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Message
Nursing home for loved one
Posted on 6/4/21 at 10:37 am
Posted on 6/4/21 at 10:37 am
Unfortunately, it looks like we will have to place my wife in a nursing home sometime sooner than later. I have heard horror stories how this can financially destroy a family. She will be getting on Medicare in the next few weeks. She currently has been getting disability payments beginning Jan 2020(brain injury). We have pretty much exhausted rehab options(inpatient, outpatient and skilled nursing). What is the answer for this not to put us in the poor house? Any information will be helpful.
12
Posted on 6/4/21 at 2:15 pm to JBM210
What’s your monthly budget? What area?
Posted on 6/4/21 at 2:56 pm to JBM210
where are you located? you may want to talk to the business office folks at the nursing home prior to placing her there to try to mitigate the financial impact to your family. Medicare is only good for 100 days in a benefit period, so after that she would switch over to either self-pay, private insurance or Medicaid (if she qualifies).
Medicare skilled nursing care coverage
Medicare skilled nursing care coverage
Posted on 6/4/21 at 2:58 pm to JBM210
Sorry to hear this about your wife. Also sorry to say, if you didn't plan ahead for this possibility, then you're probably a little late to the game. I'm pretty sure a person has to use up their personal means (assets and savings) to cover their expenses before medicare or governmental assistance will start picking up the cost. And there is something like a 2 year look back period by Medicare to make sure you did divest yourself of your assets immediately before seeking government assistance. Don't quote me 100% on this, but I think this is the case.
Posted on 6/4/21 at 3:37 pm to jfw3535
quote:
Also sorry to say, if you didn't plan ahead for this possibility,
Who the hell plans for a debilitating brain injury?
Posted on 6/4/21 at 3:55 pm to JBM210
No advice. Sorry man.
What a terrible situation.
What a terrible situation.
Posted on 6/4/21 at 4:02 pm to I Love Bama
We live in Prairieville. She currently gets $1760 per month disability. Is it correct that when she goes on Medicare this payment disappears?
Posted on 6/4/21 at 4:12 pm to jfw3535
In LA there is a look back period of 5 years for Medicaid. And you do not have to burn through all your assets. There are allowances for primary residence (~$600K), an automobile, and monthly income that I believe can be transferred between spouses to make things as favorable as possible —within the rules— for the healthy spouse. That said, the income allowances are not very high and there may be different rules for nursing home care.
We went through all this with my parents after my dad had a massive stroke a couple years back. I highly recommend you talk to a professional who knows the system in and out and handles this type of thing regularly.
Best of luck to you and your wife.
We went through all this with my parents after my dad had a massive stroke a couple years back. I highly recommend you talk to a professional who knows the system in and out and handles this type of thing regularly.
Best of luck to you and your wife.
Posted on 6/4/21 at 4:31 pm to FinleyStreet
quote:
Also sorry to say, if you didn't plan ahead for this possibility,
Who the hell plans for a debilitating brain injury?
His wording is harsh but the sentiment is true. If you have a surprise nursing home confinement you’re pretty mush shite out of luck. The look back period is 5 years. You’re either using insurance or personal assets until you’re effectively broke, and they can make a claim for Medicaid benefits against your estate (usually the home) at death too.
It sucks, but that’s the way it usually works.
Eta- it’s one of the reasons why you should strongly consider some kind of LTC insurance if you have assets. If you’ve got enough assets to self insure, no problem, but anyone under that will be in a bind. You should seriously consider policies well before you’re 60, IMO.
Again, sorry to hear OP. Best of luck.
This post was edited on 6/4/21 at 4:36 pm
Posted on 6/4/21 at 6:54 pm to JBM210
My wife has vast experience with nursing home regulations and disability (its her job), I showed her your post. She is willing to talk you through this.
If you want to leave an email address, we can step a time for her to speak with you.
If you want to leave an email address, we can step a time for her to speak with you.
Posted on 6/4/21 at 6:57 pm to JBM210
I do Medicaid planning as part of my law practice. Happy to answer any nursing home/Medicaid/Medicare questions. Deal with this stuff daily
Posted on 6/4/21 at 9:34 pm to TheOcean
quote:
I do Medicaid planning as part of my law practice. Happy to answer any nursing home/Medicaid/Medicare questions. Deal with this stuff daily
In LA?
Posted on 6/5/21 at 1:39 am to TigerintheNO
Listen to this guy, and another thing that will help you out tremendously is finding a person who interacts with nursing homes in your area. I do periodic inspections of nursing homes, and the good ones with good management jump out at you. The bad ones even more so.
Check with a local hospital... their social workers might help patients with placement, and might could give you some direction.
Check with a local hospital... their social workers might help patients with placement, and might could give you some direction.
Posted on 6/5/21 at 8:00 am to Bill Parker?
Good luck OP. I might not be far behind you with my father.
Bookmarked and following..
Bookmarked and following..
This post was edited on 6/5/21 at 8:02 am
Posted on 6/5/21 at 8:42 am to slackster
Not in LA but I know enough to at least be helpful to the OP and point him in the right direction
Posted on 6/5/21 at 9:23 am to JBM210
Does she have life insurance?
A ton of policies come with a "living benefit" which allow you to advance the death benefit if she cant perform so many daily living functions or if she is hospitalized so many days in a row.
It is essentially a long term care rider without meeting the legal definition of long term care.
A ton of policies come with a "living benefit" which allow you to advance the death benefit if she cant perform so many daily living functions or if she is hospitalized so many days in a row.
It is essentially a long term care rider without meeting the legal definition of long term care.
Posted on 6/5/21 at 10:44 am to TheOcean
quote:
Not in LA but I know enough to at least be helpful to the OP and point him in the right direction
Posted on 6/5/21 at 3:05 pm to slackster
quote:
of LTC insurance
We're considering this but I don't want to get scammed. I have the paperwork/quotes/benefits info .. not sure who to ask for a second opinion and I want to trust the financial person who brought it up to us but it's my nature to question.
OP so sorry to hear about your wife. Do your best to choose a great place but if you end up unhappy there, remember you can look into having her transferred. I'd prep to know that no where is really "perfect" BUT many are a bit better than others. If you have issues SPEAK UP and make them aware ... good places will be concerned and work through it. Blessings to you all.
Posted on 6/5/21 at 4:58 pm to tiger91
quote:
quote:
of LTC insurance
We're considering this but I don't want to get scammed. I have the paperwork/quotes/benefits info .. not sure who to ask for a second opinion and I want to trust the financial person who brought it up to us but it's my nature to question.
You can’t buy the good policies anymore.
Posted on 6/5/21 at 6:11 pm to AmosMosesAndTwins
She does have life insurance
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