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The nursing home is in NC. My mom was providing care to my grandmother. My grandmother receives SSI and my grandfathers retirement pension. she was approved for Medicaid long-term care in December.

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Also regarding the personal needs allowance, grannie can have her SS /retirements income direct deposited to the NH & the NH then placeds pna into a trust account at the NH OR grannie can continue to have her income go to her old existing bank account & grannie/her DPOA send the NH a check each month for her co-pay or SOC (share of cost) and that bank account build by the PNA each month. You do need to keep an eye on the banking so that it never ends a month above 2k as that's the Medicaid limit for assets.

If mom has a home & is going to continue to own it even if on NH Medicaid, keeping her bank account with its direct deposit of SS / retirement & paying the NH each mo from it, with moms DPOA as a signature on the account and its POD is probably the better plan.
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Thank you freqflyer and guestshopadmin for your comments, it is very helpful.
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Just an extra comment to add to FF - there will not be any money left out of Grandmother's pensions or SSI etc. above a small personal needs allowance at the nursing home (usually $35-$120 depending on your state). If Grandmother's house is still being lived in and has a mortgage, property taxes, utilities, etc that are owed to maintain the property, family will have to pay this themselves out of their own pockets and present the bill to Medicaid recovery when Grandmother dies to offset any lien against the property. This is the time to figure out if the property is worth paying for to keep it for family members once Grandmother passes.
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Aadams, it is my understanding that Medicaid will use your Grandmother's social security and any other income, such as the pension, to help pay for her care in a nursing home. Whatever is left on the money bill, then Medicaid will pay the rest.

If your Grandmother still owns a house/condo, Medicaid can also place a lien on the property so when the property is sold, Medicaid will take whatever equity they need to be reimbursed. There are exceptions.
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