My mom has about $4,000 left in her bank account. Her car is worth less than $1,000, the check engine light is on and the mechanic estimates it will cost $500 to fix it plus the radiator hose is leaking. I was told not to let anyone drive it because the hose could blow at any time. It also needs a new set of tires.
Her funeral is going to cost $1,200 over what she pre-paid. She received a bill for $700 from the plumbing shop for work performed before she went into the nursing home. She was only in the nursing home from the end of May to mid July. By the time the lawyer adds on his fee there won't be anything left in her bank account.
MERP will be basically out of luck if they try to recover for what Medicaid paid and I haven't seen any bill at all from the nursing home. Let's say the nursing home billed my mom for $12,000, there's no money to pay them. There could be more bills come up, we haven't even got started yet.
My mom deeded me her house back in 2008. We were concerned there could be a Medicaid penalty, but my mom has passed away so what are they going to do about it now? Keep in mind Medicaid has a hundred different offices each with 1 to 3 people working in them. The agency on aging handled my mom's Medicaid Waiver for Home Care but they closed her case when she went into the nursing home. They said their office didn't handle nursing home Medicaid and my mom would be referred to a different office. The best answer I can get is that Medicaid had not yet made a determination as that can take up to 90 days. The nursing home says they have to wait until they hear from Medicaid to send the final bill. If Medicaid doesn't cover the first 2 months, then the nursing home just doesn't get paid.
I wanted to go to a cheaper lawyer, but I'm concerned he won't handle things correctly so I'm going to have to speak with a more expensive lawyer which basically means the lawyer gets paid well to inform the creditors there's no money left in the account.
My Cousin thought paying for things like flowers for the funeral, lunch, special music, etc might come under fire when there isn't enough money left.
There is nobody else to inherit anything. My mom named me POA, Executor in her will, everything.
Keep in mind selling the car won't make a huge difference, just means they can recover $1,500 on a bill for $12,000 instead of $500.