My father is a retired military person with TriCare for Life benefits. He is currently in a skilled nursing facility. I understand that if his Medicare runs out that TriCare will only pick up the costs if it is determined that his continued residence is "medically necessary." If this is not the case, and he must resort to a nursing home, can the state/Medicaid access funds in a joint banking account? What about properties he divested himself of by making gifts of them within the past year?
I believe that joint accounts are considered income. Also, you can "spend down" until you reach the qualifying limit.
It would be best to consult a financial advisor or attorney who specializes in this area.
(btw, if he has "medically necessary" housing needs that would qualify for a nursing home, why would he not qualify for an assisted living center?? Make his doctor aware of this ins. requirement and have him draw up a letter stating his medical needs in detail.)
good luck
A social worker where your father is now can help you get started on the application process. If the financial situation is complicated you may benefit from also consulting a professional, as Lilliput suggested.