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My mother has money in a checking and savings account, and she wants to pay for her granddaughters wedding. We might have to put her in a nursing home soon. Is she allowed to write out a check for the wedding now?

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Well Medicare does a 5 year look back. If she gave away her money then that difference in the past 5 years would exclude her from entering for the calculated period of months. That means someone would have to look after her 24 hours a day.
Do the math....what is her annual income with social security and pensions? Multiply by 5 depending on the date of the wedding. Next go out and find a nursing home and ask what the monthly rates are and calculate for 5 years. Let us say that she fell or had a stroke and immediately needed a nursing home for the rest of her life. Subtract that total from her bank account. Can she afford it?
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Dear Venus,

Very good of your mother to make this generous offer. But as JessieBelle said, I think it would be better for her to try and keep that money to pay for a nursing home. Depending on her age and health, she will need that money.
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It depends on how much money she has. If you think she may be in the NH for a while and may need Medicaid, then she should keep her money and give a nice gift, instead. If she should need to apply for Medicaid in the next 5 years, then she could face a penalty period that would be the amount she paid for the wedding.

If she has a lot of money and won't need to go on Medicaid in the next 5 years then it is up to her.
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