Let me just say I am not using Medi-Cal (Medicaid) nor do I hope that I ever have to apply for it for my mother but I recently had a physician tell me to put my mother in a nursing home. I personally have no money to pay for one, nor does she have insurance for long term care, she does have Medicare and a secondary insurance which pays part of the 20% leftover.
The only way my mother could ever go into a nursing home would be if she went on Medi-Cal as all her savings would be gone in a flash. I am hoping to be able to care for her at home the remainder of her life but what if she gets worse or develops something worse that I am unable to care for at home?
Therefore my question, when we begin caring for an ill parent, should we look at their financial situation and just automatically think...."my parent will be applying for Medi-Cal at sometime in the future" and should we base their financial spending and income or receipt of money on what would be best, down the road, when or if Medi-Cal is needed?
I have paid my mother $57,600 in rent for myself and my child for the years I have been in her home. I have also paid for groceries, my own personal expenses and helped (paid) with projects around her home. I am her UNPAID 24/7 caregiver. We paid rent because it seemed the right thing to do, but it also allowed Mom to keep her savings in tact. Why are we doing this??? It does not make sense to pay her rent to keep her savings in tact, when she may very well need Medi-Cal in the future, and they will require that she then spend every cent she has in her savings, which part of it is the $57,600 I paid to her, but she is getting her care for free from me.
Am I wrong or is there something wrong with allowing this for so long? It seems like if nothing else the rent I paid her should have never gone into her personal bank account but I never saw this coming. Did anyone have better foresight than I?