After having my mother in a nursing home after bladder cancer surgery, then living on the Independent living side of the "Manor" I've learned the first 90 days are covered by Medicare/Medicaid in Health care, after that, the Manor and gov. get the largest portion of her income* which was minimal, along with my dads govt. income after he died.
What I'm trying to ask, is How do I keep from losing our house that's been paid for should he die before me? My husband is disabled, having lost his left arm at the rib cage due to an electrical work accident. If he's in health care at a manor for more than 90 days, what happens to the income, the house, assets??
I understand that a large portion got for his care, what happens to me? How do I safe gard the house for myself?
OR...would it be more than likely that I'd be in an apartment by that time, so as not to have to worry about yard work, maintenance etc? I understand that any money in the bank has to have been removed 5 yrs prior to him entering a health care facility in order to retain any money we may've had set back.
I live in Kansas.
Your help is greatly appreciated.