My mother is 77 and for years has struggled with weight, mental health issues, congestive heart failure and many other health problems. Her doctors told us she wouldn’t live more than a few years due to her poor health. She has needed increasing amounts of home care over the past few years which has been very expensive. Last year she moved into an assisted living facility and is getting much better care and her weight issues and many other health concerns have improved remarkably. Her doctors are now saying she may live much longer. She sold her house when she moved into assisted living. I see that the state where we reside has filial responsibility laws which require adult children to pay for the elderly parent’s care. Her assisted living costs are very expensive. How do we plan for the likely event of her running out money while living in assisted living?
My Mom was in an AL and her money was running out. My State Medicaid only allows 90 days from date of application to spenddown, to get info needed to them and get Mom placed. I started the application in April, placed her in LTC in May and she private paid for May and June which spent her money down. June I confirmed that they had all info needed and July 1st Medicaid started.
In my state, if you have paid privately for at least 2 yrs in an AL U can apply for Medicaid.
So, Mom needs to apply for Medicaid before her money runs out. Paying privately for a few months will get herbin the door.
Unless ur very well off, don't think u need to worry about paying for Moms care. Filial laws do take into acct a families ability to pay for a parents care in a facility. And like I said, they are rarely used now we have Medicaid.