I have been living with my 84 year old mom in her home and taking care of her full time for over three years and have been in and out of her home over the years due to her illnesses, my divorce and loss of my job. I am 60, and am disabled myself. I do not own my own home any longer due to losing my job (mainly because of having to take off of work so much to take her to the doctor). Anyway, she is on Medicaid and as you may already know, during the Clinton Administration, Estate recovery for states was signed into law effectively taking property from heirs no matter how little the property is worth.
I was wondering if there might be any loopholes or exceptions that can help save my mother’s home from being taken from me after she passes away and should I seek an attorney now before I get the dreaded letter in the mail from Medicaid informing me they are about to put me out on the streets.
Also, it is getting harder and harder for me to stay there full time because she has a newly diagnosed personality disorder - a combination of histrionic and borderline. I have a little help taking care of her now so if I move out and get my own little apartment or move in with a friend (for my own sanity), will that be the kiss of death to trying to save her home?
Thanks for any advice anyone can give!