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His company did not offer health insurance as a benefit. He has now had multiple strokes and he has over half a million in bills and I'm not sure he will ever recover as he was in a rehab where they let him have seizures without giving him any help. They would not believe me when I said something was wrong. They said he was just tired from the therapy. I found out later I should have called 911 to get him out of there. Wondering if anyone has dealt with these issues.

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Don't worry about the medical bills unless he owns property and lives in a State that will allow the hospital to go after it. Many years ago my father had a similar situation, had a major stroke with no health insurance. Fortunately he was able to recover quite a bit to the point of being able to drive, but was still not able to work. Once you're disabled, you basically live off of SSDI and Medicare/Medicaid and are basically judgement proof from the medical bills. The SSDI, which will transition to SS, is not touchable by creditors or medical bills. The issue will become his level of independence and where he will be able to live. He may not be able to live on his own, either because he will need support due to his medical issues or because he can't afford it. If he can't afford it but can live independently in the future, he will need to find an apartment that takes a percentage of his income for rent. There may be a waiting list for an apartment such as this. If he doesn't recover enough to be able to live independently, then either he will family will take him in, or if family is unable to take on that responsibility, then he will have to go to a facility, likely a nursing home, paid by LTC Medicaid.
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Hatethis Aug 2021
Thank you! All the answers are a big help.
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59, no poa, back in hospital, still out of it, mostly sleeping, cannot talk other than yes and no. WE are applying for aid. Just wondering what others have done.
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Geaton777 Aug 2021
Even though he can't talk much is he able to understand his circumstances? It may still be possible for him to assign you (or someone) as his durable PoA in the hospital as they often have the paperwork and a notary there on the premises, so ask the nurse or admin about it. If he doesn't assign a PoA then the county will take over as guardians and will manage his medical and financial management and decisions on his behalf. The county will decide what facility he goes to. The county will not provide any visibility into his finances and medical decision-making, Where will he go when he is discharged?
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More info would be helpful: how old is your brother? Are you his PoA? Where is he now? What is his current physical and mental condition?

In terms of his "over half a million in bills" he can apply for Medicaid and someone (even if they are not his PoA) can help him do this but would need access to get bank statements and assets info. If he has no assigned PoA then a social worker can be engaged to help him.
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