yeah but over & over on this forum, posters call parents home “their home”, as that it’s the home they grew up in and they view it as their place and write that it’s “theirs”. But it’s legally recorded as in parents name. Just trying to clarify that....
also for me, I default to the boondoggle of post Katrina. I got involved in couple of rebuild volunteer organizations. & over & over again, folks would come in.... their home had been flooded out or had been basically vaporized shredded by wind or floated off to become debris miles away. They were trying to get insurance payouts or getting SBA loans or LA/MS state grants. But over & over again, that home that was “theirs” wasn’t..... it was still titled to a parent, grandparent or aunt, they were just tenants. Or owner was long dead and house never got properly transferred to heirs names; family viewed home as “theirs” but it wasn’t and they were unable to ever get any state or fed assistance for rebuilding as they did not own the property. For extra fun, there often would be 13 heirs & invariably 1 or 2 w/liens or judgements on them (or in prison) so to clean up title not worth doing or not easily done. Sadly same story for Hur. Harvey in older neighborhoods flooded.
Hopefully home is all James16 in title, Mortgage and debt service.
Whatever assets tied to your mothers name or show up in a match to her SS# are what matters for her Medicaid application and the after death for Estate Recovery (MERP).
Whether it’s community based medicaid as she’s living in her home or your home OR it’s facility based Medicaid as she’s living in a NH or AL or MC that Medicaid is paying for, doesn’t matter for recovery. It all about that she applied after age 55 to a Medicaid program, Medicaid paid for services for her and then she dies or becomes ineligible for Medicaid and her asset(s) are subject to a lien or claim or period of ineligibility.
So theres a mortgage on home, right? who owes mortgage? You & a spouse; you & mom; just mom? You solo? whose name(s) is Mortgage, land, utilities, etc in? The answers will be central as to what happens.
I’m guessing something has happened recently & it’s looking like your mom may need care & someone has said that Medicaid can pay for her care or her needs. Maybe yes & maybe no..... Really if you’ll be lots more descriptive in just wtheck is happening, you’ll get all sort of insight and then some from this forum.
Your Profile says Mom lives with you. Your home has nothing to do with Medicaid if Mom eventually needs 24/7 care.
The need for Medicaid is determined by Moms income only. So your house will not be involved. If all she receives is SS and maybe a small pension that will be used to offset her care. Medicaid picks up the balance. If Mom has money put aside, that will have to be spent down. That can pay for private care, prepaying of a funeral, buying her a new wardrobe, anything for her. None of her money can be given as gifts.
Once Mom has passed, she will have no assets. The state will send a recovery letter, u just send it back saying Mom has no estate to recover. They have to do this by law.
also for me, I default to the boondoggle of post Katrina. I got involved in couple of rebuild volunteer organizations. & over & over again, folks would come in.... their home had been flooded out or had been basically vaporized shredded by wind or floated off to become debris miles away. They were trying to get insurance payouts or getting SBA loans or LA/MS state grants. But over & over again, that home that was “theirs” wasn’t..... it was still titled to a parent, grandparent or aunt, they were just tenants. Or owner was long dead and house never got properly transferred to heirs names; family viewed home as “theirs” but it wasn’t and they were unable to ever get any state or fed assistance for rebuilding as they did not own the property. For extra fun, there often would be 13 heirs & invariably 1 or 2 w/liens or judgements on them (or in prison) so to clean up title not worth doing or not easily done. Sadly same story for Hur. Harvey in older neighborhoods flooded.
Hopefully home is all James16 in title, Mortgage and debt service.
Whether it’s community based medicaid as she’s living in her home or your home OR it’s facility based Medicaid as she’s living in a NH or AL or MC that Medicaid is paying for, doesn’t matter for recovery. It all about that she applied after age 55 to a Medicaid program, Medicaid paid for services for her and then she dies or becomes ineligible for Medicaid and her asset(s) are subject to a lien or claim or period of ineligibility.
So theres a mortgage on home, right?
who owes mortgage? You & a spouse; you & mom; just mom? You solo?
whose name(s) is Mortgage, land, utilities, etc in?
The answers will be central as to what happens.
I’m guessing something has happened recently & it’s looking like your mom may need care & someone has said that Medicaid can pay for her care or her needs. Maybe yes & maybe no.....
Really if you’ll be lots more descriptive in just wtheck is happening, you’ll get all sort of insight and then some from this forum.
The need for Medicaid is determined by Moms income only. So your house will not be involved. If all she receives is SS and maybe a small pension that will be used to offset her care. Medicaid picks up the balance. If Mom has money put aside, that will have to be spent down. That can pay for private care, prepaying of a funeral, buying her a new wardrobe, anything for her. None of her money can be given as gifts.
Once Mom has passed, she will have no assets. The state will send a recovery letter, u just send it back saying Mom has no estate to recover. They have to do this by law.