Questions About Financial Assistance for Seniors

  1. Is there federal assistance for caregivers?

    Question - There are some programs that may be able to offer some help for your family.
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  2. Is there help for someone under age 65, who has serious illness and little money?

    Question - You've begun with the right place in applying for Medicaid, which can cover almost all of your mother's medical expenses. If she has no savings or income, she can qualify even if she owns her home.
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  3. Are there government benefits for someone who's had a stroke and gets only a small company pension?

    Question - There are several government programs, in addition to her company pension, that might provide help for your sister. She can apply for Social Security retirement or disability benefits based on her years of work, or on the work record of her spouse if she was married. She can apply for benefits onlin...
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  4. What kind of living arrangements are available for those under 65, but disabled, without a lot of money?

    Question - If you have not done so, contact your local resources for information on seniors with disabilities. Your local Area Agency on Aging and your Aging and Disability Resource Centers can provide information about regional housing and assistance programs.
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  5. Does my mother have rights to her husband's Social Security?

    Question - can my father collect PART OF MY MOMS SOCIAL SECURITY BENIFITS? SHE IS DECEASED, HE IS 89 YEARS OLD DISABLE AND ALSO COLLECTS SOCIAL SECURITY. CAN HE COLLECT PART OF HERS AS A CONTINUING BENEFIT?
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  6. Where can I find financial assistance? I'm out of work and the sole caregiver for my wife who has Alzheimer's.

    Question - It might be possible to get some regular payment to take care of your wife. With your unemployment and few assets, your wife might qualify for a state-run program where you live, which can provide some payment directly to your wife for her to be cared for at home. And this money can go to you if you...
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  7. How can Mom's supplemental security income (SSI) be increased?

    Question - Supplemental Security Insurance (SSI) is available only to people with very low income and almost no assets. In deciding whether someone is eligible for SSI, and if eligible how much in monthly benefits the person receives, the SSI program looks at all sources of income. That includes anything of va...
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  8. Does VA pay for spouse nursing home charges?

    Question - The Veteran's benefit know as Aid and Attendance can help pay for care in the home, Nursing Home or Assisted Living facility. According to 2012 information, a Veteran is eligible for up to $1,732 per month, while a surviving spouse is eligible for up to $1,113 per month. A Veteran with a Spouse is ...
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  9. How should my mother decide when to file for Social Security?

    Question - The question your mother needs to ask herself is this: Do I need the money from Social Security to live on right now? If the answer to that is yes, she should go ahead and file this year and begin taking the money now. If she doesn't need it immediately, and she's healthy, she's probably better off ...
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  10. Financial help when a parent leaves a nursing home to live with family?

    Question - Your mother-in-law may be entitled to assistance from several different government benefit programs, each of which could ease your financial and personal burden. If your mother-in-law is entitled to Social Security retirement, disability, or survivors benefits, that money was probably going directly...
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  11. How old do I have to be to get Medicare if already receiving Social Security Disability?

    Question - You don't have to be 50-years old in order to receive full Medicare coverage if you are receiving Social Security disability benefits. You can get Medicare coverage at any age once you have received Social Security or Railroad Retirement disability benefits for 24 months. Medicare sets out this rule...
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  12. Am I eligible for disability?

    Question - Social Security disability benefits are available to you if you meet two qualifying standards, explained below. If you have few savings or other assets, you may also qualify for Supplemental Security Income (SSI) based on your disability, and for Medicaid which pays for most medical care. And once y...
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  13. How can I make sure that I am on my parents' "survivor" list with the federal government to make sure I recieve benefits after they pass on?

    Question - For Social Security survivors benefits, the Social Security Administration does not keep any list of qualifying survivors. After someone dies who has been entitled to Social Security benefits, that person's qualifying survivors show evidence of their relationship to the deceased at a local Social Se...
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  14. Why hasn't the age for signing up for Medicare changed to coincide with the eligibility date for drawing social security?

    Question - Your question points out a problem with many federal laws: They're often inconsistent. Even though the age for eligibility for Social Security has been raised from 65, this is still the age at which you must enroll in Medicare. In fact, if you don't enroll in Medicare Part B when you're first eligib...
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  15. Is there a program to help pay the cost of assisted living?

    Question - Since your mother receives Supplemental Security Income (SSI), she's eligible for Medicaid coverage in her state. In some states, Medicaid will pay most of the cost of residence in certain assisted living facilities. That's because it's a lower cost alternative for Medicaid than paying for nursing h...
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  16. How can I find financial aid to care for my mother in her home?

    Question - Unfortunately, there aren't many programs that can help make a dent in the huge cost of caregiving, although you do have some options:
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  17. Are there programs that can help with the cost of in-home care?

    Question - Unfortunately, there aren't many programs that can help make a dent in the huge cost of caregiving, although you do have some options.
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  18. Is there any financial aid for a child to quit their job and care for their parent?

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  19. Will the State of CA pay you to care for your parents?

    Question - In general, the answer is no. But, if your parent qualifies for Medi-Cal (the California version of Medicaid) and is eligible for home care, it's possible that you could be paid by Medi-Cal -- though not much -- as a home care aide. For you to get such payments, you'd have to be certified by the Sta...
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  20. Is there financial assistance when a parent lives in my home?

    Question - You might be able to get some pay directly from the state for taking care of your parent if your parent has few assets and little income. Your parent might qualify for home care through Medicaid. But instead of getting that care from a Medicaid home care agency, it might be possible – depending on t...
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  21. Can I get help with Part B payment?

    Question - There are four programs that can pay some or all of your Medicare Part B premiums, deductible and copayments. You must have low income and assets to qualify for any of these programs. Which program you're eligible for depends on how much you have in income and assets. The programs are:
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  22. Is there a program in Iowa that will pay you for taking care of a family member?

    Question - Many states have programs that can pay a family member to take care of a frail senior at home. These family caregiver payment programs -- often called Cash and Counseling but sometimes another name -- directly pay low-income seniors who would otherwise qualify for Medicaid coverage from a home care ...
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  23. Is there a program in Kentucky to help pay for assisted living?

    Question - Medicaid in a few states covers residence in an assisted living facility, but not in most states. And apparently not in Kentucky. According to the Kentucky Department for Aging and Independent Living (DAIL) Web page on assisted living in Kentucky, neither Medicaid nor any other state program covers ...
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  24. Is there a way of getting paid for in home care?

    Question - Whether she can get paid for caring for your dad depends on the state where they live and their income and assets. In some states, a program called Cash and Counseling (or a similar name) allows direct payments from the state to low-income, low-asset seniors who are in need of home care. The person ...
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  25. Is there financial assistance for funeral expenses?

    Question - First of all, consider less expensive options such as a graveside service only or cremation, which generally costs between $1,000 and $2,000. While that's a fraction of the cost of most traditional funerals, it's still quite a chunk of change.There are, however, some places to which you can turn for...
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  26. Can I qualify for social security disability benefits with a diagnosis of early onset dementia?

    Question - Eligibility for Social Security Disability benefits is judged based on your ability to perform any "substantial gainful work." This is not measured by your ability to continue working at your present job, your present type of work, within your profession, or at the same level of employment or pay. I...
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  27. How can I get financial help for my father who has no medical insurance?

    Question - If he is that close to qualifying for SSI, he can almost surely qualify for Medicaid coverage of his medical bills.Depending on the Medicaid rules in the state where he lives -- they're slightly different from one state to another -- if he has large medical bills he may qualify for Medicaid even if ...
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  28. Can my husband receive payments from medicare or medicaid to help care for myself and my son?

    Question - Not Medicare, but possibly Medicaid. If your and your husband's joint income and assets (not counting your house or car) are both low enough, you might qualify for Medicaid. And if your son is receiving SSI, he is probably eligible for Medicaid. If so, a program run by Medicaid in your state might b...
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  29. Does Medicare compensate a full time family caregiver?

    Question - Medicare does not pay anything to a family caregiver. However, if your father has a low income and few assets, he might qualify for Medicaid. If so, a program run by Medicaid in your state might be able to pay your father directly to pay for his home care, which he could then use to pay you. In some...
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  30. Does Medicare compensate family caregivers?

    Question - No, Medicare doesn't pay anything to a family caregiver. But if an elder has a low income and few assets, he might qualify for Medicaid. If so, a program run by Medicaid in his state might be able to pay him directly to pay for his home care, which he could then use to pay a family member to take ca...
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  31. My husband and I are on social security- can I receive financial help for being my husband's full time caregiver?

    Question - It's possible that you could get some pay to care for your husband through a program run by your state's Medicaid program. If you and your husband combined have a low enough income to qualify, and you have few assets other than your home (which doesn't count), your husband might be eligible for Medi...
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  32. Is there financial aid for cataract surgery?

    Question - If you have low income and few assets other than the house you live in, your personal belongings, and your car, you might qualify for the Medicaid program in your state. If you qualify, Medicaid can pay almost the full amount not only for the cataract surgery but also for the glasses you will need a...
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  33. How can I get financial assistance for dental work?

    Question - As you've probably already learned, Medicare does not cover dental care. But if you have low income and few savings or other assets (not counting your house), you might qualify for Medicaid. And in some states, Medicaid covers dental care as well as medical care.
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  34. Can my brother get paid for being a full time caregiver for our mom?

    Question - Since your mother's total income is so low, she probably qualifies for her state's Medicaid program (assuming she doesn't have much in savings or other assets other than her home). If so, that means she might also qualify for a state-run program -- if her state has one -- that can provide some payme...
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  35. What happens if I can't pay the surgery co-payment?

    Question - If it's the hospital that's telling you that you have to pay the "co-pay" before they'll allow you to have the surgery, what they're probably talking about is not actually the copayment but the Medicare Part A hospital deductible amount, which is $1,068 for each period (known as a "benefit period") ...
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  36. My mother has been denied medicaid and social security, what other options are there?

    Question - Even if your mother is not eligible for Social Security retirement benefits on her own work record, because she was not in the paid work force for long enough, she will still be eligible for Social Security dependents benefits as early as age 62, based on your father's work record. The amount of the...
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  37. Can a senior lose their SSI Benefits if they have a supplemental trust?

    Question - Whether a trust affects someone's eligibility for SSI (Supplemental Security Income) depends on the terms of the trust. SSI eligibility is based on a person (of qualifying age or disability) having very low income and assets. So, whether a trust affects that eligibility depends specifically on wheth...
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  38. If my mom temporarily returns to work, can she draw her own social security benefits?

    Question - Absolutely she can qualify for her own Social Security retirement benefits, and she won't necessarily have to work six months to do it. Under the Social Security system, you can earn up to 4 credits (or "quarters") per year toward qualifying for benefits. If she worked and paid into Social Security ...
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  39. How much income can I make while receiving social security?

    Question - Once you reach what Social Security calls "full retirement age," you can work and earn as much money as you want without any reduction in your Social Security retirement benefits. For someone your age now, full retirement age will be 66 (not 65, as it was for most of Social Security's history). Howe...
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  40. Does the V.A. Have Pensions for Disabled, Low-Income Veterans?

    Question - A low-income veteran may be eligible for a pension from the V.A. if the veteran meets all four of the following conditions:
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  41. Can Dad still receive Mom's social security after she dies?

    Question - If your father is now collecting Social Security dependents benefits (sometimes called spousal benefits) based on your mother's Social Security retirement payment, he is probably getting about half the amount she collects in Social Security retirement benefits. That arrangement will change when she ...
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  42. FAQ: What Kinds of Home Equipment and Modifications Are Covered by Medicare, Medicaid, or the VA?

    Question - Excellent information on paying for medical equipment and home modifications. I would add that the limits for HISA grants have been raised to $6,800 for service connected disabilities and $2,000 for non service connected disabilities.
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  43. Does Anyone Know of a Charity That Would Help Bury My Friend?

    Question - As founder of the Funeral Help Program (www.funeral-help.com) I deal with several thousand cases like this each year and Ms Peoples' offers sound advice. I would recommend you also consider donation to medical science as brain anomolies are rare enough scientists are often interested. If donated t...
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  44. How can I get paid for caregiving?

    Question - You have a few options if you want to be paid as your mother's official caregiver, but unfortunately none of them will offer you much money or a realistic alternative to your current full-time job.
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  45. Does the Veterans Administration have any claim on my parent's estate?

    Question - The VA's nursing home programs include VA-operated nursing home care units located at VA hospitals, contract community nursing homes and state homes. The majority of these facilities are state VA homes and the rules vary from state to state. In some states, the VA home charges a maximum monthly fee ...
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  46. Are there financial benefits available to a primary caregiver?

    Question - There are two ways you might receive some financial benefits for being a caregiver. In some states, you might be able to get paid as a home care aide if the state Medicaid program is paying home care benefits to the person you're caregiver for. But for you to get such payments, you'd have to be cer...
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  47. How do you get financial help if you are between 55 and 60 years old?

    Question - Social Security survivors benefits, based on your deceased spouse's work record, can start as early as age 60, or at any age if you're caring for the deceased worker's child who's under age 16. Other Social Security benefits -- retirement or dependents -- don't start until age 62.
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  48. How can I get paid for taking care of parents?

    Question - There are two ways you might get paid for taking care of your parents -- in addition to your parents paying you directly. Depending on the rules in your state, you might be able to get paid as a home care aide if your parents qualify for the state's Medicaid program and Medicaid providing them with ...
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  49. Can I get paid to care for my parent in Florida?

    Question - If your mother qualifies for Medicaid, and Medicaid determines that she needs home care, you might be able to get some pay from Medicaid as her home care aide. But for you to get paid to provide that home care, you'd have to be certified by the state of Florida as a home care provider. To get certif...
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  50. How can I find a new doctor and can my wife qualify for SSI?

    Question - The Medicare web site has a tool that can help you find doctors in your area who accept Medicare patients. You might also be able to get regular in-home care for your wife through Medicare Part B coverage for home health care. For Medicare to cover it, your wife must be referred to home health care ...
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  51. Can a person get paid for caring for their parents in their parents' home?

    Question - You might be able to get some pay directly from the state for taking care of your parents if they have few assets (other than their home) and little income. If they require home care, and have low income and assets, they might be entitled to receive it through Medicaid. But instead of getting that c...
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  52. Is there any situation that allows you to obtain a income while on disability without losing your benefit that is accepted by the SSA?

    Question - Yes, there are a couple of different ways to have some income and still qualify for Social Security Disability Insurance (SSDI) benefits. First, SSDI considers you disabled only if you aren't able to perform what they call "substantial gainful activity." But that doesn't mean you can't earn anything...
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  53. How do I become a paid caregiver for my own family?

    Question - Whether you can get paid to be her caregiver depends on what program, either Medicaid or other state program, is available in the state where you live. Cash and Counseling or similar programs in many states can provide regular payment to family caregivers even if the person being cared for would not...
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  54. Is there a program where I get paid to be my mom's caregiver?

    Question - If your mother is on Medicaid or Medicaid eligible, there may be a program where you (or another family member) can get paid to be her home caregiver. These programs vary, state by state. Check out this Caring.com article with more information. You'll need to contact the Medicaid office serving your...
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  55. Does any part of a VA widows pension amount have to be repaid under current laws?

    Question - If she provided her correct Social Security number and filled out the VA forms correctly, she shouldn't worry about the money she has already received. But there is no guaranty that she will continue receiving the VA pension amount, even though no new law affects these particular pension rules.
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  56. How do you apply for the Cash for Caregiving program through...

    Question - A Cash and Counseling or similar program is available in many states. It pays direct assistance to home-bound elders or others who have low incomes and few assets other than their home. The payments can then be used to pay a family member, or other independent caregiver, for providing in-home care. ...
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  57. im on ssi and medicaid im also on 24/7 care given to me bymy...

    Question - The Indiana Health Coverage Program (IHCP) operates Medicaid and related programs in Indiana which provide assistance with medical and long-term care for people with low incomes and few assets. Part of the IHCP is Home and Community Based Waiver Programs that pay reimbursement for reasonable and nec...
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  58. Does the Department of Veterans Affairs seek reimbursement for a veteran's nursing home care?

    Question - The VA won't seek reimbursement from your father's estate for VA-sponsored nursing home care. Whether the state seeks reimbursement is more complicated. If your father lives in a private or state-run nursing facility, rather than in one actually operated by the VA, there may be costs in addition t...
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  59. What can I do help my brother, who has terminal lung cancer and refuses hospice services?

    Question - This must be an incredibly difficult situation for you and yours. It sounds as if your brother is quite adamant about not wanting to be a burden to anyone in his final months of life. It also sounds like he has made these decisions based on how he feels, both physically and emotionally, at least rig...
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  60. What happens when patients run out of Medicare days?

    Question - Help him apply for Medicaid, or apply for him, immediately. Even if it seems that he's "over the limit," he may qualify anyway. That's because he may be able to "spend down" the amount that he's over the Medicaid eligibility limit by paying that amount to the nursing home, with Medicaid paying the r...
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  61. Can SSI/Medicare/Medical/Hud Section 8 look for repayments of benefits paid to date, when I am no longer eligible for benefits going forward?

    Question - You seem to be doing everything right, and there is no reason to worry about repayment to any of these agencies or programs. As long as you legitimately qualified when you were receiving assistance, there is no obligation to repay any of these programs if and when your income goes up and you no long...
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  62. Where can I turn to get my father some financial and housing assistance?

    Question - It’s always distressing to see evidence that an aging family member is declining. You can use what you’ve observed to begin a conversation with your grandfather with the goal of ensuring his health and safety and maintaining as much independence for him as is possible. Before you can get help for yo...
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  63. Where do I get financial help for my 88 year old mother?

    Question - There are several kinds of assistance available for your mother. Because of her age and low assets, she's almost surely eligible for Supplemental Security Income (SSI), in addition to whatever Social Security benefits she receives. This could bring her an extra $600 to $800 per month. If she qualifi...
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  64. Where can I get financial assistance for monthly expenses?

    Question - Depending on where you and your parent live and your financial situation, there are federal and state programs that can help. The best place to start is with your county's Office of Senior Services. They can give you advice on how to find services that provide:
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  65. Where can I find a place for my elderly Mother that's safe...

    Question - Programs for low-income seniors exist in almost every state. To qualify, your mother will probably have to meet income guidelines. Some places receive property tax incentives to offer below market rent to low-income seniors. They work on a sliding scale based on income.Your mother may be eligible fo...
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  66. Is there financial aid for caregivers?

    Question - There are millions of people in America taking care of elderly parents without any pay. Unfortunately, there is no direct financial aid that can help compensate you for the lost income. However, some relief may be found in an unlikely place -- the income tax.
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  67. Where can I find financial assistance for assisted living costs?

    Question - A great place to start the search is BenefitsCheckup.org. This service can help you figure out which local, regional, and national programs may be available to help your mother with her bills.
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  68. How can I cover my medical care expenses?

    Question - Most Medicare Part D drug plans don't cover any drug costs during the program's "doughnut hole" -- when total drug expenses for the year reach $2,510 but out-of-pocket costs for the year haven't yet reached $4,050. But there are some ways to save money on out-of-pocket prescription drug costs.
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  69. Will Medicaid or Medicare pay for indigent health care?

    Question - The short answer is, Medicare won’t but Medicaid will.
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  70. How do I get into a nursing home with limited resources?

    Question - If your resources are limited, you may qualify for Medicaid to pay for your nursing home care. The resources you have and your need for assistance will determine if you qualify. Medicaid is a joint federal-state program for the financially needy. It's administered by the state and local governments ...
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  71. How do you hide money from Medicaid?

    Question - First of all, it is illegal to "hide" assets when planning to apply for Medicaid; it's considered fraud. However, Medicaid does permit some transfers of assets prior to applying for coverage in a nursing home or assisted living facility.
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  72. Is there any program that offers free or low-cost senior dental care?

    Question - Medicare, the largest program of health care for seniors, doesn't provide any dental care. Neither do Medicare Advantage managed care plans or Medigap private supplemental health insurance plans.Medicaid is the federal/state joint program of health care benefits for certain people, including seniors...
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  73. Help paying for chemo if you don't qualify for Medicare or Medicaid?

    Question - www.pparx.org
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  74. Does Medicaid pay for assisted living?

    Question - Medicaid is the federal program, administered individually by each state, that provides medical benefits for seniors and others with low-income and few assets. In every state, Medicaid pays the full cost of care in a nursing facility for someone eligible for the program. There's no Medicaid rule tha...
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  75. I am 53 with no insurance. Where do I go for help?

    Question - If you were covered by your employer's group plan while you were working (and your employer has at least 20 employees,) you're entitled to continue your coverage under COBRA. However, you will need to pay the premiums. Since you didn’t mention it, I will assume that COBRA is not an option.
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  76. How much will Medicare cost me?

    Question - Hey Cindy, Medicare Advantage Plans Costs and Coverage are dictated by the Companies that run the Plan. Many Plans have no Premiums, as Money that was meant to pay for Original Medicare, gets paid to the respective Companies with which the Medicare Advantage Plan is affiliated. Medicare Advantage Pl...
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  77. Any financial aid for caring of elderly in home full-time?

    Question - There may be a little. If your mother has low income and assets, she might get in-home care from Medicaid. Until recently, your mother would have to get that Medicaid in-home care through a certified home care agency. Now, it's possible – depending on what state you live in -- to bypass the home car...
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  78. What kind of financial aid programs are available to full-time caregivers?

    Question - You might find a little cash assistance if you and your husband have low income and assets. In that case, your husband might qualify for in-home care from Medicaid or similar state program. Until recently, he'd have to get that Medicaid in-home care through a certified home care agency. Now, it's po...
    Icon-expert-hh9a0a45474a1 Expert Answer, 11 Community Answers
  79. How do I find out if my father qualifies for a veterans funeral?

    Question - As a starting point, contact the United States Department of Veterans Affairs. Its website provides a fairly comprehensive Q and A section on burial benefits -- along with contact information should you need additional guidance. A word to the wise: Not surprisingly, the representatives at the VA...
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  80. What kind of financial aid programs are available to full-time caregivers?

    Question - You might be able to get some pay directly from the state, for taking care of your mother, if your mother has few assets other than her house, and she has little income. If so, she might get in-home care from Medicaid. But instead of getting that care from a Medicaid home care agency, it might be po...
    Icon-expert-hh9a0a45474a1 Expert Answer, 2 Community Answers
  81. What is maximum income a widow can make to receive her husband's Social Security?

    Question - You can collect Social Security Survivors Benefits based on your husband's Social Security work record as early as age 60. But if you claim benefits before you reach your full benefits age, your survivors benefits will be reduced based on income you earn over the yearly limit.
    Icon-expert-hh9a0a45474a1 Expert Answer, 1 Community Answer
  82. With no assets and cash, how can I pay for my own final expenses?

    Question - Facing one's own passing is a difficult enough ordeal without having the additional burden of not knowing how to pay for final funeral expenses.
    Icon-expert-hh9a0a45474a1 Expert Answer
  83. Is there any financial aid for buying a home?

    Question - Your idea makes so much sense, and it's something many families consider or actually do. I do not know of any financial aid to help you buy a house. Some brokers (and housing agencies) offer low-interest home loans for people with disabilities. (Legitimate loans.) Your parents should talk to banks a...
    Icon-expert-hh9a0a45474a1 Expert Answer, 8 Community Answers
  84. Can you use benefits from VA and Medicare coverage in conjunction?

    Question - Your stepfather can use both. For any specific medical treatment, he can choose to use either the Medicare or VA system. And sometimes he can use both for the same treatment. Here's how it works. If he's treated at a VA facility, Medicare cannot pay any of the copayments that the VA charges him. Sim...
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  85. How can I get affordable legal help with a guardianship?

    Question - By getting the doctor's report that will be required to get a legal guardianship, sometimes called a conservatorship, for your son, you have already done a part of the legwork for the proceeding -- and that should help keep down any legal costs. There may be a few places you can turn to for help i...
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  86. What happens to joint assets and finances if one spouse is filing bankruptcy when separated?

    Question - This is a complicated situation and it is further complicated by the fact that the laws that pertain to this situation differ significantly from state to state.
    Icon-expert-hh9a0a45474a1 Expert Answer
  87. Can I get paid to relocate back to Michigan to care for my mother?

    Question - There may not be any funds to pay for your relocation, but it's possible that you could get paid to take care of your mother, and maybe also your aunt, once you get to Michigan. If either your mother or aunt has low income and assets, they each might qualify for Medicaid, which provides in-home care...
    Icon-expert-hh9a0a45474a1 Expert Answer, 1 Community Answer
  88. As a husband, what financial steps should I take to protect both my wife, as she progresses through the steps of Alzheimer's, and myself?

    Question - Illnesses such as Alzheimer's that necessitate long term care can be devastating for a family's finances. The "healthy" spouse is faced with the prospect of high out-of-pocket expenses for medical and personal care for the ill spouse, while still paying for his own living expenses. It is frightening...
    Icon-expert-hh9a0a45474a1 Expert Answer, 2 Community Answers
  89. Can Medicaid take your house, even a jointly-owned home, to pay for long-term care?

    Question - Your father's interest in the house won't count against him should he need to enter a nursing home, because a person's primary residence is exempt when Medicaid counts a person's assets in determining eligibility. Upon his death, however, if the house remains partly in his name, Medicaid may be able...
    Icon-expert-hh9a0a45474a1 Expert Answer, 7 Community Answers
  90. Can my home be taken if my mother lives there but her care must be paid for?

    Question - The state cannot take your mother's former home since she no longer owns it, and the transfer to you by your mother two years ago should not affect her Medicaid eligibility because you are her disabled child. So, if your mother has to enter a nursing home, you will be able to apply for Medicaid for ...
    Icon-expert-hh9a0a45474a1 Expert Answer
  91. How can I convince my parents to accept my financial help?

    Question - It is very difficult for some older people to accept financial help from anyone, particularly their children. A good first step would be to tell them that you have set up your own financial plan that includes investments, retirement, insurance and estate planning. You could then offer to work with t...
    Icon-expert-hh9a0a45474a1 Expert Answer, 1 Community Answer
  92. Whose Social Security Number goes on an irrevocable trust?

    Question - An irrevocable trust requires its own tax ID number, called an Employer Identification Number or EIN. It's like a Social Security Number, but instead of being for a person, it is for the trust.You get one online from the IRS website or over the phone by calling 800-829-4933. Once you get that EIN, t...
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  93. What are the housing options for my parents who are filing bankruptcy?

    Question - Although your parents are not yet ready for supportive housing, it is best to plan ahead. You should review the information on your state websites to find local programs such as HUD, low rent options for seniors and housing choice vouchers.
    Icon-expert-hh9a0a45474a1 Expert Answer, 1 Community Answer
  94. Is there a program that will pay me to care for my dad if I quit my job?

    Question - In about 15 states, Medicaid runs a Cash-and-Counseling program that pays seniors directly to cover their in-home care. The senior can then use that money to pay anyone, including family members. You can learn more about it and similar options here and in this Caring Currents blog post. Your Area Ag...
    Icon-expert-hh9a0a45474a1 Expert Answer, 2 Community Answers
  95. My mom recently passed away -- will I be responsible for the medical bills that were not covered by Medicare?

    Question - My mother and father signed a "Warranty Deed Reserving Life Estate" in 2004 that basically states that upon both their deaths, their home is to be sold at fair market value and divided amonst the six siblings. My question is does this suffice in lieu of a will? Their only belongings is the house. ...
    2 Community Answers
  96. How can I find out if I am eligible for housing?

    Question - PACE is the Program of All-Inclusive Care for the Elderly which helps frail elders stay at home when they otherwise would need nursing home care. It's operated jointly by Medicare and Medicaid and -- if you qualify -- could provide you with full primary medical care, including drugs. It also offers ...
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  97. What financial help is available for caregiver who had to...

    Question - Because your mother's assets are almost gone, and assuming she doesn't have much income, she may be eligible for a program that pays her for home care, which she can use to pay you. Here's how it works.
    Icon-expert-hh9a0a45474a1 Expert Answer, 2 Community Answers
  98. When I applied for widows benefits a year ago, I was told...

    Question - I'm afraid Social Security is right -- you have to be 65 to be eligible for any of Medicare's programs (unless you are disabled and have been receiving Social Security Disability benefits for at least 24 months, in which case you'd be automatically enrolled). You should plan on considering which par...
    Icon-expert-hh9a0a45474a1 Expert Answer, 5 Community Answers
  99. How can I find agencies that will offer me financial help?

    Question - There are several places you can go to seek financial help. First, you can apply for Social Security Disability benefits. If you are physically unable to work now but you've worked in the past and your employers or you have paid Social Security taxes, you can be eligible for monthly Social Security ...
    Icon-expert-hh9a0a45474a1 Expert Answer, 2 Community Answers
  100. Does an inheritance affect Medicare eligibility?

    Question - Your daughter's Medicare coverage won't be affected in any way by her inheritance, regardless of whether you keep the condo or you sell the condo and she gets a share of the proceeds. Neither Medicare Part A nor Part B eligibility depends in any way on the amount of your daughter's assets or income....
    Icon-expert-hh9a0a45474a1 Expert Answer, 1 Community Answer
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