Hi. Im new to this site. Been doing alot of research and I have questions. Here is my story. My mom who is 71 had a stroke in August 2016. She was in the hospital for 3 days. They told me she would have to go a nursing facility. She went to a nursing home August 22 for therapy Being her only child and POA I had to find her paperwork for her to apply for Medicaid. Thinking it was only going to short term I tried cleaning up her house. While in the nursing home she had congestive heart failure however they were quick in helping her.
It is now January and even though she is alert and walking and talking she still needs care. She cant go back to the house because her water tank leaked and it costs to much to fix. Plus against my persistence she did a reverse mortgage in 2010 and all the money is gone. I dont know what to do. The nursing home says I have to notify her bills that she can no longer pay and she will be on Medicaid. I talked to the reverse mortgage and asked a general question how long do I have once I notify them that she can no longer live there. They said 120 days. I work full time and I am on a fixed income. Very hard to get out to her house in the winter. Once I notify them I have to scramble plus its hard to do anything once I notify her utilites bills and they shut off her gas and electric and garbage pick up. I rely on those things to clean up the house. The basement is jammed with boxes and I dont what to do about that.
So what should I do plus should I call or write to her bills she can no longer pay. Another question she has life insurance but I was told I would have to cash that out. How do I do that?? Currently I am receiving help from the dept of aging. My mom may qualify for home aide however its not 24/7 care. I told them she can no longer live in the house. She is on waiting lists that require months to a year. Also attemptex to apply for home weatherization however that's a 2-3 year period just to get an application. Im hitting constant roadblocks. My mom's only income is social security had 183.00 a month pension from my late father. So thats my story. Very sad now. Help.