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KatinCal, back when your Dad was working he did save for his old age.... but he never expected to live to be 90 years old. Thus, he is now outliving his savings. This is not uncommon.

Thank goodness for Medicaid [which is different from Medicare]. Once Dad uses up his IRA and cashes in his stocks/bonds, then he could quality for Medicaid. Depending on your State, Dad may need to move to a nursing home but the good news is that Medicaid will pay for his care plus the cost of the nursing home. It may not be the decision he wants or you want, but the choice is there is you find you need it.
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Thank you, if we make one more house payment he will be deleted except for an IRA and a few stocks and bonds. I will crush him to find out he doesn't have a savings account. I mean crush him. he's old school, work hard and save instead of work hard and use what you need.
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If your Dad's resources are almost depleted and he needs care, he may qualify for Medicaid. In many states Medicaid programs pay for in-home care, and most of them do allow a family member to provide the care and get paid for it. (I vaguely remember that 40 states offer this, but I can't find the reference now. In any case, it is certainly worth finding out if your state does.)

There is a very helpful article and state-by-state summary of Medicaid benefits called Medicaid's Home Care Benefits: Eligibility, Waivers & Application Information Copy that into a Google search.

For example, this is what it says about California: "In California there are multiple Medicaid (Medi-Cal) programs that provide assistance at home. The NF/AH Waiver, for individuals with more severe needs, the MSSP Waiver for persons with lower levels of impairment. The popular In Home Supportive Services program and finally, the CBAS Program provides for adult day care (which is not home care but can help seniors remain living at home)." There are links to each of the programs listed.

This site has a lot of other information about paying for senior care. Check it out!
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I know that in Washington state, there is a program called COPES, where if the family member is on MEDICAID, the Caregiving family member will be put through several weeks of training, and then recieve a paycheck to care for the elderly.

It isn't a lot of money, probably minimum wage, and only for a certain amount of hours each week, but definitely comes in handy, when the care and management of that individual prevents you from working outside of your own home!

Check with your Medicaid, or your counties Area on Aging, to see where they might steer you to inquire about such paying programs. It only makes sense, to allow the Senior to get able to stay in the home, theirs or yours, to prevent the much higher cost of institutionalizing them into Nursing home and the like.
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Thank you
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KatinCal, the Medicaid we are discussing here is for long term care, not medical care. Medicaid long term care eligibility depends on disability and financial need. Your father would have to be evaluated to determine his eligibility.

If your father is qualified for Medicaid, his benefits would depend on the state of residence. Generally Medicaid provides nursing home care, but in some states it provides home care as an alternative, and in a few states (I don't know which ones) a family member can be compensated by Medicaid for providing the care. You would need to investigate the rules for the state in which you live. Your local Aging Services should be able to point you in the right direction.
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It is looking like the caretaker of the elderly family member who is not on Medicaid, can not get any financial aid. We may lose our house. Then what happens to the 90 year old?
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I do not think so. He has Kaiser for health insurance. My husband just lost a job again so my Dad's resources are almost depleted. He has macular degeneration and can see shapes, hard of hearing and mobility of legs is declining. memory loss and unless I serve him food, he usually doesn't eat. I do not know if he is eligible, but I do not think so.
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Possibly. Is your father eligible for Medicaid?
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