My mom is makes too much money? She has no other assets than her retirement. She needs assisted living but can’t afford it? Am I just waiting until she is so unwell that she has to be placed in a nursing home? I just don’t understand how everyone on here is talking about assisted living like it’s no big deal?
Those who can't, stay home now and end up in nursing home. Her income may not even be enough for NH, but state Medicaid is very likely to cover the difference.
If there's a chance of using Medicaid, keep records of expenses she pays that, don't give her home to any family member or sell below value. Don't do gifting to others. Those things create penalty periods for Medicaid to start. Medicaid looks back 5 yrs in most states.
- Poor quality funded services.
- Not enough funded services, or none at all.
- Much lower incomes for medicos providing services.
- Much higher taxes to fund better services.
It’s always a problem, and always a balance exercise. Everyone wants high quality services ('just like a hotel'), but no-one wants high prices
when she needed LT care, we applied for medicaid and they now pay the difference that her benefits don't pay. Her VA benefits have changed over time and been (believe it or not) decreased and because of that Medicaid has increased their contribution.
Attaining Medicaid was a long hard struggle but now that it's in place it is helping. We live in MA.
Im not sure how else to be helpful but feel free to add followup questions if we can be of help.
Most ALs offer marketing promos on the value of downsizing as they assume people will bring the house. If you don’t have that, well, they just move on to the next customer.