My parents have lived with us for 10 years now. My mother was recently diagnosed with S3 dementia. We need to get her someplace where they are better equipped to work with her. They only have social security income. No life insurance and moderate savings account. When we looked into Medicaid, they said she would be eligible for a Medicaid waiver but have too much money in savings to qualify. They would have to spend their savings down to less than $4000 and then they could apply for Medicaid. In the meantime they would have to pay out of pocket. Medicaid can take up to 4 months to qualify. How do you spend the savings down, then have not enough money to pay for AL while waiting for Medicaid to approve.
Do understand, however, that most ALF are private owned and private care and don't often accept Medicaid patients. Mostly nursing homes accept those on Federal programs.
Wishing you best of luck.