#31
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He would have had sufficient funds to meet his current rent payment for at least another year had he gotten the pension health expense benefit he qualified for in a timely manner. Furthermore, the facility has already given him a substantial discount in his third year of residency but his S.S. income and current VA pension is not enough to even meet the reduced rent. The likelihood is that our family will now have to come up with difference until my Dad passes. This is not a huge burden for all of us but that’s not the point. At 94 and him being a decorated WW II combat vet, you would hope he could get what he has earned. BTW, the paperwork required to apply for this “extra benefit” is a nightmare.
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Nothing bothers me unless I let it. Martin D18 Gibson J45 Gibson J15 Fender Copperburst Telecaster Squier CV 50 Stratocaster Squier CV 50 Telecaster |
#32
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Sorry to hear you are going through this and that your mom is struggling. I looked after mom's last five years at home with dementia (she had hospice the last two and a private caregiver) and if it weren't for the medical POA my brother had her sign 20 years ago, I couldn't have made the hundreds of decisions regarding her care. I highly recommend getting a copy of it and reading it to see what is outlined in terms of her rights, her wishes, and the decision making power of the children.
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#33
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FWIW I count myself as being lucky that my mother tends to be "frugal" otherwise and that while she's been eccentric her entire life she still maintains a semblance of self sufficiency. If she cannot afford to live where she is for more than 2 years I know of at least one alternative that is more affordable. She was already dealing with HUD but this opportunity came up and we felt it was a better deal for her.
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(2006) Larrivee OM-03R, (2009) Martin D-16GT, (1998) Fender Am Std Ash Stratocaster, (2013) McKnight McUke, (1989) Kramer Striker ST600, a couple of DIY builds (2013, 2023) |
#34
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Update on my mom's situation
Hi all,
Thanks so much for the comments and suggestions. Here is what I stumbled upon, on my own, and it's going to be a relief but also annoying that no one told me earlier, if it works: I decided to write the state of Indiana and ask them if I could skip everyone and just apply for Medicaid through them, and the answer was yes. We found a home that accepts Medicaid and has a bed available and has almost 5 stars on Medicare's website for inspections. (Every nursing home in the country is inspected) So I applied for Medicaid and will have my interview tomorrow to see if she qualifies (must have had less than $2,000 to her name as of July 1, 2020 and make only a certain amount of money). IF she qualifies (and she should), the home simply admits her and then the home will bill my mom's insurance and Medicare for the first 90 days of care. Then Meicaid will cover her form then on. If my mom's insurance or Medicare doesn't cover her for some absurd reason, Medicaid pays it all. No one, NO ONE I have spoken to since last September offered this as a suggestion. Only after I called the state of Indiana, did someone in the Medicaid office tell me this. None of my mom's doctors, or any of the nursing homes I have spoken to previously, offered this information, or maybe didn't even understand how this works. So hopefully this is correct and does work. But it means we only stumbled upon the fact that Meicaid will supposedly cover her no matter what, and she doesn't need her insurance to approve, and she doesn't need a 3 day hospital stay. All I had to do apparently was fill out a Medicaid application with the state she lives in. Fingers crossed this is accurate... |
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#36
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