I've be living in my mom's house for about a year. I can't hardly get out of the house since October of last year. I have my mom on Medicaid Waiver and I've been being paid some but not much. The job is 24/7/365 never any days off or uninterrupted sleep but I only get paid 15 to 24 hours per week. As it was explained to me, my mom was approved for 31 hours respite care, so those hours are really for a home care agency to come in to give me a break, but since the agency doesn't have somebody available for all 31 hours, I can get paid for the hours they don't work. Currently the lady who stops by here only has 3 hours per week.
To explain it further, the agency charges $30/hr self-pay, so those people get priority. Medicaid only pays the agency $20/hr, so they take the self-pay clients first, then my mom gets whoever happens to be available if they have extra time. Should they have the availability to work more hours, then I can only get paid for whatever hours are left if any. To make it more screwy, they approved me for up to $17/hr. but I'm only authorized to bill for $14/hr. They said that was so they would have room to give me a raise. I don't think it's right the agency gets $20 and I only get $14, but that's another story.
My big concern is right now, if my mom goes to a nursing home, my income stops. Also, if she would pass away, my income would stop as well. I would need a job like fast. I've been a family caregiver for the past year now and likely it will continue on a little longer. There is NO other family to help. According to a lawyer I talked to, if my mom is on Medicaid and goes into a nursing home, I would be expected to pay her fair market value for my rent which would go towards her care. Since I don't have a job, I wouldn't be able to pay rent and would have to move out with no place to go. The lawyer told me having another source of income from outside the house would be my best option. I tried for several part-time openings but each time they decided to go with another applicant.
I don't even know about getting my old job back, all of the managers over me have quit and they have all new people working there so I don't know anyone. It's 50 miles from my mom's place and we have to deal with a number of customers every day, so the chances of getting COVID-19 are really high and if I get exposed I can't go back to my mom's place.
Even if my mom passes away, there is still the problem with the life estate she did back in 2008. Her idea was to leave me her house, but a new law passed in 2017 prevents that. A second lawyer showed me a table, https://public-dhhs.ne.gov/nfocus/Manuals/APX469/apx469/life_estate_and_remainder_interest_table.htm My mom is 96 so you take the value of the house (all I know is the current tax value) which is showing as 25,000 x .22181 which gives you her share or $5,545.25. This would depend on the amount the house is appraised for which could be lower or higher, but with no job and unable to borrow the money, I would be forced to sell the house leaving me homeless.
Saving the house would only help me out a little bit because I would still need an income to support it.