If the house is in your mother's name as well, I believe the state cannot take her half
House buying problems...........
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JHZR2
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Originally Posted By: mechanicx
As far as someone, not necessarily you, asking how is it fair. How is it fair that an elderly spouse would be removed from her residence because her husband is placed in a nursing home? Anyone could conceivable be in this situation when they get older and not have the $7,000+ month base costs for the medicore care in a nursing home and have to go on Medicaid. It's fair in the same way insurance is fair. The thing that isn't fair is that nursing homes charge $7-10k month for mostly medicore care.
But so long as the case (as I believe it is) is that the spouse may keep the home so long as they are able to live there, then so be it.
If the spouse can't afford to live there, that is a financial planning issue, and a savings issue, not an issue of the state. If the parents have a child living there because of an issue, (mental, physical, etc.) so be it. The law is there to protect it.
But to move folks in to keep the house so the bad state doesnt take it is ridiculous. There is some sacrifice that needs to be made before the taxpayers are forced to take on someones' family situation. If the OP wants the estate that bad, they can pay for mom's medical care and whatever she can't afford (Im assuming that dad is paid for and mom can keep the house plus some amount of assets as normal course).
As far as someone, not necessarily you, asking how is it fair. How is it fair that an elderly spouse would be removed from her residence because her husband is placed in a nursing home? Anyone could conceivable be in this situation when they get older and not have the $7,000+ month base costs for the medicore care in a nursing home and have to go on Medicaid. It's fair in the same way insurance is fair. The thing that isn't fair is that nursing homes charge $7-10k month for mostly medicore care.
But so long as the case (as I believe it is) is that the spouse may keep the home so long as they are able to live there, then so be it.
If the spouse can't afford to live there, that is a financial planning issue, and a savings issue, not an issue of the state. If the parents have a child living there because of an issue, (mental, physical, etc.) so be it. The law is there to protect it.
But to move folks in to keep the house so the bad state doesnt take it is ridiculous. There is some sacrifice that needs to be made before the taxpayers are forced to take on someones' family situation. If the OP wants the estate that bad, they can pay for mom's medical care and whatever she can't afford (Im assuming that dad is paid for and mom can keep the house plus some amount of assets as normal course).
JHZR2
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Originally Posted By: GROUCHO MARX
If the house is in your mother's name as well, I believe the state cannot take her half
exactly.
If the house is in your mother's name as well, I believe the state cannot take her half
exactly.
Originally Posted By: JHZR2
Originally Posted By: GROUCHO MARX
If the house is in your mother's name as well, I believe the state cannot take her half
exactly.
My mother in law had to get an eldercare lawyer to shepherd her through this process. She basically had to "abandon" my father in law legally in order to protect her share of "All" joint assets.
I don't know, however, if there comes a time where this manuver is no longer applicable. you may have had to act in advance.
Originally Posted By: GROUCHO MARX
If the house is in your mother's name as well, I believe the state cannot take her half
exactly.
My mother in law had to get an eldercare lawyer to shepherd her through this process. She basically had to "abandon" my father in law legally in order to protect her share of "All" joint assets.
I don't know, however, if there comes a time where this manuver is no longer applicable. you may have had to act in advance.
Originally Posted By: JHZR2
As far as someone, not necessarily you, asking how is it fair. How is it fair that an elderly spouse would be removed from her residence because her husband is placed in a nursing home? Anyone could conceivable be in this situation when they get older and not have the $7,000+ month base costs for the medicore care in a nursing home and have to go on Medicaid. It's fair in the same way insurance is fair. The thing that isn't fair is that nursing homes charge $7-10k month for mostly medicore care.
You know there are alot of medical situations like this that aren't out and front. like a Dad who had a debilitating hemorrhage stroke, he's nonresponsive on a ventilator. Hospital wants to send him to nursing home. but the family wants to keep him out of the nursing home for the wife would lose the social security checks/possibly lose the house. so this guy would stay in the hospital alot longer than he would need to just so the family/insurance company/hospital can figure out what to do. most would opt to go home with private duty nursing 24 hours a day. you can guess how much that costs medicaid programs funded by tax payer dollars, just to keep SS checks/pensions/keep their home, etc.
As far as someone, not necessarily you, asking how is it fair. How is it fair that an elderly spouse would be removed from her residence because her husband is placed in a nursing home? Anyone could conceivable be in this situation when they get older and not have the $7,000+ month base costs for the medicore care in a nursing home and have to go on Medicaid. It's fair in the same way insurance is fair. The thing that isn't fair is that nursing homes charge $7-10k month for mostly medicore care.
You know there are alot of medical situations like this that aren't out and front. like a Dad who had a debilitating hemorrhage stroke, he's nonresponsive on a ventilator. Hospital wants to send him to nursing home. but the family wants to keep him out of the nursing home for the wife would lose the social security checks/possibly lose the house. so this guy would stay in the hospital alot longer than he would need to just so the family/insurance company/hospital can figure out what to do. most would opt to go home with private duty nursing 24 hours a day. you can guess how much that costs medicaid programs funded by tax payer dollars, just to keep SS checks/pensions/keep their home, etc.
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The bottom line is if you go on Medicaid they take your assets (SS, pension) because you're not allowed to have much assets (other than the primary residence for certain family members as talked about earlier). And if you go into a nursing home they want $7000 minimum a month for sharing a small room and a nurse or two and nurse aides servicing maybe 50 patients and a Dr. that you'l rarely see. So the nursing home takes everything the patient has and then some that Medicaid has to cover. The nursing home doesn't care if it cost you your house and your pension, they just want their money. Anything with the label medical is $$$.
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