How do I save my mom's home if she is going into a long term nursing home?

I agree totally with Kashi60. Houses should be sold and all assets used to pay for care. These Medicaid rules for trusts are why we don’t have Medicaid beds at our nursing home. We have had heard more than a few people over the years talking about their parents getting Medicaid and still getting an inheritance or keeping the family home. Medicaid should only be used by those persons who have a legitimate need.

That's always been my issue too with people who put their parents assets in a trust and then parents qualify for Medicaid for nursing home. I personally know several people who did this and they were able to inherit all of their parents wealth (million) while the taxpayers paid for the nursing home and they brag about it!! Don't understand why this is even allowable but it is. Of course, it has to be set up correctly by a lawyer and 5 years prior to applying for assistance..but still.

The house should be sold to pay for her care. Life insurance is for you, not her. Why should the taxpayers pay for her care so you can get an inheritance?

Medicaid does not pay 100% of the cost. Any monthly income Mom has like Social Security and pension will go towards the cost of her care with Medicaid paying their share. You will need to spend down any assets she has to the Medicaid cap, in my state thats 2k. So there will be no money to keep the house up.

You can "buy" Moms house at Market Value. That way her mortgage will be paid off and the proceeds will go for her care. If she has a car, that too will need to be sold at Market Value. Medicaid has very strict rules and a 5 year look back.

Mum's assets must be used to pay for her care. She can sell her house and use the proceeds to pay for care. Or she can apply for Medicaid and if she is approved it will pay for her care, but will take most her income, Pensions SS etc. Then when she dies her house will have to be sold for medicaid recovery.

Mum's funds will not be available for covering insurance property taxes, maintenance etc on her house.

If you have POA and can sell her house now, you can pay for her funeral expenses, stock her up with new easy to wear clothing, toiletries etc. But you cannot shield her assets to avoid paying for care.