The nursing home is insisting on taking all remaining pension and social security income after my mom's Miller's Trust has been funded each month, leaving her with less than $60 per month for personal use. Is this how it works or normal?
If she is on Medicaid, Yes. The person only gets to keep a small personal needs allowance amount usually between $60-$125. Depends on your state. No money left for house payments, life insurance, etc.
Is your mother a private pay patient, or is she relying on Medicaid for a large part of the cost of the Nursing Home?
In general, a Miller Trust is set up so that folks with income over the Medicaid limit can avoid paying for the nursing home in full. My mom's private pay nursing home costs are $12,000 per month.
Thank you Guestshopadmin and BarbBrooklyn for your quick responses and settling my nerves. She is applying for Medicaid, so it seems that it is "normal" for her remaining income to go to the nursing home. Now I will have to figure out how to pay her existing bills, since she'll have no remaining income to pay out. You're advice is most appreciated for this one too.
Riley, I'm not an expert. You can google Miller Trust or Pooled Income Trust, but in essence...Say and elder brings in $2600. per month in SS and pension, and the state limit for Medicaid is $2100. a month. A Miller Trust is set up so that the excess income goes into a trust held by the state. The remaining 2100 income is at the Medicaid eligibility level. That income then goes to the NH to fund care.
By clicking Talk to a Specialist, you agree to our privacy policy and terms and conditions. Our team, or our partner providers, may contact you via a system that can auto-dial. Your consent is not required to use our service.
The hard part is over.
I'm matching you with one of our specialists who will be calling you in the next few minutes.
Don't want to wait?
Skip to the front of the line by calling (888) 887-4593.
In general, a Miller Trust is set up so that folks with income over the Medicaid limit can avoid paying for the nursing home in full. My mom's private pay nursing home costs are $12,000 per month.
https://www.agingcare.com/questions/protect-mothers-savings-when-goes-into-nursing-home-197284.htm