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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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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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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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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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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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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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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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Pension is exempt in chapter 7

I agree...she should be in chapter 7. If her income is ONLY social security and pension and she has no assets...she should have discharged all her debt in chapter 7.
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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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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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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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Just finished paper work, apparently that's all o.k., but mom died last Fri. A.M.
Our preparer says they will pay her first mo. In the lovely nursing home.
She lasted 10 days.
Also in Mo. The paperwork was for 5 mos. No tax papers for years, the one big catch was she had a $1200 extra policy to carry her to her home town since she moved 100 miles away. It wasn't non- revocable and I had to put it in my name and give her the cash value, then spend it. (MY MONEY!). Now that she died, a month later, even the funeral home doesn't know how they will handle it. It now DECREASES in value a few cents a month and I want to get it out of there!
The funeral was lovely ( yesterday) but we aren't done yet. I agree, Medicaid is next.
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Does the facility where she currently lives accept Medicaid? If not, you may want to look for one that does while she still has at least a few months of money for private pay. I am facing that situation now with my mom who is in a memory care facility that does not accept Medicaid. I am trying to figure out just when to move her because the next step is a nursing home, which is much more expensive and requires one year of private pay before accepting Medicaid.
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She will have to file for Medicaid. Save all receipts from five years back. YES, SERIOUSLY!
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Keep in mind that it is your Mothers assets that have to be taken into consideration NOT yours.
Your income and assets are not your Mothers.
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start the medicaid application on line at the end of month before money to run out.if she has medicare apply for nursinghome waiver and hbhc homebased health care just in case she has to come out.the time tospply for that is by october before yneed ceapproval reviews start deadline for yr is Nov. only reviewd once a year. otherwise pending status. yes go to attorney keep all receipts any seperate files for what spent on monthly accountable then yearly. if you habe like this whendo interview for . wont haveany problem go back now 5 years so next year you will have six . that way you arent waiting for documents.and keeping current monthly you will always be ready for review.
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After reading how everyone above has gather a whopping FIVE years of documents, it makes me think, to be proactive with my dad (currently lives with me) I better go thru his statements and put it all in order, just in case. Is there a place online whicb has a Medicaid "organizer" that can be downloaded, to keep track of all that is required?
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Go to your state's DHHS website...you should be able to see the application and the documents they will ask for
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Llamalover47

What happens if she does not have 5 years worth of receipts?
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I They will ask questions and go by Income tax filings. if her income doesnt prove out she will have to wait it out. Shouw pay down or go into pay down of funds to indigent. what tbhe 5 years is.
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zytrhr: Then she will go her financial institution and they will have to archive her records.
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