She has been in nursing home for 7 yrs, is bedridden, almost unresponsive in late stages of Alzheimer's.
In fact she has been on hospice care for the last 6 months.
When asked for proof of insurance for renewal, I found out her policy now reads : Face value $2747 plus the cash value of $2227. I thought it was whole life with only face value. I have appt with attorney in 10 days and plan to purchase a funeral plan to pay down the cash value. Been told by Medicaid decision maker that it may still be declared an asset if not completed in a certain way. I am at a loss as I am widowed and cannot pay the $5000 monthly for her care. What time frame do I have to appeal? Or since her assets are too much, rather than appeal, will I simply resubmit application for Medicaid? Note this was the earliest I could get appointment with lawyer. I have not received anything from Medicaid. Representative called nursing home who in turn called me. Do I need something in writing? Is there anything else I should be doing even before appt w/ attorney?