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My mother had a stroke. She's at a rehab center as a short-term patient now but her allowance under Medicare will soon be up so we have to decide whether to transfer her to Long Term Care. She cannot take care of herself now and based on the conversations I have had with various parties, it doesn't seem likely that the government will approve 24/7 home care. My wife and I both work full time and there's no way we can provide adequate care for my mom. So at this point it looks likely our best option will be long term care.
The center is asking for the social security payments she gets every month. They say that money will go to the center except for a small monthly allowance.
I asked for some brochure or booklet from them that has information that explains things but they say they don't have anything like that. (Seems like a pretty normal thing an organization would have, no?)
I wanna ask y'all if you know what the arrangement is in these situations?
My mother had a stroke. She's at a rehab center as a short-term patient now but her allowance under Medicare will soon be up so we have to decide whether to transfer her to Long Term Care. She cannot take care of herself now and based on the conversations I have had with various parties, it doesn't seem likely that the government will approve 24/7 home care. My wife and I both work full time and there's no way we can provide adequate care for my mom. So at this point it looks likely our best option will be long term care.
The center is asking for the social security payments she gets every month. They say that money will go to the center except for a small monthly allowance.
I asked for some brochure or booklet from them that has information that explains things but they say they don't have anything like that. (Seems like a pretty normal thing an organization would have, no?)
I wanna ask y'all if you know what the arrangement is in these situations?
Yes in my experience they take everything unless the spouse or a disabled dependent child is in the picture. They'll take everything but the dust underneath your bathroom sink. Social security, pension, disability everything.
In the case of my grandfather they couldn't take everything though because my grandmother was disabled and still alive at the time. So they took about half or something like that.
But it's worth it, because if the facility is good you want your parents to spend their final days in dignity and not in squalor.
If she has any assets, look into something called Community Medicaid. There's much more flexibility in dealing with / keeping assets, and they will pay for home care.
If she has any assets, look into something called Community Medicaid. There's much more flexibility in dealing with / keeping assets, and they will pay for home care.
Here in New York the requirements are the same as Medicaid .community Medicaid is health insurance combined with long term care.
In order to be eligible for both types of Medicaid in 2019, an individual must be disabled or age 65 or older, and can have no more than $15,450 in non-exempt resources ($22,800 for a married couple who are both receiving Medicaid
All they say is "long term care." I don't know if that is assisted living or skilled nursing care. Is assisted living the one that's more intensive?
My mom cannot walk or get up to go to bathroom. And she needs a lot of help to eat puree food. So is that considered assisted living?
No, that's more than assisted living. That's straight up nursing home/long-term care. Usually one is admitted based on one's assets/income. When the assets are depleted, an application is made to Medicaid for Title XIX care.
The nursing home/long-term care facility should be very well-versed in how to transition her through the process into Title XIX. If they aren't, she's in the wrong place.
If she has assets - such as a home to sell - she will in a better position to choose the facility.
If she immediately needs Medicaid/Title XIX, there will be fewer choices.
Quote:
Originally Posted by macnyc2003
You might also want to post in the retirement board here. There is a sub group for insurance questions.
This is the Insurance Forum linked at the top of the Retirement Forum page.
The difference is that the look back period for traditional Medicaid is 5 years. For Community Medicaid, it's 30 days.
And this is NY specific
Quote:
Originally Posted by mathjak107
Here in New York the requirements are the same as Medicaid .community Medicaid is health insurance combined with long term care.
In order to be eligible for both types of Medicaid in 2019, an individual must be disabled or age 65 or older, and can have no more than $15,450 in non-exempt resources ($22,800 for a married couple who are both receiving Medicaid
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