Recently I was having a conversation with my Aunt about how expensive it is to continue to pay for my Uncle’s stay at a local nursing home. My Aunt was going broke by private paying the nursing home each month to take care of my Uncle. When I mentioned the possibility of applying for Medicaid she was adamant that Medicaid was welfare and this money should be used for people who “really” need it. After much pleading and many conversations with me and her daughters, she finally agreed that applying for Medicaid was the way to go. For her, the major determining factor was explaining the “Spousal Impoverishment Law” Congress passed in 1988.
More information can be found on the Medicaid site, but a quick summary that helped my Aunt understand is:
“The expense of nursing home care — which ranges from $5,000 to $8,000 a month or more — can rapidly deplete the lifetime savings of elderly couples. In 1988, Congress enacted provisions to prevent what has come to be called “spousal impoverishment,” leaving the spouse who is still living at home in the community with little or no income or resources. These provisions help ensure that this situation will not occur and that community spouses are able to live out their lives with independence and dignity.” For more information see http://www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Spousal-Impoverishment-Page.html
The Dillman Law Group team helped my Uncle apply and get approval for Medicaid. My Aunt is now able to live comfortably without the fear of running out of money.