Old  September 14th, 2018, 12:54pm     #1
mfh72 is offline
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Exclamation advice/support needed (still)
Haven't been here in a while & since my previous post is older than 6 months, can't add on to it.

Mom's nursing home has wiped us out. She's on Medicaid but is still required to turn over her monthly "income."

We currently owe them well over $19,000 just to get caught up. Next bill will make that close to $23,000.

She needs 24/7 medical care. Can't be at home because our house isn't in any condition for her to be here. House & property are in need of cleaning up & repairs.

Are there any charities/gifts/grants that could help us get out of debt? I'm tired of getting harassed/threatened by the nursing home.

I've tried contacting The Ellen Show more than once. Our NBC station went on & on for a month or more about RIP Medical Debt but that's random selection & you can't apply. And I don't have the luck to win big cash prizes (although I've tried).

I started a gofundme earlier this year but I know we're not allowed to post those. Only had a few donations so far but not enough to make a dent.

Any help you can provide is welcome. I'm upset enough with everything regarding Mom's declining health let alone to have debt hanging over our heads.
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  Old  September 16th, 2018, 4:53pm     #2
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Go and see an attorney. They are usually worth the cost, instead of being hassled by a nursing home. I usually park myself at Barnes and Noble reading everything on the problem and usually come up with a solution. You could check me that a lawyer is worth it.
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  Old  September 17th, 2018, 10:17am     #3
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Met with an elder care lawyer about 3 years or so back when Mom first went in the nursing home. Waste of time & money...didn't tell me anything I didn't already know.

I don't have money for a lawyer.

Just need to get the bills paid off that we already have without creating any more.
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  Old  September 17th, 2018, 10:56am     #4
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My town/area has advocates for the elderly. Start with the local senior center if you need to. There should be help out there for you

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  Old  September 17th, 2018, 1:20pm     #5
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If it were me, I would look into taking out a loan to do the home repairs so she can be there. To at least stop the ball from rolling and getting bigger. May start at the local library, talk to someone there, there is a surprising amount of knowledge among older librarians in regards to programs, grants and a lot of personal experience. I am so sorry you are going through this and I wish had a pearl of wisdom for you.

*any chance you could rent out a room in your home, rent storage space in your yard, rent out items you own in order to come up with home repair money/help pay off the bill?

Think I would document all the "harassment" by the home, anything outside of regular bill collecting proceedings could indeed be harassment and lead to them having no leg to stand on. Calls, time/date, letters, names/visits etc..keep it all in detail in a notebook. You just never know.

Good Luck!
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  Old  September 21st, 2018, 1:53pm     #6
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Maybe I'm missing something.. the nursing home should be covered by medicaid and her "income" and I believe it wasn't 100% of the income as a little bit is allowed for other essentials.

My mom was in an assisted living that had a special lower rate for a two bed room. It worked out, but we did have to pay a little extra a month.. I was just getting her into a state program and increased veteran's payments when she passed. The paperwork when she went there had a clause that after 2 years, there would be no additional money collected above her income.

MIL was in a nursing home and on medicaid. The only money we spent was for clothing, etc. The facility and all that went with it were covered 100%.

I'd look into an elderly services center to talk to someone there who may help lead you into the right direction. The other thing would be to talk with the state medicaid services.

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  Old  September 21st, 2018, 9:01pm     #7
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If she's on Medicaid, there should not be a fee. They do require her income; for example Social Security, (except for a stipend; usually $70/month for incidentals) go toward her care. Why is there a fee? Are they not receiving her income, if she has one?

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  Old  February 23rd, 2019, 4:02am     #8
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Exclamation advice needed-debt/bankruptcy/nursing home neglect
Haven't been on here in a while to update, but need some support & suggestions.
Sorry if this rambles. Going on 4:00 A.M.

Mom passed away the day before Thanksgiving.
There's a mountain of debt.
Still owe the nursing home close to $15,000.
State (PA) may want up to $57,000+ back for Medicaid...which I was unaware they could ask for.
Have to find out what estate & other taxes will be.
Need to get new insurance policies for house & car and get deed/titles changed...may have to get taxes paid before I can do those but not sure.
Have to get in touch with lawyer handling estate.
Although the house & property are in need of repairs & major cleaning, I can't lose it. SO SICK of the "vultures" that call or send letters offering to BUY NOW IN ANY CONDITION.
I don't want to declare bankruptcy since that's a whole other set of problems.

I plan to sue the nursing home for neglect. Does anyone have experience doing that or know someone that has? Over the 3+ years Mom was there, I've kept notes when things weren't handled properly and when organized, think there's at least a few points where a case could be built, especially towards the end.

Appreciate any prayers & advice you can share. I need miracles ASAP, especially financially. Thanks.
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  Old  February 23rd, 2019, 5:09pm     #9
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I am sorry for your loss and that you are going through this. If I read your posts correctly - the home you are living in, that you talk about needing repairs was your mom's? From my understanding, and experience with my MIL several years ago, and a BIL now, if the person needing care has any assets at all they need to be used for nursing/assisted living care before Medicaid kicks in, and there is a look back period with regard to transferring assets.
If you mother had no assets I don't believe that (unless you signed as being responsible for her bills) that anyone can go after you to pay them off. BUT - payment of bills comes out of her estate before anything else can be distributed. I don't know what happens if she does not have any estate or it is insufficient, but you are not responsible. If the home was in her name, if it were deeded to you during the look back period, or after she passed, it would need to be sold to settle the estate. You of course could purchase it, just like anyone else.

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  Old  February 23rd, 2019, 5:59pm     #10
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Quote:
Originally Posted by mudrunnersmom View Post
I am sorry for your loss and that you are going through this. If I read your posts correctly - the home you are living in, that you talk about needing repairs was your mom's? From my understanding, and experience with my MIL several years ago, and a BIL now, if the person needing care has any assets at all they need to be used for nursing/assisted living care before Medicaid kicks in, and there is a look back period with regard to transferring assets.
If you mother had no assets I don't believe that (unless you signed as being responsible for her bills) that anyone can go after you to pay them off. BUT - payment of bills comes out of her estate before anything else can be distributed. I don't know what happens if she does not have any estate or it is insufficient, but you are not responsible. If the home was in her name, if it were deeded to you during the look back period, or after she passed, it would need to be sold to settle the estate. You of course could purchase it, just like anyone else.
I agree with most of this but, if you lived in the home took care of your mother prior to her N.H. admission, you may have rights to the property. There are too many details to discuss in this forum and IMO it would be worth obtaining legal counsel that is competent in elder/estate law. Is legal aid available to you?

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