What are my options once long term care runs out in another year?

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My mother is currently in a facility, diagnosed with stage 1 dementia. Her long term care pays for this until her expenses reach $150,000(approx 1 more year). She is also in bankruptcy and has no assets, savings, etc. What are my options for care once the long term care runs out. She receives $2800 a month from which I am repaying her bankruptcy(chapter 13) and supplemental insurance, and medications, expenses, etc. Where do I start?

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This is a tough time for you, but you'll have to move forward with the work. As community members have mentioned, you'll need to pull together financial records for the last five years and check into Medicaid even though you may not be ready to use it yet. If you have substantial assets, then I'd suggest that you see an elder law attorney who knows your state's Medicaid laws well. There are quite a few differences from one state to another even though there are generalities that apply overall.

We're wishing you the best on your difficult journey. Keep in touch when you can.
Carol
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You start by digging up 5 years of financial records, so you can apply for Medicaid when her money runs out. The facility will help you with the forms.
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Begin the Medicaid application process as soon as you can, even before you think she will qualify. Much easier to reapply than to start the process when she needs it and have to wait 6 months to hear if she is eligible.
Consult with an Eldercare Lawyer that will help you through this process.
Yes they cost a bit but well worth it if you can get some of the financial weight lifted.
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I'm so sorry that in addition to facing your mother's dementia you also have to deal with financial troubles. The combination is common, but very stressful!

As Pam says, when Mom runs out of money, Medicaid is the next step. You have a good long window to start preparing to apply.
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You say she has no asserts. Why is she in chapter 13 and not 7?.I think you should see a lawyer that specializes in bankruptcy and see if it's possible to switch to chapter 7. Also see an elder care lawyer for Medicaid info and planning. If she has no asserts where is the almost 3k a month coming from?
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Perhaps from a pension, I would think.
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I STRONGLY recommend that you see an attorney who specializes in Elder Care, and who is knowledgeable in getting people "Medicaid Ready". The time and money that I spent in order to get my mom on Medicaid, was time and money well spent. She also had dementia and was in a facility.
We live in Florida and the laws that were in effect at that time did not require that I went back 5 years. There was "homework" that I needed to do, but that was not part of it. The attorney will be aware of what your state specifically requires.
Good luck, and best wishes.
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In my state, the Medicaid application process covers 6 months.If you apply for help more than 6 months before she will need it, you will have to apply again with more current financial info
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Start getting all of the financial documents together now that you will need to apply for medicaid. Any and all bank accounts, retirement plans, life insurance policies, (both term and whole life), deeds to houses or other properties, car titles, pre paid burial arrangements, etc. Even accounts or assets that were disposed of prior to the last 5 years to show proof of how they were disposed. Bank statements going back at least 2 years, and taxes going back 5 years. I had to have all of that when I applied for medicaid for my mom in Virginia. Also, power of attorney, medical directive, living trust, will,and any other legal instruments. Consult an elder care attorney now to see how you may protect any remaining assets.
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If your Dad was a veteran, she could qualify for Aid and Attendance from the Veterans Administration. You might check into that. It coud be about $1,000/month for her.
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