Quick background. Mom is in nursing home. Medicaid was approved and we are currently in penalty period. I am trustee of Mom's Irevocable trust. Mom has annuity that pays part of the monthly rent on her nursing home and it's my understanding that I'm supposed to pay the difference with her personal checking. Every month I've paid her balance with her regular checking account. That account is now down to under $700. Next month the amount we owe the nursing home is more than $700. Which means her regular checking account will be exhausted.
I'm a bit confused about this part. As the trustee or her Irrevocable Trust, I believe I'm supposed to pull money out of the Trust and use it to pay Mom's nursing home bills. My concerns are 1) I know I can't deposit that money directly into her account. I need to put it in my account first, right? 2) If I understand correctly, then I deposit my money into her account to pay the bill. 3) Will Medicaid be OK with me "giving" my Mom $700 of my own money to pay her bill? Does my deposit need to be directly offset by the Nursing Home bill? Will it be a problem if I have to do this every month? 4) Would it be better if I use the withdrawal from the Trust to pay the Nursing Home directly from my account? 5) Can I deposit more than the $700 she owes this month, ie $1000, so that I can build her checking account back up?
Thank you in advance for any help anyone can provide. It took lots of time and effort to set this whole thing up. I just don't want to mess it up with a stupid mistake. My lawyer didn't explain this part very well.