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Please pls just in case you are not aware IF your mom continues to keep her home (which the LTC Medicaid program by & large allows for) and mom / her POA files for LTC Medicaid, that Medicaid program has a Share of Cost (SOC) requirement starting the day she enters the facility.

SOC means that she basically will have almost all her monthly income - like her SSA $ - paid to the NH every month. All she will be able to retain is a smallish Personal Needs Allowance. PNA varies by State and most have it at $50 - $75 a month. PNA is restricted spending and in theory is not to be used to pay any property costs but to be used for personal necessities that Medicaid does not pay for. Like for toiletries, books, clothing.

Whether the plan is to retain her home and then deal with Estate Recovery / probate etc after her death OR to have it be sold, that due to the SOC, she will not have $ to deal with the property which is still in her name. Only way around the SOC requirement- in my understanding - is if there is a spouse or a legal dependent still living in the home who themselves have filed for and qualified for Community Spouse Resource Allowance or Monthly Maintenance from moms SOC; or if she still has a mortgage and has filed for an exemption to pay that mortgage for a period of time while the house is on the market, listed with a Realtor under MLS. Otherwise house costs paid by POA or family without an assured expectation of reimbursement.
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Reply to igloo572
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Taxes and repairs are also allowed if the home deed is in her name. Keep receipts for documentation. There should be a threshold amount where Medicaid wants to see all documentation for the expenditure. For NY, it is anything over $2000. And if there are numerous withdrawals that would raise red flags like weekly draws of $500 (as an example) would need documentation to verify it is an expense for her only.
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Reply to AMZebbC
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Yes, anything that has to do with Mom can be part of her spend down. What I did was take the money Mom had, 20k and placed her in a nice NH that took Medicaid. She paid May and June and that gave me time to apply for Medicaid and get done what needed to be done. Medicaid started July 1st. All the caseworker did was look at Moms bank statement and could see the checks written. They look for inconsistencies. Large amts. No gifting within 5 years.
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Reply to JoAnn29
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