What can be done if my grandpa makes too much money to qualify for Medicaid, but can't afford a nursing home?

LTC Medicaid is different than regular Medicaid. If he's medically in need of Nursing home care, he will qualify regardless of what his income is by setting up a trust. You need to have his set up that trust and structure his income so he qualifies.

https://www.azahcccs.gov/Members/Downloads/Publications/DE-828_english.pdf

I am in Arizona and I found that you have to do a Qualified income trust to qualify for ALTCS.

This is not a do it yourself project, it is convaluted mess.

Go to www.nelf.org and find a certified elder law attorney to help you get this set up.

I would sell his house and use that money to get his care started, that will give you the ability to find a facility that accepts ALTCS after the private pay is over, you will get a better facility for him doing it this way.

OR

You can find a board and care home that he can afford with the money he receives. Most of these have care from assisted living through hospice. They are more of a home setting, so unless he needs a 24/7 nurse, this might be an option.

Best of luck, it is so frustrating when you make 14.00 to much monthly to qualify for assistance, that's how much too much my dad made. Ugh!

Talk with a senior care lawyer. A trust can be set up where all his excess income would be placed with Medicaid as beneficiary.

Sell the house now and use the proceeds to get him into a home straight away.. many nursing home will only accept a Medicaid patient if there are self pay for a period of time first. ......then begin the process to get him qualified for Medicaid

If he doesn’t have a spouse, then sell the house and he will have plenty of money to afford a nice nursing home. Otherwise, see if your state has a medically needy pathway that will allow him to either spend down his excess income on health related costs or be put in a to Miller trust.