Can you buy life insurance for a disabled person?

My best guess for dlbaker1 is that your mother will have a problem getting any kind of life insurance. If she's already had a stroke, she is a high risk. Insurance companies don't like taking on risks like that. It won't hurt to check around, but be prepared for disappointment. As the Agingcare editor said, above, the sites featured in the article link may help you find other resources for aid. She may qualify for Medicaid, as well. Your Social Services people can help with that.

Judith, your boyfriend should see an estate attorney, for sure. Each state varies in law, and unless there is a sudden miracle cure, your boyfriend will need extensive care in the future. He will need legal advice to do the best he can with his assets -legally. Be careful not to choose just any attorney. You need someone who understands Medicaid laws, so ask questions when you talk with an attorney. What kind of work do they concentrate on? What are their credentials?

And knighto58, again it will depend on your state law. She, too, may find it worth a few hundred dollars to see an estate attorney for advice. An attorney who knows your state law and Medicaid law can guide you and your mother, so you are doing the right thing for your mother and the law.

Carol

my mother recently cremaided her husban the insurance policy after everything is 15,000.00. she is now the only one on medicaid with this large amount of money will she be cut off of medicaid?

My boyfriend has been diagnosed with ALS (Lou Gehrig's). What does he need to do to protect his assets?

It sounds like you need help managing the cost of caring for your mother. In that case, term life won't help. Check out this article on "10 Resources You Can Access for Mom or Dad." You might be eligible for some assistance that you're not currently aware of.

https://www.agingcare.com/articles/10-government-programs-caregivers-can-access-for-their-elderly-parents-120513.htm