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If a spouse is placed in a nursing home long term what do people do financially? My spouse is not Medicaid eligible and my understanding is the nursing home will take your property if you don't have the upfront finances. They charge $9,000 per month for care. Help!

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Czech, if there is a "community spouse" the rules are different. Medicaid has no interest in impoverishing you.

Please see a highly qualified eldercare attorney. Worth every penny.
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czechchick Jan 6, 2022
Hi Barb
what is a community spouse?
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Consult a certified elder attorney and see what he or she can do. The nursing home will not seize your property. They will require your husband’s social security and pension. You may have to make payments to the nursing home. Consult Area Agency on Aging to find out if there are state or local resources. Another option may be a small board and care home.
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gladimhere Jan 4, 2022
Maybe not if his pension/social security is the only household income.
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As said, you will need to talk to an elder lawyer. A home and some retirement plans are not considered assets by Medicaid. Either is one car. Medicaid allows for splitting of assets. Your husbands split going to his care, when its spent down, then Medicaid is applied for about 90days before he runs out of money. Your monthly income of SS and pensions will be looked at. Yes, you will keep urs but you will be allowed part or all of his to be able to live on. There are Miller Trusts, in some states, that allow for any money over the cap to be placed in the trust to qualify for Medicaid. You will be considered the Community Spouse.

I am assuming both of you are on the deed. When ur husband passes, Medicaid will put a lien on your house. You will still be allowed to live there till your death. If you sell the home, that lien will need to be satisfied.

I am just giving you the basics here. Each state is different. But it gives you an idea of how Medicaid works. It will help you to ask questions and understand what the lawyer is saying.
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czechchick Jan 6, 2022
Thank you for the information. I have a lot to learn. I also work full time, so don’t know if that will play a part 🤷‍♀️
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Why do you think he's not eligible for Medicaid?
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czechchick Jan 6, 2022
I have heard that one has to be practically destitute to qualify.
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If placement is required by one spouse an elder law attorney can help you to apply to separate finances so that your spouse will spend down his portion before then applying to medicaid. At that time his assets and Social Security will go to his care. Yours will remain yours. The home you share will remain, is not taken for care. It is all quite complicated and nothing that a Forum Post can answer but you can google a lot of it and an hour of time with Elder Law Attorney can explain it to you as well. Medicaid requirements vary state to state as this is a state program combined with federal. As I said, it's complicated.
Are you presently thinking that your spouse will be needing to get placement soon?
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rovana Jan 4, 2022
How would this spouse in the community division of assets work if the spouse needing care is not eligible for Medicaid?
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You begin to look under every rock for help form as many agencies as you can contact.
Your local Area Agency on Aging might be a resource you can tap into.
Your local Senior Center, they may have resources that could help.
Is your husband a Veteran? If so contact your local Veterans Assistance Commission to determine what help the VA can offer. It might be a little or a LOT depending on where and when he served.
Consult with an Elder Care Attorney. Find out how he can qualify and what the process might be to get him Medicaid eligible.
Depending on other ailments he may qualify for Hospice. With Hospice you would get the Supplies, Equipment that you need as well as a Nurse that would come weekly, a CNA that would come a few times a week to bathe him, order supplies and change bedding if needed. And they will offer support and education that is invaluable.
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czechchick Jan 6, 2022
Thank you so much. This is a lot to absorb.
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Your spouse may not be Medicaid eligible at this time, BUT there is a way to change that situation. There are lawyers that specialize in elder care and SEPARATION of assets. You can get a separation of assets for Medicaid purposes without getting a divorce. It can protect the spouse not in long term care from impoverishment. If you have an attorney check on this or get them to refer you to someone who specializes. Splitting income is the beginning, then allowances or deductions from that income are made to calculate NH expenses. Its complicated but its done every day. I am not a lawyer but you can google the procedure. Look for Medicaid Division of Assets. If the answer isnt immediate for your situation, it will lead you to a better answer. But an elder care specialized lawyer can work with you. You can successfully protect a large portion of your income in a division...and your home.
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Seek legal help to learn about your share and not impoverish yourself. Get the book How to protect your family....by Gabriel Heiser. You might be able to get it through your library
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czechchick Jan 5, 2022
Thank you so much!
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They will not take your property. Your liquid assets will be split 50/50 with half going for care. When that is used, then a Medicaid application will be completed and submitted.

Get with an elder law attorney to learn the real laws in your state.
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czechchick Jan 5, 2022
Thank you 😊
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Most if not all state Medicaid allow a house for the spouse as well as a car. This wasn’t always the case. Find an elder law attorney to find details.
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Donttestme Jan 6, 2022
A house and a car. But what about funds to pay utilities, insurance, groceries etc? Is the spouse left with any means to keep the shelter and transportation?
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