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My husband has only $1000 per month from SS, I have been supporting him for 34 years. I have worked and saved what I could. I have a pension, SS, and an IRA. I am 80 yrs. old. He is 82 with Neuropathy. He is wheel chair bound. Large man, eats a lot and has Dementia. Has no control over urine and sometimes bowel movement. It's getting harder and harder to take care of him. I don't want to lose everything I worked for, but I can't keep bathing, shaving, and dressing him. He really needs more than I can give him. What to do ? I would hate to lose all my savings

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Dolly is right. In 2017, there were approximately 20 states who would allow you to keep your IRA as long as its entirely in your name, but that leaves 30 who don’t.

Because you’ve worked so hard and done so well planning for yourself and your future, spend a little more on an elder law attorney or a Medicaid Planner for peace of mind that your savings are safe.
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Each state has different guidelines when it comes to Medicaid. I would contact them directly and if needed consult with an estate planner or elder attorney. You are smart to ask this question up front and not just assume. If Medicaid can attach the asset they will, the idea is that they want the participant to spend down until they have nothing left and then Medicaid steps in, when he dies they will take whatever money is left.
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