Mom has severe short-term memory problems and other mental issues (possible Alzheimer's), heart problems and is a high fall risk. She needs to have 24/7 care.
Unfortunately, she gifted the money received from sale of the old family home. Medicaid won't kick in until we pay a nursing home out of our own pockets up to the amount of the gifts OR wait 5 years to re-apply for Medicaid, so the gifts are not included in the look-back period.
We do not have the money to pay for 12 months of nursing home care to cover the amounts of those gifts. None of us are healthy enough to be her caregiver for the next 5 years. My husband is disabled and I plan to continue to be his caregiver until his health declines to the point he cannot transfer himself or my own poor health makes it impossible to be his caregiver. My brother's health has become poor in last few years as well.