medicaid and NO long term care insurance. As Jeanne said, you have to ask and be totally upfront on what the financial situation is. Many private pay assume that family is going to pay and require you sign off as financially responsible.

Medicaid is a joint state & federal program. The state administers the program so what works in some states doesn't in others. For example, some state have a Medicaid waiver program that enables payment to an AL resident. While in other states, Medicaid will only pay for a NH resident and no $ for AL.

What you might think about doing - I'm assuming that they both are currently in a AL and it's all private pay - is to have whichever is the worse off health wise and would qualify for NH or skilled level of care apply for Medicaid. And find them a facility that takes Medicaid so they can move in with 1 @ Medicaid and the other private pay. So that that one is at the income/asset level to get Medicaid and the other is the "community spouse" and the one with assets (under $ 109,000). Your parents might be close to the point $ wise that they can do this. Dealing with this is best done in working with an elder care attorney who knows the specifics of the law in your state. Good luck!
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jeannegibbs May 2012
Maybe. Are they in the care facility yet? The usual option after resources run out is Medicaid. Some facilities accept Medicaid from residents that have been private-pay for a certain length of time; some do not and you will have to move your parents when the privat-pay funds dry up. If you are still in the process of finding them placement, ask about that option right up front. If they are already in a facility, discuss this with the administrator. Don't panic -- lots can happen in two years -- but knowing what to expect can give you peace of mind and plenty of time to plan ahead.
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