Yes, Medicaid only covers the medical portion of her care, and her SS covers the custodial (room and board) portion. My MIL was in LTC for 7 years and our state allows her to keep $90 per month. She barely used even that much because almost all her needs are taken care of already.
Yes minus a small personal needs allowance that is determined by state. Usually ranges from $40 to $125. The check pays mother’s share of cost for the nursing home. There is no money left to maintain house, take care of family or pay bills outside facility.
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