The very first thing you have to do is to see an elder law attorney.
They will show you how to set up an irrevocable special needs trust
which will protect your assets from the government. Once everything
is in this irrevocable trust, which should include cash, investments,
house -- anything of worth, it will be protected so that you will
then qualify for Medicaid. The rules for these trusts differ
state-by-state but most of them require a five-year waiting period.
After five years, all of your assets that are in the trust are hidden
from the government. And Medicaid well pay for your PCAs, medicine,
hospital etc.
The assets that are in the trust can be used anyway you want. Which
is usually stuff not covered by Medicaid. Such as a vehicle or taking
a trip. If your money is not protected in a special needs irrevocable
trust you run the very real risk of having the state take it all.
Dan
At 03:40 PM 10/28/2009, Joan Anglin said something that elicited my response:
Hello Debbie
I have been where you are, only I did not qualify for Medicare
either. I am sure you have contacted the center for independent
living in your state, there are two, one for eastern and one for
western. They would be your best bet to find a PCA and to give you
information about your situation.
Nevada has an outstanding program where the clients pay on a sliding
scale for a PCA based on income, it is not Medicaid directed, as I
do not qualify for Medicaid either, so it would be worthwhile to
talk to the center for independent living then applies to your area
of the state. The Nevada System allows for up to 5 hours per day.
Before you go to talk to them, figure out how many hours a day you
would have to have for the bare minimum, and then you would have the
starting factor for the time that you really need.
I am sure that many others on this list can help you with ideas also.
Good luck
Joan
What you do for yourself dies with you. What you do for others,
lives forever.
From: Debbie Hamilton [mailto:[email protected]]
Sent: Wednesday, October 28, 2009 10:57 AM
To: [email protected]
Subject: [QUAD-L] Trying to stay in my home
Have been a quad almost 5 years. I'm 50 years old and living with
my husband. I don't qualify for Medicaid, so have had to pay
caregivers out of my pocket. We live in Wyoming and have no home
health available so I advertise in the newspaper. My husband is
burnt. We have a guest house so I'm looking for a nanny that could
provide 24-hour care. I haven't had any luck yet. Does anybody out
there live alone? And how do you arrange care? I don't want to go
in a nursing home!
Debbie
C4 incomplete/April 2005
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