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My MIL has moderate dementia - her husband passed and we have moved her to our home in CA from FL as she could not care for herself. We are looking for board and cares. Her assets should cover 2 yrs of care. Does anyone know the different scenarios that could play out when she is out of funds?

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Medi-cal is just about the only financial
assistance available in CA when it comes to long term care. BUT...Medi-cal won’t pay for room & board in a non-skilled environment so when your MILs money is gone, you would have to either pay out of your own pocket for her to stay at the board & care home, OR move your MIL to a memory care facility. Medi-cal will pay for memory care. They will also pay for a nursing home. All of her income will go to the facility and she’ll be allotted $35 a month for personal needs. If she’s on SSI with no other income, there are some board & care homes that will take just her SSI as payment and let her stay. But those are rare and it’s probably hard to get a bed in one of those homes due to high demand.
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Don't they only cover for first number of days after admittance? I mean Meficare.
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You might want to consider a faith-based facility that has a continuum of care levels (IL, AL, MC, LTC). These types of residences are often more affordable and view their care as a ministry. You don't have to be of that faith to become a resident. My MIL is in Presbyterian Homes on Medicaid in MN, started in AL and now in LTC. She receives excellent care there.

Choosing a facility that offers a range of care makes it less stressful for her (and you) when you eventually need to move her to the next level. Also, if she is on Medicaid/Medi-cal and then leaves one facility to seek a different level of care at another, she will most likely be put on a waiting list. The existing residents in a facility get first dibs on those Medicaid rooms (of which there are not many in each facility). Make sure you always confirm that the facility you are considering does accept Medi-cal recipients -- not all do! FYI being on Medicaid usually means she will be sharing a room (no private rooms).
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