My mother had stroke Aug 27th was released to acute rehab care for 20 days then discharged to skilled nursing facility aka NH but received therapy, it was explained to me that medicare would pay for up to 100 days of mom's SNF stay. The only bed available is 5hrs away so after 20 days at one facility they transferred her to NH under goal being coming back home. I applied for her LTC Medicaid because I was told NH would not except until application for Medicaid was applied and proof of it was in order. So I applied. Now Medicaid told me my mom could not pay her bills if it went over 60 a day allotted funds from SSI which is only income or a transfer penalty would be filed. Now she can't pay her bills to keep her shelter because rent $350 plus insurance for her automobile, cell phone bill, dog care bill, and her storage unit bill are over $60 limit. What do I do and what exactly will happen if transfer penalty is filed? I'm so confused I can't afford to pay them for my mother but don't want her to end up with no choice but nursing home. Her stroke was major but Dr. said with rehab she would be able to go home, even tho wheel chair bound and would need help from bed to toilet and such and possible permanent peg. She lost her ability to swallow but has began to regain and is on puree diet.