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My mother had a stroke 2 years ago and is no longer able to adequately care for herself in her own home. After 2 weeks in my home, I realized how difficult it was going to be for me to care for her AND my husband who has Lewey Bodies Dementia, so I began to look into local nursing homes. The first place I toured was more of an Assisted Living situation and I didn't feel there was enough actual nursing care available. The 2nd one was terrible & there was no way I was going to place my mother there. The 3rd one was a "possible", although there was some issues with that one, too. She is currently in hospital, having fallen and broken her foot. At this point, it appears that the only way I can prevent a nursing home and/or the state from ending up with her small savings and her home (which is paid for) is to bring her back home with me. Does anyone have any suggestions on how to navigate through all the red tape and rules regarding medicare and/or Medicaid services. Which way do I go with all this?


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If she goes in to long term care, her income will go to the nursing home, there’s no way around it. She has to help pay for her care. You can sell the house at market rate and use the proceeds to pay for her care until it’s spent down & she qualifies for income. If the house isn’t sold, Medicaid will place a lien on it which will have to be satisfied if the house is ever sold. The time to try to shield assets from Medicaid is 5+ years before Medicaid is needed. There’s really no way around the red tape if she needs long term care & Medicaid now.
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Her savings are there to pay for her care, aren't they? Can you rent the home out to provide further monies for her NH fees?

Medicaid will not take the house; they will place a lien on it which must be satisfied when she passes.
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