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Live in mass when is the only time medicade w fully cover nh expenses..rent apt and lease a car..he spemt his full retirement monies nothing in bnk just ss vhecks
Jimmy - Medicare does not pay long term care. or does Medicare have an Interest in your life insurance.
Medicaid does pay for LTC but you have to qualify both medically - you have to show the needed for skilled nursing care; & financially - be impoverished with 2k in assets & be under whatever your state has set as the limit for monthly income. Contact your state program to get details.
Stefani- once he is on Meducaid his BcBS will probably suspend. So no longer will the $200 a month taken out for that happen. Medicaid is going to either be his primary or his secondary for all health insurance ( Medicaid will be the secondary to anything that Medicare pays). If you need to yourself stay on BCBS then you probably are going to let them know and you pay the premium for your solo coverage.
For Medicaid he has to do a coPay or his SOC (share of cost). If you as the "community spouse" need his income paid to you rather than going to the NH as his copay or SOC, either you have to apply for it other state calculates what the community spouse monthly figure is. each state has a baseline amount of what supposedly you need & can live on that the CRSA or MMNA is based on.
If its not enough for to cover your expenses you really have a limited choices: - you get an elder law attorney to get it higher, if feasible - you downsize & reduce all your expenses. If hubby's debt is out there, and you can't pay it, then you either declare bankruptcy or plan on ignoring it for next several years. I'm sorry but it's really just hard hard limited options.
If you got all your hubby SS could you make ends meet?? Look hard at all this. If not, then you are just going to have to make hard choices as how to downsize.
Well folks yes he is in a nh now after this last fall w lots of burns from cooking soup all over him...then the e.r. then the hospital now he's in nh in rockport..mass .they want 900$ a month..told our elder lawyer ..they did not take his bc/b.s. of 200 as month into consideration..I just gave nh 500$ so they wd not kick him out...we get ss total 2400$ month. 1180$ rent. 250 utilities. .car..bills ins total 600$
Please, please, get accurate information. I'm not clear if he already HAS Medicaid and they are paying, or whether you still have to do an application. If you refuse to apply for Medicaid then the nursing home will expect you to private pay which is above most people's income. And I think you are right about needing the nursing home. Medicaid will cover most of it. I'm not sure if it is possible they will cover all of it - I think under some circumsntances they might- but you need to find out. In Pgh PA there was a decent charity care option called Kane Care - at least some facilities were decent and they had wait lists that were not overwhelmingly long, but that was a few years ago. I hope there is a good way to make this work for you, it is a tough time, and solid information is not always easy to come by.
Stefani, let's say you get $1200 in SS and so does he, so it is $2400 a month. But your rent/food/utilities are $2000 a month. They will only take the remaining $400 to pay for his care. The spouse gets an "allowance" to cover their needs. They will not take your house, you get to stay there.
Because they go after your ss checks and thats sll I have to live on..I w not allow that I worked too hard for tha t money..he belongs in nh for the three altz. Dementia and uncontrolled type two diabetes snd hepatitis c
I have no assets I lease a car and rent an apt he spent his full retirement gambling..there is nothing in the bank..just our teo ss vhecks. My check pays the rent and his pays the utilities, food and health ins, renters ins, car ins..phys bills for him and me..we have no cd's, propertu or any assets..just a life ins policy for his burial..I don't have any burial plans..he now has mass health Medicaid and has been transferred from the E.R. to a nursing home because of burns. For another fall while he was cooking boiling soup..now I want him to stay in there because he has altzheimers..dementia and uncontrolled diabetes because he cannot remember when or correct doseage..so he always ends up in the e.r. for all his falls. This one was the worst..why can't Medicaid pay for him to stay in there?
Stefani - For Medicaid, you are considered to be the "Community Spouse" and that means you will continue to live in your community and as such will need some income to do that. The state does NOT expect you to become impoverished. If your now living in the NH spouse was the main source of income and you need some of his income to be able to live in the community, then part of his required under Medicaid co-pay (his SOC -share of cost) can be diverted to you to cover your living in the community expenses. This is called the CRSA - Community Spouse Resource Allowance and also is called the MMNA - Monthly Maintenance Needs Allowance / Assessment. It's kinda like alimony for the NH set.
Now the states (each state manages the Medicaid program uniquely under an overall federal guideline) have a formula or a set amount that is a baseline for what the "community spouse" can keep. Like for TX, the CS can have up to 113K in liquid assets, the standard exempt assets (a homestead & a car) and up to $ 2,931 a mo in CRSA. TX Medicaid NH resident a maximum $ 2,163 in monthly income.
The whole CS situation can get complex & it's a lot to deal with as you are likely more focusing on hubby's care & needs and exhausted with just dealing with all that. Personally I think you need to get an elder law attorney to work with you to maximize what you get to keep each month.
You should get an awards letter from Medicaid for you & your spouse that details what his copay or SOC to the NH is and what you as the CS keeps. My suggestion is that you really need to appeal the amount no matter what. The appeal needs to be in writing &/or sent by fax to your state's Medicaid program and asap after you receive the letter too. By doing an appeal it buys you some time to get legal (whether it's a paid attorney or done for reduced or no cost by pro-bono legal clinic) to get your CRSA / MMNA increased. But you have to do something definitive in writing or fax to the state on this. Good luck.
Massachusetts will assess your financial needs as to how much of your husbands SS check will be used for his nursing home expense. As for the money he used for his gambling, there is the five year look back that will be considered to his disadvantage. Term insurance policy will have no affect, but a cash value policy will factor in. Transitional assistance in Massachusetts is for two years only. Are you also on social security?
Stefani, you have received very valuable advice. One more thing to consider as you plan for your future. When he passes you will be entitled to one Social Security check not two as I believe you collect now. I believe it will be the higher of the two that is what happened to my mother.
Stefani, make a list of your expenses for the apt, car, utilities, food and your medical bills per month. You will get enough to cover that. They only take what is left over, to cover his care, and Medicaid pays the rest.
JessieBelle is right - just go ahead to the office and apply. Your husband without a doubt qualifies for nursing home care. You may have special needs/low income options or exemptions and be left with plenty to live on. Medicaid is not as able to just pick up the tab for everything needed in the long term care arena, but they are also not in the business of deliberately impoverishing people or making it impossible for you to stay in your own home. I'm thinking the hospital social worker, discharge planner, or financial counselor could possibly help you sort things out. Maybe you don't actually have to do anything else, but its hard to tell...
You could also go to the Social Security office too and get "representative payee" for his check and that could allow you to retain some control over it; otherwise the nursing home might want to do that and use it towards the cost of his care, leaving him a small monthly allowance, but again, get specific individual advice on what is possible and what is best in your situation. Rep payee is separate from POA and guardianships and almost everything else. I think you still have to go in person to get that done.
He is on medicaid (mass health) he has altz/dementia w/ uncontrolled diabetes. .fallen a dozen times..now transfer ed from hospital re another fall w burns from tripping. W hot soup all over himself. .now the hospital put him in a nursing home..to continue to care and control all mental and medical problems he has along w incontinence bowel seepage. .hepatitis c..no washing himself. .control over his insulin w two pages of medication. .now because of him spending his whole retirement money 35, 000 to the lottery we just have ss checks..I need to keep them for rent food electric health ins lease car pmnt ins ..why cannot Medicaid pay for him to be in a nursing home and when is the only time this happens?
stefani, if he needs to go on Medicaid, go ahead and apply. The state will make the determination about how the SS check will be used. I take it that you do not have your own SS check to help out. They will take that into account.
Is the life insurance policy term or whole life. If it is term, the state will have no interest in it. It will continue as long as someone keeps up the payments. If it is whole life, you may be asked to surrender it in favor of a smaller amount. The amount may differ between states.
It sounds like you are not in the best economic shape. I don't know how much your husband lost to the lottery tickets or how Medicaid will see it. You can always try. The worst they can say is either no or not yet.
No he was not a vet ....and no I will not let them touch his ss..then I wd have to go to welfare for rent, electric, health insurance, car pmnt car insurance, renters insurance senior care bill
Also, typically, If the life insurance policy has a cash or face value over a certain amount and can't be designated for burial and funeral expenses, you may be required to surrender that too...but otherwise they do not touch that.
Stefani, as community spouse, they will let you keep just enough to pay rent and food and utilities. I do not know what they will do or say about all the retirement money going to gambling, which I assume you found yourself unable to exert any control over. You need to visit with your local DHS or social services office and be prepared to document everything they ask for. Was your husband a veteran by any chance? There are sometimes some other options open if so.
My husband in in nh..has dementia w Alzheimer's. Taken many falls caused by uncontrolled diabetes two..cannot take care of himself I want him to sta y in nh after they care of burns all over himself caused by falling again..we have no assets renting an apt and leasing a car..he spent his retirement monies on lottery tickets..he's om mass health..question is this because of no assets or nothing in bnk wd Medicaid fully pay for him in nh and let me as c spouse let me be able to use both our ss checks for rent and house expenses?
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Medicaid does pay for LTC but you have to qualify both medically - you have to show the needed for skilled nursing care; & financially - be impoverished with 2k in assets & be under whatever your state has set as the limit for monthly income. Contact your state program to get details.
For Medicaid he has to do a coPay or his SOC (share of cost). If you as the "community spouse" need his income paid to you rather than going to the NH as his copay or SOC, either you have to apply for it other state calculates what the community spouse monthly figure is. each state has a baseline amount of what supposedly you need & can live on that the CRSA or MMNA is based on.
If its not enough for to cover your expenses you really have a limited choices:
- you get an elder law attorney to get it higher, if feasible
- you downsize & reduce all your expenses. If hubby's debt is out there, and you can't pay it, then you either declare bankruptcy or plan on ignoring it for next several years.
I'm sorry but it's really just hard hard limited options.
If you got all your hubby SS could you make ends meet?? Look hard at all this. If not, then you are just going to have to make hard choices as how to downsize.
t money..he belongs in nh for the three altz. Dementia and uncontrolled type two diabetes snd hepatitis c
Now the states (each state manages the Medicaid program uniquely under an overall federal guideline) have a formula or a set amount that is a baseline for what the "community spouse" can keep. Like for TX, the CS can have up to 113K in liquid assets, the standard exempt assets (a homestead & a car) and up to $ 2,931 a mo in CRSA. TX Medicaid NH resident a maximum $ 2,163 in monthly income.
The whole CS situation can get complex & it's a lot to deal with as you are likely more focusing on hubby's care & needs and exhausted with just dealing with all that. Personally I think you need to get an elder law attorney to work with you to maximize what you get to keep each month.
You should get an awards letter from Medicaid for you & your spouse that details what his copay or SOC to the NH is and what you as the CS keeps. My suggestion is that you really need to appeal the amount no matter what. The appeal needs to be in writing &/or sent by fax to your state's Medicaid program and asap after you receive the letter too. By doing an appeal it buys you some time to get legal (whether it's a paid attorney or done for reduced or no cost by pro-bono legal clinic) to get your CRSA / MMNA increased. But you have to do something definitive in writing or fax to the state on this. Good luck.
One more thing to consider as you plan for your future. When he passes you will be entitled to one Social Security check not two as I believe you collect now. I believe it will be the higher of the two that is what happened to my mother.
You could also go to the Social Security office too and get "representative payee" for his check and that could allow you to retain some control over it; otherwise the nursing home might want to do that and use it towards the cost of his care, leaving him a small monthly allowance, but again, get specific individual advice on what is possible and what is best in your situation. Rep payee is separate from POA and guardianships and almost everything else. I think you still have to go in person to get that done.
Is the life insurance policy term or whole life. If it is term, the state will have no interest in it. It will continue as long as someone keeps up the payments. If it is whole life, you may be asked to surrender it in favor of a smaller amount. The amount may differ between states.
It sounds like you are not in the best economic shape. I don't know how much your husband lost to the lottery tickets or how Medicaid will see it. You can always try. The worst they can say is either no or not yet.
this because of no assets or nothing in bnk wd Medicaid fully pay for him in nh and let me as c spouse let me be able to use both our ss checks for rent and house expenses?