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Old 09-08-2015, 12:03 PM
 
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Quote:
Originally Posted by selhars View Post
Are you saying you're mom can't sell her house.....get the money spend in on HER CARE. And then qualify for Medicaid?

If you document every step and every dollar spent, I think you all WOULD be able to do that.
I know all about documentation, when she had her stroke and no POA I paid her bills and when after she was better with her knowledge and permission I paid myself back and then applied for medicaid they treated me as if I was stealing. Later the lady at medicaid explained that there are some familys that would steal from the elderly parents (people have no shame obviously). So I know to document, document, document.

 
Old 09-08-2015, 12:07 PM
 
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Quote:
Originally Posted by selhars View Post
Are you saying you're mom can't sell her house.....get the money spend in on HER CARE. And then qualify for Medicaid?
No, you got to use your brains and think about it..., if she sell her house for money, because she is on medicaid the government will come for recovery (money from the sale). Basically for the middle class medicaid is just a government loan.

Even if that doesn't happen (but it will) she will have more money in her bank account than medicaid allows. She will be disqualified. Now she has rent, debt and medical bills.

You have to think of all scenario's and be careful. As I said with a 75 year old can be good today, needing emergency and rehab care tomorrow. So she would have to spend down the money she got from selling the house, and if she recovers not only does she not have a home she has the debt and rent for a place to live. And we already know that government will not help her with help to go home.

The government is encouraging her to stay in the nursing home, she pays $2045 per month plus the government pays $8,555 a month rather than giving a little assistance allowing her to go home.
 
Old 09-08-2015, 12:12 PM
 
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Quote:
The middle class better start worrying about yourselves.
I know I've cut waaay back on the amount I give to charity. I felt generous for a few years, but now?

I've cut back to six organizations: three are directly local, like a food pantry and volunteer fire department,......one I get a nutrition newsletter from.....and two are the colleges I went to. And I MAY drop the colleges, but I feel guilty -- because I went there and got a good education and want to pay that forward. The third local is the public library. But I'm torn about dropping them because while I feel public libraries need support....I see how much of my tax dollars I already pay, are wasted on other things. But, me not giving doesn't mean the waste will stop....so....

Besides I don't want to become the kind of person that only looks out for Number One. But I see how people can end up broke decades later, and I think I need every dime I have for ME.
 
Old 09-08-2015, 12:17 PM
 
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Middle class working stiff here ...

I think about future scenarios.

Let's say I'm sliding into the dying process and it looks like the expensive version.

If still not out of CA and in a Right to Die state ...

Time to clean the gutters. Oh, but due to vestibular syndrome, I'd better tie out on a safety line. Heck, I've got climbing gear, pretty easy. So I'm tied out. Lo and behold, the safety line somehow got wrapped around my neck ... then he fell off the roof.

"Sorry ma'am, we were not able to revive him. Sad accident. You'd better contact your insurance company."

If in a Right to Die state and within the designated window of life expectancy which allows medical end of life acceleration, easy deal. Just see the doc and get the meds.

If not within the designated window, see CA example above.
 
Old 09-08-2015, 12:18 PM
 
39,109 posts, read 20,243,833 times
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Quote:
Originally Posted by selhars View Post
I know I've cut waaay back on the amount I give to charity. I felt generous for a few years, but now?

I give to six organizations: three are directly local, like a food pantry and volunteer fire department,......one I get a nutrition newsletter from.....and two are the colleges I went to. And I MAY drop the colleges, but I feel guilty -- because I went there and got a good education and want to pay that forward. The third local is the public library. But I'm torn about dropping them because while I feel public libraries need support....I see how much of my tax dollars I already pay, are wasted on other things. But, me not giving doesn't mean the waste will stop....so....

Besides I don't want to become the kind of person that only looks out for Number One. But I see how people can end up broke decades later, and I think I need every dime I have for ME.
You as a middle class person do need every dime for "you" because you won't qualify for help. Our middle class family is an exhibit what happens when a middle class person who moved from middle class to being poor and this will happen to many families. Being around the elderly and paying attention it's sad what I am seeing happen to people.

Did anyone see that elderly man on TV where he was sent home alone without help. He must have been in the same situation as my mother but without family to assist. He ended up calling 911 to ask someone to get him food because he couldn't go to the store to get it and he was hungry. But by damn, if it was my "poor" man cuz, he'd have the help and wouldn't go hungry.

My charity money now goes to taxes and then will go to helping mom. I'm all tapped out.
 
Old 09-08-2015, 12:20 PM
 
6,815 posts, read 7,206,712 times
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As for the rules for state nursing home diversion programs....yeah the rules for that don't make sense. I wonder if nursing home lobbying had something to do with that. Because even a LIVE in 24-7 aide doesn't cost 8K a month. So the state could definitely SAVE by paying for home care and letting people stay home.

I'm not "tapped out" yet, and still feel guilty not giving to charity, especially local ones. But I am thinking about this issue.
Maybe I'll keep those and drop the "bigger ones" that have more reach and a larger donor pool.
 
Old 09-08-2015, 12:38 PM
 
39,109 posts, read 20,243,833 times
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Quote:
Originally Posted by selhars View Post
As for the rules for state nursing home diversion programs....yeah the rules for that don't make sense. I wonder if nursing home lobbying had something to do with that. Because even a LIVE in 24-7 aide doesn't cost 8K a month. So the state could definitely SAVE by paying for home care and letting people stay home.

I'm not "tapped out" yet, and still feel guilty not giving to charity, especially local ones. But I am thinking about this issue.
Maybe I'll keep those and drop the "bigger ones" that have more reach and a larger donor pool.
The total nursing home bill was $10,600 and medicare paid for the occupational therapy. Last week I got a letter in the mail stating that the nursing home bill was increasing to $11,500 per month.

If you income limits don't qualify you for medicaid and you run out of medicare benefits but still need care you become self pay. Sure there are less expensive places but can any of you afford to pay $5k-6K a month? The other option is for your elderly parent to go home and you take care of them on top of working and taking care of your families. For the poor none of this is an issue, you the tax payer takes care of all their needs.

Last edited by petch751; 09-08-2015 at 12:53 PM..
 
Old 09-08-2015, 12:45 PM
 
39,109 posts, read 20,243,833 times
Reputation: 12659
Higher income people will have a big problem because they pay higher fica taxes and they will get higher ss benefits putting them over the medicaid and nursing home transition benefits limits. So while government is taxing them more because they make more they will get no or very little benefits. Higher income people better forego the charity contributions and be saving their butts off for their elder years or you may find yourselves home alone, hungry and calling 911 to get something to eat.

People need to stop buying the "what about the poor" rhetoric used by gov to justify taking more of your money. People, especially middle income people need to start learning, thinking and planning to be able to take care of yourselves in your elderly years or you WILL either be alone hoping someone will help or become a burden on your kids.

Last edited by petch751; 09-08-2015 at 12:58 PM..
 
Old 09-08-2015, 12:58 PM
 
39,109 posts, read 20,243,833 times
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When my mom tried helping cuz Ronnie, didn't charge him a dime for living here, paid for clothes, meals, took him to job interviews and jobs when she should have made him handover money because when he did have a job longer than a month obviously he spent it on booze.

As your family is stress financially and for time, your miserable, ... Take solace, my cuz, poor, poor Ronnie (the victim in society - sarcasm) and his dead beat dad will be well taken care of.
 
Old 09-08-2015, 01:28 PM
 
374 posts, read 404,243 times
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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.
Good Lord, stop falling for BS, Socialism is a serfdom and worse. Have you seen Venezuela lately? Or how about Greece, and I could go on. They are out of food, milk, medicine, people getting hurt etc. We need to stop paying for illegals and start helping our own.

I know America is so great and we won't end up like other Socialist countries.... because well we are capitalist. When we stop that where are all the left liberal going to get their Iphones, starbucks etc.

We need to help the people who worked all their lives and stop rewarding the others with everything. Help yes, all this no.
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