We [4 disabled persons] share a home. This really is not Only about Veterans assistance;
it's also about disabled adult children and keeping independent as long as possible, and Estate planning.
This year, we moved into a shared house for 4 of us, each disabled, and/or on SSI.
3 are on the high-functioning ASD scale, with individual abilities to cope with daily life.
One Vet has a little retirement income from other work, but mostly on SSI now.
Two are veterans [one mid-60's, the other mid-30's].
One Vet has a hearing disability linked to Military service, and just got a little bit of compensation.
The other Vet, with High-Function ASD, coped with military service for 6 yrs, but "regressed" deeper into ASD issues, related to military service, by then, and took a "mutually beneficial" honorable discharge----but of course, military medical/psych never documented it like that, because no one DX'd or recognized ASD then; he was not properly DX'd until AFTER he left Service. It would take a LOT of work, to correlate his med/psych records, with the ASD DX.
The Vet with Hearing Loss, also has exhibited PTSD symptoms since being in Vietnam...yet, VA has DX'd that as "bipolar". There are more signs and symptoms of PTSD, than of Bipolar! But that was just VA's last pronouncement.
It's taken over 40 years for him to seek help; VA DX'd wrong, which doesn't exactly block him attending the support groups and counseling for PTSD, BUT, that misdiagnosis helps him continue in denial! He was improving, until they made that DX. After that DX, he stopped attending counseling and groups.
He also has a long-standing potential chronic infection, which needs monitored, but as long as Docs tell him "everything's fine", he interprets that as "I don't have to think about it"...so he ignores things until they get too far out of control to fix very well.
THAT kind of problems with VA, are killing him faster.
The ASD Veteran cannot do home maintenance very well at all. He's a computer-cave-dweller.
Only ONE of us has any aptitude or determination, to do paperwork, maintenance; So, numerous catastrophic health/life events, of any of us, could quickly jeopardize all of us being able to keep living here.
It requires all 4 of us, currently, contributing to the monthly bills, to afford this modest house. All of us were being priced out of rent market.
We entered into this project in our mid-60's; we'll be lucky to live long enough to see it paid off.
Only 2 of us are on the mortgage. The other two are lower income than us.
We didn't put them on the mortgage, so they might be still access some State support if they need.
And, we didn't want their incomes mingled with ours to qualify for the mortgage.
But because 4 of us contribute to this house, it puts us ALL over-income in a myriad of ways, blocking us from participating in help-programs---like, property tax-exemption [as far as I have so far learned].
Our other kids, out-of-state, can't be on the mortgage, because they are struggling with other financial/ legal issues--but we want to make sure this place can help them, too, in the future, if needed.
Those kids are able to deal with ADLs far better than the 2 living with us, and MIGHT need to become the formal owners of record, OR, be the Executor[s].
We're not sure how this will work yet, so have not picked any particular method of legally wrapping this place up, beyond simply buying the place in our 2 names. We have some insurance to help pay the mortgage down, but not off.
=== We wanted to make sure our kids had a safe home Now, AND after we're gone, AND to not require other family members to feel obligated to take care of them.
We're desperately trying to do the repairs to the house and grounds, to make it as maintenance-free as possible, now, and going deeply in debt trying to do it.
=== We want to protect ownership of this place, from the vagaries of individual foibles.
I read that disabled child can stay in the family house, if they've been living in it, regardless of State [WA] wanting reimbursed for DSHS recipients.
WE haven't been DSHS recipients, but the 2 living with us, have gotten small helps over the last several years.
--- Do you know anything about how to legally protect the house?
Are there certain legal forms that must be filled out or filed?
Or is this the domaine of a lawyer, costing lots of money to start and maintain?
--- How best to set this up legally, to decrease or cap basic monthly expenses?
[For instance, our monthly mortgage payment total just increased by about $60 this last month, and we haven't even been in it a full year!]
--- How best to legally protect our house from confiscation, in the event of our deaths? [Like, a Living Trust [revocable or irrevocable?], or Family Corporation, or?]
Thank you, Aging Care community, for being such wonderful resources for morale support and compassionate, good advice!