I have been taking care of my grand mother for the past two years in her home (so I do not qualify for the caregiver child or any other special exemptions). I moved here to CT from CA to care for her and my dad (who passed away last year from ALS) so I do not have another residence.
One year ago my grand mother began receiving state aid (Home Care Program for Elders) which is Medicaid covered, even though she technically wasn't on Medicaid yet. According to an elder law specialist and the state, this means there is already a lien pending on her estate (only the house, less than $200k, mortgage still owed).
Due to her rapidly declining condition, it is no longer safe for me to care for her by myself at home so she will be placed in nursing home next week, Medicaid-pending. I am currently a full-time nursing student and was working part-time but will be able to increase my hours because I will no longer be a full-time caregiver. However, I still will not be able to pay the mortgage, all the house bills plus all my bills by myself.
I know that Medicaid will force a sale of the home at some point, and I've seen different things about when it happens and the rights of "non-relatives" (aka me) but everything is either very state specific or contradicts itself. The lawyer I spoke with told me to "Call the State!!" and hung up on me, and after several transfers I seemed to get to the right department with Social Services (essentially Medicaid collections) but I've left several messages this week with no call back.
If anyone knows the following about Connecticut that would be great:
1. WHEN does Medicaid usually take action on a lien? Immediately after placement? When its been medically determined that the individual will be permanently placed (which usually takes how long)? Or upon death?
2. What is my right to remain in the house while my grandmother is in the nursing home?
3. What happens to the mortgage payments? If I request to remain in the house, am I required to pay them "in good faith"? (I would pay the other bills because I need heat and electricity) Or would they allocate some of her income monthly to pay it?