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Old 09-08-2015, 01:07 AM
 
8,223 posts, read 10,733,861 times
Reputation: 7580

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Quote:
Originally Posted by petch751 View Post
It is true that you do not have to sell your house to qualify but if you do qualify then the house is gone when you pass because of recovery... oh well Yet the people who don't have assets, who didn't bother saving for their future who qualify for medicaid get the same care.

I've also learned that if you do not qualify for medicaid you have a choice, go home without care unless your kids are able to give care. This is another place where the middle class gets screwed. While the poor will get assistance (home care nurse assistance are paid for by government, free meals, home modifications, even pay your rent) the middle class doesn't get any help and the elderly must depend on family, no help even though they paid taxes all their lives.

I've seen where one woman did not qualify and her family had to pay the entire nursing home bill each month (thousands each month) while the poor get the entire bill paid). I'm getting really sick of the "what about the poor" BS. As one forum member said be quiet, some day it could be you. Well when a one time middle class woman, now 75 year old living on SS can not get help, who the hell are they helping? People that never did for themselves in the first place?

The middle class pays the bills yet when they need help they're told no. That is what I've learned. The middle class better stop worrying about everyone else and worry about themselves because there is no help for you if you should need it.
Its like that for the current middle class working now.

Nobody cares if we have health insurance or not.

 
Old 09-08-2015, 04:12 AM
 
26,302 posts, read 12,777,785 times
Reputation: 12539
Quote:
Originally Posted by petch751 View Post
The poor who are lucky enough to inherit a house aren't off the hook either. They can lose the family home, in fact it's more likely because they are so busy thinking they got a free insurance and won't take the time to educate themselves on the details. The devil is in the details.

Obamacare and medicaid expansion states.... Obamacare herds the poor into Medicaid which requires them to forfeit homes and other assets they might have to the state to cover the cost of their medical care. I believe it is 55 yo.

obamacare-final-payment-raiding-assets-low-income-poor-americans
Poor people dont generally own homes. If they inherit a home-they aren't generally considered poor. As for requiring poor people to fund their care by selling their homes......you've repeatedly gone on in other forums about how we shouldn't pay or help others.

By definition middle class do not need the help that the poor do. Once some event occurs, they will be poor and qualify. The problem is often in the transition.
 
Old 09-08-2015, 05:40 AM
 
4,982 posts, read 5,044,573 times
Reputation: 6317
Quote:
Originally Posted by cindersslipper View Post
You've got to make up your mind if youre a Capitalist or not.

Most Americans are.

So the consequence of that is, pay for it Yourself.

If you aren't a capitalist, or perhaps in the process of changing, then you need to support government that puts People First - Socialism.

Im sorry but its the best ive got. Its tough for the Average Joe down on his luck, but that is the consequence of having a capitalist society.
Most Americans are wage slaves working for much smaller number of capitalists. Because a wage slave must work, he cant afford the luxury of taking care of his aging parents (or kids for that matter). Capitalism destroyed traditional societies where child, elderly care, funerals, even housing construction were a communal affair each person was "entitled" to by virue of him/her being alive. All of that have become a "business opportunity". A wage slave much purchase things and services "less developed" folks treat as communal responsibility.

It is just too bad that the market price for formerly communal services is so steep that only upper layers of wage slaves have sufficient income to purchase commercial equivalents. The rest of wage slaves must do with much less.
 
Old 09-08-2015, 05:57 AM
 
4,982 posts, read 5,044,573 times
Reputation: 6317
It is true that a working stiff making median wage, wasting his time and health in the process and qualifying for no free government give aways feels like a dupe compared to poor and unfortunate having access to variety of social assistance programs + free time to enjoy simple human things a working stiff cant afford, like hanging out with friends on a porch or raising/educating kids on a public dime. It is not fair no matter how you spin it because median wage cant buy commercial equivalents of the public assistance, no freaking way. All assistance programs must be sliding scale to sweeten the pill, but it will be bitter anyway, because a middle class working stiff is not that much better off than the guys on assistance considering education, housing, medical and elderly care costs.
 
Old 09-08-2015, 06:15 AM
 
Location: St. Louis, Missouri
9,352 posts, read 16,768,849 times
Reputation: 11458
Quote:
Originally Posted by KathrynAragon View Post
You do not have to sell your house to qualify for Medicaid in most states.



Myths about Medicaid



Not to imply that it's not a pain in the butt to qualify.

Took a year for my mother's application to go through..... largely because she did not have a birth certificate until she married my dad at age 28.... being born at home in the back woods of Colleton County, SC in 1927, birth certificates were not common.....

and I had a brother in law who was an insurance broker trying to get me to hide her assets in some product or another, all so she could qualify for medicaid and there would be assets for my brother and me to inherit..... apparently, this is a common thing....

I refused..... I didn't think it was right for the state to pay her way when she still had her own money and assets..... to be sure, it only took about 3 years or so to spend her down, but when I did start the medicaid process, I did it with a clear conscience....

anyone facing this with a loved one should start investigating medicaid LONG before it is needed..... and get the ball rolling....
 
Old 09-08-2015, 06:33 AM
 
Location: Wisconsin
7,215 posts, read 7,881,405 times
Reputation: 7740
Quote:
Originally Posted by jerseygal4u View Post
Its like that for the current middle class working now.

Nobody cares if we have health insurance or not.
I agree with you on this. Our family of three (my wife and I are self-employed, so no employer provided plans) make too much to qualify for a subsidy, and our Republican governor turned down the Medicaid expansion. Consequently we pay above average rates for insurance and do not get a subsidy. Quite a bit of our otherwise disposable income goes to paying for monthly insurance premiums. Our monthly premium is literally about the value of a monthly mortgage payment on a decent starter home. It would be the same situation with or without the ACA.

Re: Nursing homes and the expense, maybe this is a need our tax exempted churches and religious groups could step in and try to fill a need with?
 
Old 09-08-2015, 07:55 AM
 
Location: Wonderland
44,300 posts, read 35,841,586 times
Reputation: 62649
I personally am frustrated by the exorbitant costs of healthcare. People shouldn't have to run through their life savings in the last year or two of their life - I mean, it's nice when the assets are there but healthcare costs are ridiculous and I think our medical providers and the whole system in general takes advantage of those who have the money - in order to float those who for whatever reason don't.

For instance, prior to the ACA, our health insurance was tailored to fit our needs (for instance, no pregnancy/birth control coverage). When the whole ACA brouhaha went into effect January 1 of this past year, our insurance costs went from $575 a month to $1137 a month. That's right - PER MONTH. Our health didn't change, our providers didn't change - it is simply that we are now picking up even more of the cost of OTHER PEOPLES' coverage.

What Petch is describing is basically the same thing. It's wealth redistribution but it's edge is particularly bitter when the person who is actually paying isn't wealthy.
 
Old 09-08-2015, 07:56 AM
 
Location: Wonderland
44,300 posts, read 35,841,586 times
Reputation: 62649
Quote:
Originally Posted by MaseMan View Post
I agree with you on this. Our family of three (my wife and I are self-employed, so no employer provided plans) make too much to qualify for a subsidy, and our Republican governor turned down the Medicaid expansion. Consequently we pay above average rates for insurance and do not get a subsidy. Quite a bit of our otherwise disposable income goes to paying for monthly insurance premiums. Our monthly premium is literally about the value of a monthly mortgage payment on a decent starter home. It would be the same situation with or without the ACA.

Re: Nursing homes and the expense, maybe this is a need our tax exempted churches and religious groups could step in and try to fill a need with?
See my above post. We are in the same situation. Our monthly insurance premium is about the same as our mortgage payment. AND WE HAVE A $5000 EACH DEDUCTIBLE. OMG. It's killing us.
 
Old 09-08-2015, 08:41 AM
 
39,109 posts, read 20,248,870 times
Reputation: 12659
Quote:
Originally Posted by greywar View Post
Poor people dont generally own homes. If they inherit a home-they aren't generally considered poor. As for requiring poor people to fund their care by selling their homes......you've repeatedly gone on in other forums about how we shouldn't pay or help others.

By definition middle class do not need the help that the poor do. Once some event occurs, they will be poor and qualify. The problem is often in the transition.
You obviously don't know how Medicaid and recovery works. Yes a poor person CAN own a home through inheritance. And by the way, if they don't, the government pays a large portion of their rent, food, electric, and on and on.

YOU sir are in for a big surprise. The middle class DO need help especially if one becomes ill but even though they worked and paid taxes, (the bill for the poor). Help the poor politicians preach but when if the middle class person becomes poor through illness and need help the government will be deny the help they need. If the middle class are struggling to pay the bills now how in the hell can they be expected to pay additional medical and home care bills when they become ill? Think greywar, think!

With 2 people helping a family member stay home 40 hours each per week it would still cost $46,000 a year to hire help. I know, I was paying the bill before she went in and was going broke doing it.

Do you really believe a middle class person can handle that? While the poor get a lot of help and the family can be off doing their thing (in my cousins case.. getting drunk) the middle class family members go to work, run like crazy to help the elderly parent and are forced to put their own finances at risk to pay for help.

Last edited by petch751; 09-08-2015 at 08:49 AM..
 
Old 09-08-2015, 08:52 AM
 
39,109 posts, read 20,248,870 times
Reputation: 12659
Quote:
Originally Posted by greywar View Post
Poor people dont generally own homes. If they inherit a home-they aren't generally considered poor. As for requiring poor people to fund their care by selling their homes......you've repeatedly gone on in other forums about how we shouldn't pay or help others.

By definition middle class do not need the help that the poor do. Once some event occurs, they will be poor and qualify. The problem is often in the transition.
We middle class people pay and pay and pay and the government still wants more of our money but when a middle class person needs help they are denied the help as if government see's the middle class as a piggy bank with money to spare obviously. That's why they keep going after the middle class for more money using the poor as a wedge issue and if you disagree you're mean. Why in the hell should we keep caring?

Look at what governor Tom Wolf is doing to the middle class, the poor and elderly. The PA budget is 3 months overdue because Tom Wolf veto'ed the entire budget instead of a line item veto because he wants to raise taxes. That includes raising taxes on the middle class who can't afford to pay more. you're all just pawns in the game.
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