My mother had a stroke a year & half ago which left her paralyzed on her right side and immobile. She’s wheelchair ridden. She retired from a govt job & they didn’t pay into SS, just retirement. I saved up $ for her while she was in rehab. She needs full time care. After leaving the skilled nursing facility I was only able am independent living facility and hired a caretaker. The savings are gone & her retirement doesn’t cover rent, caretaker and supplies needed for the incontinence. No place will take her bc she’s not eligible for Medicare or SSDI or pay astronomically as self pay. None of the advocates have been helpful. I’m single and now working 2 jobs just to make ends meet as I’m trying to cover what she can’t. I was recently hospitalized and my own health is deteriorating. We’re behind in payment and the caretaker is no longer coming. One advocate suggested a group home and hoping that will work (they’re assessing her this Friday). Self pay at the nursing home I’ve called is on average-$4k/mo. She only gets $2,400/mo from pension.
Her retirement center keeps calling to tell me we have to make other living arrangements because she's not able to care for herself. That adult protective services could eventually be called.
What are my options? It’s been super stressful because I have no idea what to
do or go from here. Any info would be greatly appreciated
Your state, Texas, does Miller Trusts aka Qualified Income Trust to help people that make more then the maximum of 2,310.00 monthly qualify for Medicaid.
This is not DIY, you need a certified attorney to get this right the 1st time. Because once you have been denied it is a lot more difficult.
Best of luck, I know how scary this is.
You may want to talk to your Social Service office and see if Mom can receive SSI. This is a supplimental income. Have you spoken to the government dept she worked for to see if there are any services they can offer. Maybe a call to ur County Office of Aging? Maybe her doctor pushing for LTC and Medicaid paying for her care. Her pension will go towards her care too.
Most likely this is after taxes withheld amount to, so even higher income.
My SD retired with a government pension, had insurance under their plan until he was eligible for Medicare.
https://www.google.com/amp/s/feeds.aarp.org/retirement/social-security/questions-answers/enroll-medicare-not-ss.html%3f_amp=true
It sounds like what she needs is to apply for Medicaid. Have you looked into that?
https://www.google.com/amp/s/feeds.aarp.org/retirement/social-security/questions-answers/enroll-medicare-not-ss.html%3f_amp=true