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Post by Charlotte on Aug 22, 2023 2:21:27 GMT
Is the bill my Dad just got from the State of Iowa for my step-mother's nursing home care. She was there for five years before passing away not even thirty days ago. He drained every penny of their savings before she went on state assistance and that took about a year before the savings account ran dry.
Their house has both of their names on it and is paid for, but maybe worth $125K. And that is generous. She did have a will.
Any advice on what happens next?
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tanya2
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Post by tanya2 on Aug 22, 2023 2:23:54 GMT
I have no advice - but I'm so sorry you're having to deal with this
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Post by lucyg on Aug 22, 2023 2:25:56 GMT
oh my, I’m sorry. No idea what your options may be.
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kate
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Jun 26, 2014 3:30:05 GMT
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Post by kate on Aug 22, 2023 2:34:43 GMT
That's horrifying. I'm so sorry - your poor dad!
I will be interested to hear about this - I bet a number of us will have such situations at some point.
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Post by Charlotte on Aug 22, 2023 2:41:15 GMT
I will tell you, I just googled long-term care insurance. I think it might be a wise investment for DH & I, if not for the rest of our parents.
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Post by revirdsuba99 on Aug 22, 2023 2:42:56 GMT
Sorry for your loss.
Not time for panic, but he does need to address the situation.
One of you needs to contact an 'elder' attorney immediately. Or contact the state Ombudsman if there is one in his state.
Wishing you and your dad the very best.
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milocat
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Post by milocat on Aug 22, 2023 2:45:24 GMT
Oh my gosh, that's awful. Do they not bill monthly? That's what they do here (Alberta, Canada).
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snyder
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Post by snyder on Aug 22, 2023 2:50:04 GMT
Not 100% on this, so as others mentioned, an attorney is yuur best avenue; most offer a free consultation, but I don't think they can boot him from his home. The bill will need to be deferred. Once he passes on, the home would need to be sold and the bill paid at that time.
It is so sad that we pay into Medicare/Medicaid and Social Security, work our butts off to have a little something and in the end, we have to give what we have back to the government. Grrr!
So sorry for the loss of your mom! {{{Hugs}}}
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Post by ntsf on Aug 22, 2023 2:50:19 GMT
he needs a lawyer. his home may be protected (often there are laws that do that).. but you need a lawyer. don't panic yet.
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Post by Charlotte on Aug 22, 2023 2:51:32 GMT
Oh my gosh, that's awful. Do they not bill monthly? That's what they do here (Alberta, Canada). Dad paid monthly until he ran out of money and then went on government assistance. Medicaid, I think it is called. I get the two confused. After her death, the state is trying to collect on the rest of the bill. But there is no money left. |
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milocat
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$157,000
Aug 22, 2023 3:08:18 GMT
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Post by milocat on Aug 22, 2023 3:08:18 GMT
Oh my gosh, that's awful. Do they not bill monthly? That's what they do here (Alberta, Canada). Dad paid monthly until he ran out of money and then went on government assistance. Medicaid, I think it is called. I get the two confused. After her death, the state is trying to collect on the rest of the bill. But there is no money left. So sad. I'm sorry that you all are dealing with this on top of your loss. |
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$157,000
Aug 22, 2023 3:45:51 GMT
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Post by iteach3rdgrade on Aug 22, 2023 3:45:51 GMT
I'm sorry your family is going through this.
My parents paid on long-term care for years. My mom and I had a conversation earlier this summer because she was considering canceling once she got her 3 year rates. I suggested she's just wait until I retire. She was paying nearly $500 a month for years. Both she and my dad passed away before they used it. It's a nice protection, but I wonder how much there really is anymore.
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bethany102399
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Post by bethany102399 on Aug 22, 2023 4:19:53 GMT
Both she and my dad passed away before they used it. It's a nice protection, but I wonder how much there really is anymore. I can tell you on DH and my policy if either of us passes before using it there is a benefit paid to the beneficiary. So if something happens on our commute into work tomorrow (we carpool 2 days a week) then our kids would get funds. So while I agree, how much protection is really there anymore, some policies do pay out whether or not they're used. |
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samantha25
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Post by samantha25 on Aug 22, 2023 4:23:03 GMT
Both she and my dad passed away before they used it. It's a nice protection, but I wonder how much there really is anymore. I can tell you on DH and my policy if either of us passes before using it there is a benefit paid to the beneficiary. So if something happens on our commute into work tomorrow (we carpool 2 days a week) then our kids would get funds. So while I agree, how much protection is really there anymore, some policies do pay out whether or not they're used. I'm researching this exact policy. Is your policy expensive? Can you tell me your policy provider? TIA |
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Post by iteach3rdgrade on Aug 22, 2023 4:52:47 GMT
Both she and my dad passed away before they used it. It's a nice protection, but I wonder how much there really is anymore. I can tell you on DH and my policy if either of us passes before using it there is a benefit paid to the beneficiary. So if something happens on our commute into work tomorrow (we carpool 2 days a week) then our kids would get funds. So while I agree, how much protection is really there anymore, some policies do pay out whether or not they're used. That's good to know. Thank you. I know it paid well when she went to a rehab facility, but nothing compared to what she paid in. |
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Post by Basket1lady on Aug 22, 2023 4:55:34 GMT
I would suggest contacting a lawyer. We paid less than $500 for legal advice for my in-laws when we put them into care.
In the state of Minnesota we had to separate my in-laws income. My father-in-law was allowed to keep $128,000 and we had to spend mother-in-law's account down to $3000. We are just about at that point right now to declare her education and the state will take over paying for her care. This was all done upon advice of our attorney.
Good luck it's so incredibly expensive and confusing and it varies from state to state.
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sweetpeasmom
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$157,000
Aug 22, 2023 11:04:37 GMT
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Post by sweetpeasmom on Aug 22, 2023 11:04:37 GMT
I am sorry y’all are facing this.
Here in Ga, your father would not be kicked out of his home. However, they will put a lien on the home. When he sells or passes himself, the state would want their $157,000. If there is anything left, then it would go to the family.
I’m facing this with my mom. She’s in a nursing home on Medicaid. Her mobile home is worth maybe $50,000. When she passes, that’s all they’ll get. There is nothing more to take. If they end up spending $100,000 on her, they’ll get what we are able to sell her home for and accept that’s it.
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Post by Bridget in MD on Aug 22, 2023 11:48:01 GMT
I'm sorry your family is going through this. My parents paid on long-term care for years. My mom and I had a conversation earlier this summer because she was considering canceling once she got her 3 year rates. I suggested she's just wait until I retire. She was paying nearly $500 a month for years. Both she and my dad passed away before they used it. It's a nice protection, but I wonder how much there really is anymore. My grandmother paid for long term care, and when she got to about 99, they found it cost the same to ensure her as it did to pay for her assissted living. So I think they dropped the long term care. She lived until she was 101. |
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Post by christine58 on Aug 22, 2023 11:52:45 GMT
My parents turned over their house and 40 acres of land to my two brothers and I over 15 years ago. They did it for this exact reason and we will not pay inheritance tax.
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MerryMom
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Post by MerryMom on Aug 22, 2023 12:11:25 GMT
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lizacreates
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Post by lizacreates on Aug 22, 2023 12:33:56 GMT
Oh my gosh, that's awful. Do they not bill monthly? That's what they do here (Alberta, Canada). Dad paid monthly until he ran out of money and then went on government assistance. Medicaid, I think it is called. I get the two confused. After her death, the state is trying to collect on the rest of the bill. But there is no money left. If there is no money, then there isn’t. Medicaid can’t take something that doesn’t exist. The home is exempt from Estate Recovery by Medicaid because the surviving spouse (your father) is still living in it. In what state does your father reside? Do a bit of research on how his state handles Estate Recovery, contact Medicaid and explain that there are no assets to recover. |
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DEX
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Post by DEX on Aug 22, 2023 12:40:33 GMT
My friend is 83 and has had long term care insurance for years. Recently she was hospitalized twice and needed rehab following hospitalization. Medicare paid for the first so many days and she expected her long term care insurance to pay for the extra days she required. Her long term care insurance denied her claim and she was stuck paying $3000. She was pretty upset. She is now thinking that LT care insurance is a racket.
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Post by Mel on Aug 22, 2023 12:46:46 GMT
Medicaid (also called Title-19 in Iowa) should have a case worker for your Mom. Start there. You might still need an attorney if they can't resolve things but I know in my FIL's case, we just called the case worker for his case and she was able to "back pay" I think up to a year. It might not get rid of the whole bill, but anything helps.
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Post by mom on Aug 22, 2023 13:30:10 GMT
Dpnt panic. They are not giong to kick your father out of his home. But they will take it once he has passed. This should have been explained to you when he signed the paperwork for his wife to go on assistance. If the estate wants to keep his home, then they will need to selll ---whatever--- to come up with the funds to pay the balance.
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$157,000
Aug 22, 2023 13:54:36 GMT
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Post by littlemama on Aug 22, 2023 13:54:36 GMT
That sounds like an error. If she was on Medicaid and was below the asset threshold, it should have been covered. Call the state and ask for clarification.
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quiltz
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Post by quiltz on Aug 22, 2023 16:01:01 GMT
Recently she was hospitalized twice and needed rehab following hospitalization. Medicare paid for the first so many days and she expected her long term care insurance to pay for the extra days she required. Her long term care insurance denied her claim and she was stuck paying $3000. She was pretty upset. She is now thinking that LT care insurance is a racket. Your friend had the wrong insurance for this instance. Long term care and Rehab care are two different things. |
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sweetpeasmom
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Post by sweetpeasmom on Aug 22, 2023 16:20:04 GMT
That sounds like an error. If she was on Medicaid and was below the asset threshold, it should have been covered. Call the state and ask for clarification. When the patient passes, the state wants to recover what they paid out. To refill the coffers so to speak (how it was explained to me). They can’t squeeze blood out of a turnip. However, they will put a lien on the home. Once dad passes, they’ll want their portion first. If anything is left, then the estate (heirs) will get it. |
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Post by moretimeplease on Aug 22, 2023 17:19:17 GMT
Oh my gosh, that's awful. Do they not bill monthly? That's what they do here (Alberta, Canada). Dad paid monthly until he ran out of money and then went on government assistance. Medicaid, I think it is called. I get the two confused. After her death, the state is trying to collect on the rest of the bill. But there is no money left. Medicaid will do Estate Recovery for Long Term Care costs. Contact your state Medicaid office and ask to speak to someone in Estate Recovery. You can probably google that for you state too. It often involves a lien on any remaining assets (the house). |
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twinsmomfla99
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Post by twinsmomfla99 on Aug 22, 2023 17:35:10 GMT
I will tell you, I just googled long-term care insurance. I think it might be a wise investment for DH & I, if not for the rest of our parents. DH and I were denied when we applied. He had prostate cancer at 50 and a heart attack at 53, so no one wants that risk. I'm overweight and was denied on that basis. So we are doing our best to make our house suitable for in-home care. We have bedroom/kitchen/family room set-up in the basement, and we figure we can hire a caregiver for a decent salary plus housing that would be less than the cost for one of us in a nursing home if the time ever comes that we need it. |
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Post by papersilly on Aug 22, 2023 18:11:30 GMT
We have bedroom/kitchen/family room set-up in the basement, and we figure we can hire a caregiver for a decent salary plus housing that would be less than the cost for one of us in a nursing home if the time ever comes that we need it. i think those are the choices people face. around here, you can hire a live in care for $60k-$75k/yr as opposed to spending $120k/year for a nursing home. DH's client chose to live in one of those $10k/month facilities because his wife died and he enjoys the social interaction he gets there. OTOH, we chose live-in care for my mom because we knew she would never get the 1-on-1 care we preferred. |
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