Hello, My mother is 78 and in poor health (multiple co-morbidities). She should be in a nursing home. She has a federal pension of approximately $4,000 monthly (gross) and no other assets. Would she qualify for Medicaid assistance? If not would she be able to find a nursing home in that price range?
or is it federally supervised RRB / railroad retirement?
Mom at 4K a mo doesn’t realistically have high enough monthly income to private pay for a NH. If she has her non exempt assets down to 2k, mom may be able to become eligible for Medicaid. But it’s not going to be the usual path as moms income at 4K will be over any states income limit.( Those totally vary by state with most coming in around $2100 a mo.) Mom would need to do a Miller Trust for the overage. Miller is NOT ever a diy. She needs an atty do do it. But civil service and rrb both have kinks in how Miller & LTC Medicaid needs to happen. My dad was a fed & hubs family has rrb so we had to look into both.