My brother and I are on all of Mom's accounts. When applying for Medicaid would this be considered all her money or split 3 ways?

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She. Also has CDs and a IRA with are names on them.

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We have the same set up and I have been told by our elder attorney and elder estate planner that the accounts for which I an listed as a joint owner that 1/2 would be considered mine not his at the time of application. Now of course when the government is involved the rules can change every hour.

I would recommend contacting an attorney that specializes in elder estate planning and see what the current rules are for your area
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my mother is 86years old can i get help if she moves in with me
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You need to make a list of all the accounts and then see how they are reported. All accounts which are tied into her SS # will be considered her assets.

Since it's January, you all should be getting forms for taxes, like interest on bank accounts or dividend paid, etc. Look at them carefully. If the forms show mom's SS then those accounts are hers.

If you & bro are putting your own income into her accounts, you need to go an open your own individual accounts ASAP for your paycheck to go into. What you are doing now is "co-mingling" of funds and is totally sticky to have to work through to be able to determine what her true assets are for a Medicaid application. Personally, I would suggest you see an elder law attorney BEFORE you do the application so they can advise you how to deal with this mess BEFORE your mom applies. Depending on your state, you may have to include up to 5 years of bank statements and all fiancials for mom's Medicaid application. For my mom, it was 3 years & 6 months of all financials. So any funds you move out of mom's account will show up and be questioned. You need to be able to document what is her's and yours that makes sense and you kinda need good legal to back you up.

SSA really hates it when people do this and they (SS) have rules on co-mingling. Now SSA doesn't go and check everybody's bank accounts, but when & if she applies for Medicaid, the Medicaid caseworker may require that mom have her SS check managed by a "representative payee". You will have to go to SSA & do the form with your valid ID's and have an in person interview, etc to become this.
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Medicaid will consider it all hers if these are joint accounts. IRA's usually list children as beneficiaries paid upon death of the account owner. These assets would have to be spent down by her, for her care only, before she would be eligible for Medicaid.
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