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Elite Veteran
Posts: 1079
 
| So my MIL is being moved from a hospital to a nursing home today after a traumatic brain injury. IMO she will never leave there and is only 68 and in otherwise good health, just basically a shell now that can't do anything for herself.
Her spouse is no longer living. I don't want a bunch of legal talk - real talk from those who've been there - what will they want to try to take from her and how soon? asset wise. House? Lake property? Vehicles and accounts?
her sons are meeting with an attorny today but I would love to hear any real experiences. | |
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  The Original Cyber Bartender
   
Location: Washington | Who is the legal guardian? Once she is checked into the nursing home, whomever is the guardian will have to say how the bills will get paid, S.S, medicare etc. IF she has a lot of assets do not list them. I would hope for the family she has a living trust? | |
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 Friendly horse swapper
Posts: 4122
Location: Buffalo, TX | They will take her home, bank assetts, stocks etc....you will get $2000, 1 vehicle, and her personal assetts...so sorry this is happening to you....preparations have to be made 7 yrs. before entry into a nursing home..
yes...after reading fatchance post, hide what you can....
Edited by Cindy Hamilton 2015-03-25 10:58 AM
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The Original Cyber Bartender
Location: Washington | Cindy Hamilton - 2015-03-25 8:57 AM They will take her home, bank assetts, stocks etc....you will get $2000, 1 vehicle, and her personal assetts...so sorry this is happening to you....preparations have to be made 7 yrs. before entry into a nursing home.. yes...after reading fatchance post, hide what you can....
Edited to add that if she doesn't have money, what Cindy has said is true. It is to late to put her stuff in a trust.
Edited by fatchance 2015-03-25 11:04 AM
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Industrial Srength Barrel Racer
Posts: 7264
| fatchance - 2015-03-25 10:59 AM
Cindy Hamilton - 2015-03-25 8:57 AM They will take her home, bank assetts, stocks etc....you will get $2000, 1 vehicle, and her personal assetts...so sorry this is happening to you....preparations have to be made 7 yrs. before entry into a nursing home..
yes...after reading fatchance post, hide what you can....
This - I am lucky enough that my dad makes enough monthly from his retirement, that it's just like he is paying a (VERY HIGH) apartment rent.
That's sad that she is so young! My dad is 86. | |
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Friendly horse swapper
Posts: 4122
Location: Buffalo, TX | fatchance - 2015-03-25 10:59 AM Cindy Hamilton - 2015-03-25 8:57 AM They will take her home, bank assetts, stocks etc....you will get $2000, 1 vehicle, and her personal assetts...so sorry this is happening to you....preparations have to be made 7 yrs. before entry into a nursing home..
yes...after reading fatchance post, hide what you can....
Correct, but it's unusual for most people to have that kind of disposable income with the cost of nursing homes being at least $4000 per month...this has happened to several people I know and every single one of them lost their family home, even after they tried to keep up with the monthly nursing home cost...it was bleeding them dry...sad... | |
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boon
Posts: 4
| What state is she in? States have different Medicaid laws. | |
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 Expert
Posts: 5290
| I was lucky my mom had a special insurance plan just for this reason. She also put the Property assets ( Our ranch) into a Trust, they could not touch it. She did not want me to lose the ranch to help with her care. Hope this helps. I do know if you have nothing ( Assets) you can qualify for medicaid. However, if this happens, make FREQUENT VISITS to the home. Elderly persons are treated differently based on the public " Free" stays and cash paying customers. Its very sad. | |
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Extreme Veteran
Posts: 316
| I would talk to a financial Advisor that you trust locally ASAP and get their advise. explain all to them and they can figure out ways to save the money or keep regular income coming in from IRA's. | |
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Industrial Srength Barrel Racer
Posts: 7264
| Cindy Hamilton - 2015-03-25 11:09 AM
fatchance - 2015-03-25 10:59 AM Cindy Hamilton - 2015-03-25 8:57 AM They will take her home, bank assetts, stocks etc....you will get $2000, 1 vehicle, and her personal assetts...so sorry this is happening to you....preparations have to be made 7 yrs. before entry into a nursing home..
yes...after reading fatchance post, hide what you can....
Wow - this makes me realize just HOW lucky I am that dad has enough monthly income and enough saved. His home costs him $150/day.
Isn't it sad that people work their WHOLE lives and then they lose their homes due to this? It just doesn't seem right. | |
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Veteran
Posts: 114
| I work for a nursing home. Please feel free to PM me. Wishing you and your family the best. | |
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 Extreme Veteran
Posts: 403
Location: Armuchee, GA, NW section of Ga | As a owner and operator of 7 LTC facilities you do have some options, but if your family member has assets then naturally they will be paying as a private pay until the assets are reduced to qualify for Medicaid. Depends on what state they live in as to if they can retain the family home. But bottom line is if they have the funds, then yes they will be expected to pay for their own care unless they have some type of supplement or insurance to help pay for their care.
Question # 1, do they have Medicare? Did they have 3 mid nites in the hospital for which a skill need & care was provided. Medicare will only pay for 100 days per spell of illness. SO, If they still requires daily skilled care then Medicare will pay 100% of their care for the first 20 days. After that, Medicare will only pay 80%, and you will be responsible for the other 20%. If there is a supplement or insurance then that will be paid through that, but if not then someone will have to pay that 20%. AFTER the 100 days are finished, you must have 60 consecutive days of wellness or non skilled care to qualify for another 100 days of Medicare skilled care, AFTER yet another 3 mid nites in the hospital to kick off the new 100 day cycle. Sounds complicated but you have to remember, Medicare is a payer of last resort. They don't like to pay but will under certain rules, and nursing homes love Medicare residents. Also, if they are on a feeding tube because they are unable to eat then more than likely they will only qualify for one 100 day spell of illness. You really need to go online to know the rules in your state for Medicaid. If in the future you try to apply, know the rules to qualify. It is true, they will take all until you qualify for Medicaid. Wealth needs to be out of their name for 5 years to qualify.
Best of luck, their are good facilities out there, but a lot of not so good too. Check out, investigate and follow up. | |
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 Popped
Posts: 20421
Location: LuluLand~along I64 Indiana | my step mom went into a nursing home/rehab facility with a tramatic brain injury. make sure you pick one that will care and try for her. She went in with no capabilites and a feeding tube. She left 5 months later able to walk talk and with only a slight memory loss. | |
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 Hugs to You
Posts: 7550
Location: In The Land of Cotton | janjan1 - 2015-03-26 8:30 AM As a owner and operator of 7 LTC facilities you do have some options, but if your family member has assets then naturally they will be paying as a private pay until the assets are reduced to qualify for Medicaid. Depends on what state they live in as to if they can retain the family home. But bottom line is if they have the funds, then yes they will be expected to pay for their own care unless they have some type of supplement or insurance to help pay for their care. Question # 1, do they have Medicare? Did they have 3 mid nites in the hospital for which a skill need & care was provided. Medicare will only pay for 100 days per spell of illness. SO, If they still requires daily skilled care then Medicare will pay 100% of their care for the first 20 days. After that, Medicare will only pay 80%, and you will be responsible for the other 20%. If there is a supplement or insurance then that will be paid through that, but if not then someone will have to pay that 20%. AFTER the 100 days are finished, you must have 60 consecutive days of wellness or non skilled care to qualify for another 100 days of Medicare skilled care, AFTER yet another 3 mid nites in the hospital to kick off the new 100 day cycle. Sounds complicated but you have to remember, Medicare is a payer of last resort. They don't like to pay but will under certain rules, and nursing homes love Medicare residents. Also, if they are on a feeding tube because they are unable to eat then more than likely they will only qualify for one 100 day spell of illness. You really need to go online to know the rules in your state for Medicaid. If in the future you try to apply, know the rules to qualify. It is true, they will take all until you qualify for Medicaid. Wealth needs to be out of their name for 5 years to qualify. Best of luck, their are good facilities out there, but a lot of not so good too. Check out, investigate and follow up.
Good info. Thanks. | |
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Extreme Veteran
Posts: 403
Location: Armuchee, GA, NW section of Ga | Also you should check into if the facility offers some type of rehab. Just because she cannot do something now, doesn't mean she won't be able to. I've seen wonderful things happen. Some recovered more than others , but their quality of life was also greatly enhanced by rehab. After a few sessions there should be some improvement if it reasonable to expect some. The therapist will and should advise if there is to be. They should not continue therapy, and bill Medicare or the insurance if some type of progress is not made. The documentation must support their bills in order to be paid.
Bottom line, so see all that is available, don't stop with one. Smell the facility, look at the residents, speak with them and staff. Look at the more modern facilities too that offer a Green House Project like atmosphere, or Eden Alternative, or even better is the Resident Directed Care which is cottages, all private bedrooms and private bathrooms. still they are nursing homes but are something you & I would want to live in. Nice places.
best of luck,
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Elite Veteran
Posts: 1079
| Thank you all for taking the time to respond.
I struggle with posting private family stuff to public forums, so I have private messaged a couple people who I feel might offer further insight to our specific situation.
The hospital social worker helped them place her in a facility in our home town. Not a lot of choices, so everyone is just glad she's "home". She will be doing some rehab/ speech / occupational / PT, however she did not qualify for the stricter true "Rehab Facility" which requires patients can perform 3 hours a day of strict therapy. She doesn't stay alert that long. So that's how they decided to go the nursing home route.
It has been a challenging time and I doubt that will be changing any time soon. The things you never expect to have to deal with. :( | |
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 How freakish is that?
Posts: 3927
Location: Oregon | For those saying "hide your assets" that's like saying "hide your assets so you can get on govt. assistance". It's not like it's free after you spend down all your assets, Medicaid has to pick up the tab at that point. | |
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Extreme Veteran
Posts: 403
Location: Armuchee, GA, NW section of Ga | You know I hear of people all the time wanting to protect their assets....to go on Medicaid and have the government pay for their stays in whatever health department or agency is caring for them. And I understand completely BUT if you have the funds, assets or insurance , then pay your own way. I too want to protect my assets, BUT I will pay what I owe for my care. I don't want to give away what I worked hard for in my life. But I will not expect the government, who already has much too many mooching, to provide something that I owe. If i incurr a bill, I will pay that bill. So to "hide assets" is only cheating a system that is already over loaded with cheaters. Then after you spend down YOUR assets, then you can legally apply for your benefits due to you. I, as a mother and grandmother want to protect my family, to give them whatever to make life easier, but I also expect them to pay their own way in life. I will aide them, but I will not assure life on easy street. They need to be abLe to care for themselves, to be strong men & women like I raised them to be. I won't be around forever as I am 61, and I want to make sure my family is taken care of naturally, but they need to do it themselves too. After all, life is what you make it and it is often not fair. Alright, stepping off that soap box now. | |
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Expert
Posts: 1956
Location: Ky | star1218 - 2015-03-25 10:39 AM So my MIL is being moved from a hospital to a nursing home today after a traumatic brain injury. IMO she will never leave there and is only 68 and in otherwise good health, just basically a shell now that can't do anything for herself.
Her spouse is no longer living. I don't want a bunch of legal talk - real talk from those who've been there - what will they want to try to take from her and how soon? asset wise. House? Lake property? Vehicles and accounts?
her sons are meeting with an attorny today but I would love to hear any real experiences.
Medicare A will pay the first 20 days. If she has a supplement then it will pay the next 100 days. If she has a medicare advantage plan then there will co pays for that 100 days. Usually $100/day co pay.
If the rest of the stay is private pay or if she has long term care ins them it's none of anyone's business about her assets and none will even e asked about.
The assets will come into play if she is wanting/needing medicaid to pay for the nursing home days. Then it gets complicated and they can seize assets. There's aslo a 5 year lookback on the assets so if a home, for example, was moved to someone else's name last year to avoid something like this then it still counts. A local person got in some serious trouble for taking $40,000 out her savings account just before going before the administrators. They will find out if one does something like that.
No short answer for what you are about to face unless it's private pay. | |
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 Elite Veteran
Posts: 927
Location: Iowa | when she runs out of cash then the power of atty. will have to liquidate assets. Houses, cars, stocks and bonds, Ira's and retirement accts.. Some stuff can be hidden but the major assets have a paper trail. | |
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