I moved into my grandmother's house to take care of her about 12 years ago. I am currently 37 years old. 5 years after I moved in, my grandma had to be placed in long-term care. She would have gone in much sooner, but I delayed her admittance to the nursing home by a few years by taking care of her. (she had diabetes and prosthetic hip)
My grandmother lived at the nursing home for around 5 years before she passed away. I continued to live at the residence, paying for all the utilities and taxes while she was institutionalized, and I continue to live there to this day. I also look after her ex-husband, who is my 85 year old grandfather, and he has also lived here before and after her institutionalization. She passed away a few weeks ago, so I'm wanting to know if I have any possibility of me getting an undo hardship waiver. As I understand it, grandchildren do not count for the exemption, neither would my grandfather because he's no longer married to my grandmother, but perhaps a lenient judge would rule in my favor since I took care of her and am taking care of a elderly person, plus we have lived here for so long. I'm also full-time student in college and finding a new home right now, especially during the pandemic, would be very hard.
If that's not an option, I would also like to know if Medicaid would allow me to buy the home at the PVA value rather than making me compete with people at an auction. My grandmothers real children do not want me to buy the home as they view it as me getting their inheritance, but that's another issue entirely. Can I just call Medicaid's estate recovery line and inquire about buying the home without involving the heirs? or must it be auctioned off. Her medical expenses Medicaid covered were well beyond the value of the home, by a factor of 10. I have been planning for this moment for the past few years and have saved up enough money to buy the home outright for the PVA value, but if it goes to auction, I doubt I could afford the house for what it ultimately sells for, as it's in a good location value wise.