My mother is currently in a facility, diagnosed with stage 1 dementia. Her long term care pays for this until her expenses reach $150,000(approx 1 more year). She is also in bankruptcy and has no assets, savings, etc. What are my options for care once the long term care runs out. She receives $2800 a month from which I am repaying her bankruptcy(chapter 13) and supplemental insurance, and medications, expenses, etc. Where do I start?
We're wishing you the best on your difficult journey. Keep in touch when you can.
Carol
Consult with an Eldercare Lawyer that will help you through this process.
Yes they cost a bit but well worth it if you can get some of the financial weight lifted.
As Pam says, when Mom runs out of money, Medicaid is the next step. You have a good long window to start preparing to apply.
We live in Florida and the laws that were in effect at that time did not require that I went back 5 years. There was "homework" that I needed to do, but that was not part of it. The attorney will be aware of what your state specifically requires.
Good luck, and best wishes.
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