DHLH Asked September 2009

My husband is only 59 and is bed ridden, what help can I get? If he goes in a nursing home, do they take all our money??

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EXPERT Carol Bradley Bursack Sep 2009
You may want to try Americans with disabilities (http://www.ada.gov/) for some help. Also, as was said, is he a veteran? Check with the VA, if so.

If he does need a nursing home, you will need to pay for it, of course, though if you are already on Medicaid, they will pay. You may find in-home care sufficient for awhile. In some areas veterans can get some in-home assistance. You also may want to try your state's Web sites under aging services and ask for information on services in your area. There may be many things that can be done before he needs a nursing home.

This is tough to go through. I hope you can find someone to help you.
Carol
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EXPERT K. Gabriel Heiser Sep 2009
Under the federal Medicaid rules, the at-home spouse (you) is allowed to keep up to $109,560, and the nursing home spouse up to $2,000. This is in addition to various exempt assets such as your home, one car, all personal property, and a few other items. If you and your husband have countable assets above these limits, then you either must spend it down on his nursing home bill or implement one of the many planning techniques available to protect some of your assets. What you should do will depend on the state you live in (the Medicaid rules vary by state), the amount of money you both have, his health, etc.

Planning for Medicaid eligibility can be a complex topic, one surely requiring the assistance of an experienced Elder Law attorney.

--Gabriel Heiser, AgingCare.com Expert (https://www.agingcare.com/GabrielHeiser)
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HeidiD Sep 2009
Is he a Veteran? VA Aid and Attendance Benefit is helpful/They will not be able to take everything if he can go on Medicaid /get a financial planner to help you sort out the options.
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N1K2R3 Sep 2009
What do you mean "bed bound"? What are his health issues? No one at 59 goes in to a Nursing Home unless there are severe issues.
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moonbeam Sep 2009
i don't know anything about long term insurance. who should get it etc. can you explain it to me?
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