Q: My mom had a stroke and I want her to come home after rehab.
She makes to much money to quality for Medicaid. She has to much money in the bank. She also has a life insurance policy with me as the beneficiary. I can't take care of her because I'm on oxygen. There is not enough money to hire someone long term. Please help me . I don't know what to do and I don't want her in a nursing home.
A:
Even if her income seems too high, there are ways to still qualify for Medicaid, such as by setting up a qualified income trust.
In terms of her assets, it may be worth spending them on her care and then qualifying for Medicaid, when her assets are below $2,000.
If she has substantial assets, it may be worth speaking to an elder law attorney to find out your options.
I would need to know the cash value of the life insurance, before addressing that specifically.
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