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Nursing Home Costs and Keeping a House

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  • 03-07-2006, 10:27 AM
    IH8MYX
    Nursing Home Costs and Keeping a House
    My best friends mother was admitted to a nursing home due to stroke, signs of dementia and noncompliant about medical treatment. She fell and now has a broken hip.

    Her mother has a good amount of savings and has a house that is paid off with her daughter, my BF. I know they will take her savings to pay for her care but what about the house? The house is paid off and in both of their names. Will they try to take the house? My BF has a durable POA. She has lived in the house and had her name on the title for about 5 or 6 years and no she did not use her POA to do it.

    The mother is in denial about her condition and will not let anybody do anything for her which has landed her in a NH instead of having home health which was originally set up for her. Thanks for any help.
  • 03-07-2006, 10:37 AM
    aaron
    Are you asking about Medicare, Medicaid, or some other "they"?
  • 03-07-2006, 11:05 AM
    IH8MYX
    Yes medicad, medicare etc....
  • 03-07-2006, 11:18 AM
    Mr. Knowitall
    Medi-Cal policy is as follows:
    Quote:

    Quoting Can you keep your home?
    Absolutely yes. A home is not considered by Medi-Cal to be an asset which is counted against you for eligibility purposes as long as you live there. If you become a resident of a nursing home, Medi-Cal does not count your home as an asset if any one of the following is true:
    • 1. You are expected to be able to return home (which you can demonstrate by simply stating this on your Medi-Cal application);
      2. Your spouse lives there;
      3. Your child who is under 21 or is blind or disabled lives there;
      4. A sibling lives there who is part owner of the home and lived with you for at least a year prior to your entering the nursing home;
      5. An adult child lives there who lived with and provided care for you for at least two years prior to your entering the nursing home;
      6. You are making a good faith effort to sell your home; or
      7. Your home is a multiple dwelling unit, one which is the principal residence.

    If she is still competent, she should consult an estate planning lawyer about possible asset protection strategy.
  • 03-07-2006, 01:45 PM
    IH8MYX
    :) Thank you so much for the info! A BIG help.
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