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Conference at DeskWhen it comes to getting care for the elderly or protecting their interests, many families confront similar issues. Below we have collected questions received over the years from site visitors, along with our answers. Select the subject area(s) of greatest interest to you and see what others have asked. Chances are you'll find questions or situations that closely parallel your own.

 

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Q:

Must a Medicaid Applicant's Earlier Gifts of Savings Bonds Be Returned?

My mother-in-law gave $10,000 in savings bonds to each of her children in 2010. She is now confined to a nursing home and is being told the money given for the savings bonds needs to be returned into her account to be used for her care.  Does that money need to be returned or can the recipients keep the money?

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tags: Medicaid Rules
Q:

What Happens to The House I Jointly Own With Mom When She Goes on Medicaid?

In 2000, my mother and I purchased a home and we own it as joint tenants with right of survivorship. She needs to go into a nursing facility soon and I am planning to apply for Medicaid for her. What will happen to her house? Will I lose 50 percent of it? I have never lived in the house but my husband and I intend to move there in the next five to seven years. I live in Arizona. 

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tags: Medicaid Rules
Q:

If I Put My House in Trust, Can I Still Withdraw From My Home Equity Loan?

I have a mortgage and a home equity loan outstanding. If I put the house in an irrevocable trust, can I still withdraw from my home equity loan, or will only the trustee be able to make withdrawals?

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tags: Estate Planning, Medicaid Rules, Senior Living
Q:

Can My Parents Avoid a Lien on Their Home If Both Are Receiving Medicaid?

At age 62, my mother was diagnosed cancer and began receiving Medicaid from the state of Virginia, including the services of a home caretaker.  She is now 66 and in the final stretch of her cancer battle.  My father, who is 70, was diagnosed with dementia five years ago. We will apply for a Medicaid caretaker in the coming weeks to help with his needs.  Mother and father own a single-family home and the only income they have is my father’s SSI.  Will my father’s Medicaid eligibility be affected when he becomes the sole owner of the home?  Can I do anything at this point to stop Medicaid from placing a lien on the house that my parents currently own? Is the money spent on my mother's care a debt that Medicaid holds against her?

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tags: Medicaid Rules
Q:

What Are the Pros and Cons of Adding My Adult Daughter to the Title of My Home?

I am a single woman and wish to add my daughter's name on the title of my home with right of survivorship. What are the pros and cons?

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tags: Estate Planning
Q:

Mom Can't Live on Medicaid's Spousal Allowance. What Can I Do?

My father is in a nursing home in Tennessee and was approved for Medicaid. My mother is in an assisted living facility. Their total income for a month is $4,909. From this income, $2,033 will go to my father's nursing facility and Medicaid will pay the balance.  Mom's spousal allotment will be $2,931. Her monthy rent at the assisted living facility is $2,800, which leaves $131 for all her other expenses. Her bills alone total $939 a month. I was given the impression that she would be taken care of. What can I do now for her? I cannot take care of her myself because I work a full-time job and am raising a granddaughter.  Are there other benefits I could get for her?  Or has Medicaid figured incorrectly? 

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tags: Medicaid Rules
Q:

Can I Rent Out My Condo While Receiving Medicaid Long-Term Care Benefits?

Can I rent out my condo while Medicaid is paying for my long-term health care? I pay a monthly maintenance fee, but have no mortgage.  The nursing home already receives my Social Security, Teamster's pension and VA monthly benefit. Will the condo rent be condidered income as well?  (I live in Florida.)

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tags: Medicaid Rules
Q:

What Are the Consequences of Becoming the Paid Caregiver for a Family Member?

My sister-in-law is 61, my mother-in-law is 91. If my sister-in-law leaves her job and becomes the full-time caregiver to her mom, and draws a salary, are there any penalties to the estate?

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tags: Medicaid Rules, Senior Living

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