My dad had successful surgery a couple weeks ago and is in rehab at a very nice nursing home. He is physically strong for 87, but has dementia and his manic/depressive/egotistic/delusions of grandeur personality is as bad as ever. The nursing home dropped the pay-down to medicaid bomb on me - 5 years of all records etc. $8,000+ per month etc.
Question: What if I just didn't pick him up from rehab? What would they do? I've put myself in a lather trying to figure out where to put him. What if I just left him there? I'm not bringing him home. I simply don't want him anymore. I'm sorry - I don't want him around me. I don't want to care for him. I'd be just happy if they kept him and liened his property and social security etc. I don't mind that - it seems they'd do that anyway. Would they put him in a car and bring him to my doorstep? Would they just keep him and apply for medicaid themselves? What would they do? Does anyone know?
My suggestion would be to investigate using a geriatric social worker. They're very expensive (here in NY a good one is $200/hr-- like a good lawyer), but a good one can make an incredible difference in terms of stuff like understanding and applying for benefits and knowing about the best local services that are available for your father. If you're planning to spend down, this might be a good place to put some of that money. In terms of looking for a geriatric social worker, your local Alzheimer's Association is probably a good place to start.
You know, you might want to think about the language you're using to describe your situation and feelings. If your father is 87, with the problems he's got, it's obvious you have done a lot for him-- perhaps even more than he did for you as a father. And "that I've put myself in a lather trying to figure out what to do with him" shows that you still care, and that you're a responsible adult. I understand that you're angry and frustrated. It's a frustrating no-win situation that isn't fair to you. But you're the good guy here who should maybe put some effort into getting people to sympathize with you.
An Alzheimer's Association might be a good place to start venting some of your feelings about your predicament.
Therefore the 5 year documentation time-bomb. Now since like 70% of all NH residents are on MedicAID, the NH just assume that Dad will need to apply for Medicaid. So therefore you (as I bet you were the one who signed Dad into the facility…more on that in another post) have gotten the list of documents required for the state's Medicaid application & also what the NH wants to see to determine IF they (the NH) will accept Dad as a "Medicaid Pending" resident. The NH doesn't know just what Dad's financial situation is, they just assume he will need Medicaid as most do. NH costs between 5K - 15K a month and they cannot be left with a non-paying resident. The NH will have no choice but to take some sort of collection action if Dad does not apply for Medicaid or private pay or family does not sign off a payment contract.
If Dad has non-exempt assets over 2K and income over whatever your state has as it's monthly income ceiling, he will NOT qualify for MedicAID. Like for my mom in TX, when I did her application she had about $ 1,500 in bank account & $ 1,800 a month from SS and retirement so she was under the 2K in non-exempt assets and under the $ 2,094.00 in income allowed. She still has her home (exempt asset) a prepaid NCV funeral policy, a smallish term life policy and that is it. Basically for Medicaid, they have to be "at-need" which financially means impoverished. If they live long enough, imho, they will eventually run out of $$, the caregivers will run out of ability, and they will need to apply for Medicaid unless they are generationally wealthy or plan a decade ahead (which most just won't do).
As dad owns rental property (a nonexempt asset), NO Medicaid for Dad. I bet he has over 2K in the bank too and likely other investments, so NO Medicaid. You can go ahead and apply but it will come out and he will be declined. Personally I would suggest that you do NOT apply for Medicaid but instead contact a elder law attorney and get all those documents together and take them so that you can get some insight on just what Dad's options might be. You might as well tell the NH that Dad has too many assets for Medicaid & pay the huge private pay for the next couple of months so that Dad can continue to stay @ this NH. This period of time that the private pay covers is what you use to come up with a plan (based on what the elder attorney suggests) to deal with paying for Dad's NH. I hope you have DPOA with finances for your dad or you have a sibling who does, otherwise you will have to go the guardianship or conservatorship route first and that is a pretty good expense (i'd say 10K - 15K alone for a G/C).
This can get ugly too. At my mom's NH#1 there was a lady who's son refused to pay her bill. He had applied for Medicaid for her, but was declined at about month 4 in the state's Medicaid application process as her home had been sold by Sonny and he did not use the proceeds from the sale for her care and so there was a pretty good transfer penalty. So although she was now impoverished and qualified for Medicaid, she was ineligible for any Medicaid payment till the transfer penalty was worked through. Son (a real Ahole imho) just flat refused to deal with it; I had been there other times when he was visiting and lots of yelling and demanding by him on staff not doing their job.... NH contacted APS and lady was placed under emergency temporary guardianship by the court. The guardian then moved her to another NH. Son - as he was not her guardian - was not told of the move either. It was some kinda ugly, police called and all sorts of threats by Sonny. NH turned lady's account over to collections too and all was in Sonny's name.
Now all this is extreme. But my point is you don't want the situation with the NH to become adversarial. If you private pay a couple of months, it gives you time to plan just how to divest dad's assets & NH is happy. I would also suggest that you do a smallish personal needs account ($ 200.00) for Dad @ the NH too - like for barbershop. Dad because of his assets will not qualify for Medicaid. You probably are very limited to just what you can do with his assets but you want to do whatever to maximize things that are best for his needs. Another reason not to apply for Medicaid right now is that once he is declined by Medicaid, it will be in the system and he will be toast on getting into any other facility unless it is private pay with a signed contract by family.
The only other option is you have to move him back home (email me your address, I send you a case of Prosecco). And that is just not feasible, now is it?
Really find a experienced elder law attorney asap; start culling through Dad's paperwork; get binders going on all his assets to stay organized; and keep the lines of communications open with the NH. Good luck!
1) Do you have a medical or mental health provider that can help you determine that you are physically / mentally / emotionally unable to provide your father's care without physically / mentally doing harm to yourself? A caregiver does no one any favors by being too run down to care for the parent. Wouldn't your father's quality of life be compromised if he was cared for by someone who just could not do it?
2) I have the same thoughts and feelings towards my mother more often than I'd like to admit. By having professionals provide care for her, I can just visit and hope to salvage a little bit of the relationship. I have been to visit at times when her meanness pushed me to the edge ..... and I was able to just LEAVE. It's impossible to stay in the room (much less provide care) for someone who can make your blood boil.
As usual, Ba8alou is right on target. An eldercare attorney would take a load off of you and be paid from your father's funds while it is all sorted out.
Best best wishes to you. Please take a deep breath and realize "we got your back", then find something to do today that makes you smile!
To the point of the question, Medicare does pay for 100 days of rehab. Nursing homes/rehabs will ask family members to bring the elder home early after 30 or 60 days, because they benefit if they can get patients in the first 30 days. The home gets more payment from Medicare. However, you can get the 100 days of rehab if he needs it.
Too sad for words that no one wants to care for this elder or arrange a proper placement for him. The good book calls us to "honor they father and mother" I missed the verse that says it is proper to walk away from thy father and mother.
However in today's society some fathers fall short and many children fall short of caring for their elder. At 87 he will not live another 10 yrs in most cases --so getting him a proper placement if he needs one ---seems little enough to do.
Getting tired of folks who put themselves first always. Even if he was not a great dad, for god's sake find him a proper placement. Yes it takes some work, so what. Be the better person.
But, still, it's a reasonable assumption - as long as those who have good reasons to also feel free to correct it.
How that came about is a different question, and what to do about it is another question again. But the other really important point is that BlueRidge is sad about it too - not being able to provide home care for someone is not the same as not caring about him at all.
And it is crucial for elders' safety and wellbeing that we each of us recognise when we've got to the end of our rope, and admit it, and do something about it. Whited sepulchres in this context would be very dangerous indeed.
God Bless you all...and Big Hugs
Marylee
Let the professionals take care of your Dad..