My mother is in an assisted living facility. What do I have to do before her money runs out? How do I get medicaid for her and find out where she could live?
Tags: senior finances, senior housing, facility placement consultant
Financial | Senior Housing | Assisted Living for Seniors
Comments
3/14/2010 6:15:19 PM #
One of your best options in this case, is to contact an attorney who specializes in Elder Law. They can direct you in how to protect certain assets that she still may have, what programs may be available based on her background throught the VA, etc. They will also be able to assist you in insuring that her final arrangements and expenses are paid in advance and preserved through the medicaid process. Nancy L. Austin Director of Marketing Southwesten Group, Ltd. Retirement & Assisted Living, Nursing, Health, & Ambulatory Surgery Centers 412.469.6955 Contact Information for local Elder Law Attorneys: www.todaysseniorresource.com/closeup.asp More Information on Southwestern Group Centers and other Skilled Nursing Facilities: www.todaysseniorresource.com/closeup.asp
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3/14/2010 6:16:45 PM #
I understand that all of this can be very confusing. You do need to get some help right away. There are some assisted living properties that, if a person lives there for 2 or 3 years ( depending on there requirements), once their money runs out, will keep the resident for their monthly income. You need to work with a trained advisor who can connect you with the right places while she (your mother) still has some income to work for her. The majority of assisted living properties will not take Medicaid. Skilled nursing is usually the type of property that takes Medicaid and this is on a very, very limited basis. Also, there are many requirements that must be meet before a senior can be accepted for Medicaid. The best advice is to work with a trained professional who can help you through this maze. And, the sooner the better while she still has some funds to work with. Good luck to you and your family. Sue Lauer Principal Care Specialist Care For Seniors LLC 412 388 1250 sue@findcareforseniors.com More Information on Care For Seniors: www.todaysseniorresource.com/closeup.asp
3/14/2010 6:20:12 PM #
In the state of PA Medicaid only pays for Rehab care when a loved one is in a skilled nursing / rehab facility. Medicare is the component that pays for long term care when a loved one is in a skilled nursing facility and all of their personal funds have been exhausted. Since Nursing Homes run anywhere from 6000-8000.00 a month, and assisted living communities run from 2000 to 4000.00 a month, the families goal should be to pay privately in an assisted living community for as long as possible. Then, when the family has spent down and has only about 3-4 months of savings left, they should start looking around at long term care nursing facilities for a Medicare placement. When looking at facilities, be upfront and left the admission’s dept know that your loved one has depleted their funds and will need a Medicare bed. Because Skilled Nursing Homes bill Medicare & Medicaid for care charges, they are required by law to have a certain number of Medicare Beds. Once in the facility, they will take what your loved one gets from Social Security and their Pension, then bill Medicare for any additional costs for your loved one’s care. Now, there is one other component to this process. You need to have your loved one assessed and determined appropriate for a skilled need and placement at a skilled long term care facility. This can be done through contacting the Allegheny County Dept of Aging, your assisted living facilities’ admission department, or the admissions department at the long term skilled community in which you are looking to move into. These folks should also be able to explain the above placement process. Bonnie Prisk Director of Community Relations JuniperVillage at Forest Hills (412) 244-9901 For more information on Juniper Village of Forest Hills and other Assisted Living Centers: www.todaysseniorresource.com/closeup.asp
4/3/2011 10:04:05 PM #
We desperately need help. My husband's parents are residing in an assisted living situation and have been for four years. My father-in-law(92 yrs) is just very, very tired and no longer capable of handling their finances. My mother-in-law(90 yrs) is running amuck drawing out large sums of money every two or so days and spending it on who knows what. We are taking her car away so that she no longer is on the road and unable to go to a bank. They are nearing the end of their money and have to move to a cheaper apartment within their present residence. They have no understanding of their dangerous financial situation and seem to feel that they can go on forever living in the same lifestyle. Their income is so limited with a very small amount of savings still left which will allow them to go on for about 13 more months and then, we have no idea what to do. We are all retirees ourselves and are in no position to pay for any of their expenses. Please advise...we are so stressed out that our lives have been very adversely affected. Thank You.
Carol Anderson
4/3/2011 10:13:28 PM #
PS-My father-in-law already collects VA benefits and Social Security. He was recently turned down for Aide and Assistance. My mother-in-law collects Social Security. They were receiving benefits from long term care insurance but both have collected the maximum and that has run out. My mother-in-law has fallen numerous times and the last fall was a few weeks ago and guess what? she was coming out of the bank after making another sizeable withdrawal. We have taken over management of their finances and consolidated what little money they have into one bank from three banks...and so now we have a terrifying picture of how little they and who is depleting their funds. Thanks again.
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