I've seen some things on here lately that have made me wonder about Mom's care down the road. She became physically disabled very late in her working career, other wise had worked and paid in all her life. So when she became disabled, she got a disability check for 7 or 8 years. Then it switched over to Social Security more recently, she's 70.
This entire time my lazy little niece has been bumming rent, cell phone bill, utils, an occasional car-outright cash, and $ for junk for her kids, (shoes toys clothes etc). I suppose around a grand a month. Will this be held against my Mom as "gifting" later? Is there an amount a month she is OK to give her without penalty? Is there a difference if it came out of savings or if it was part of her "monthly income", her SS check. Or is it simply if she gives $ to a grandkid at all and it ends up being within the 5 year look back it's held against her?
I'd imagine when she needs to go to a NH she will be self pay due to her husband's modest savings. But when that runs out or he passes and his income stops, would she have to go on medicaid? I could see a situation where within 2 or 3 years he could be gone, she could be broke after the couple years of self pay, and wind up in the look back window. Wondering if the gifting she's doing today is going to burn her later? I'm the only kid left, not in great health, may not be around then. Niece lives in filth and doesn't care, ha- I seriously wouldn't want to leave a goldfish in her care. What would happen to Mom when her and stepdad's $ is dried up, I am not here to take care of her, and she's given most of her SS check away to the grandkid for years?