Charles Gray
Junior Member
What is the name of your state (only U.S. law)? California.
I have been watching my mother for the last 5 years, and father before then, having quit my job to do so. Last month, she broke her hip, and combined with her growing dementia, we decided it woudl be best to place her in a more supervised setting.
Now that will require medi-cal assistance, and I am worried about estate recovery for the home when she dies. It is in a reserving life estate with me as the remainderman, and her as the life tenant. My questions are the following.
1. Medi-cal regulations state that if you have been in the home for 2 years before institutionalization, and have delayed the individuals entry into a skilled nursing facility the home is protected from recovery. However, I've been unable to find any hard information on how likely such a waiver is. Having lived in other states, I've had experience with "waivers" that are in fact impossible to get because nothing you will be able to do will rise to the level of proof the state requires. Does anyone know how hard it is to prove to the state that you were providing that care?
2. A hardship waiver is also available. It is mentioned that it's hard to get. As of right now, I would be homeless were the home to be sold. (this may not be the case in teh future, as I'll be free to re-enter the job market now). Does that qualify for a hardship waiver?
I have been watching my mother for the last 5 years, and father before then, having quit my job to do so. Last month, she broke her hip, and combined with her growing dementia, we decided it woudl be best to place her in a more supervised setting.
Now that will require medi-cal assistance, and I am worried about estate recovery for the home when she dies. It is in a reserving life estate with me as the remainderman, and her as the life tenant. My questions are the following.
1. Medi-cal regulations state that if you have been in the home for 2 years before institutionalization, and have delayed the individuals entry into a skilled nursing facility the home is protected from recovery. However, I've been unable to find any hard information on how likely such a waiver is. Having lived in other states, I've had experience with "waivers" that are in fact impossible to get because nothing you will be able to do will rise to the level of proof the state requires. Does anyone know how hard it is to prove to the state that you were providing that care?
2. A hardship waiver is also available. It is mentioned that it's hard to get. As of right now, I would be homeless were the home to be sold. (this may not be the case in teh future, as I'll be free to re-enter the job market now). Does that qualify for a hardship waiver?