Questions About Financial Assistance for Seniors

  1. 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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  2. 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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  3. 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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  4. 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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  5. 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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  6. 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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  7. 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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  8. 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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  9. 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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  10. 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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  11. 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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  12. 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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  13. 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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  14. 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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  15. 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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  16. 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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  17. 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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  18. 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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  19. 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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  20. 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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  21. 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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  22. 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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  23. 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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  24. 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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  25. 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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  26. 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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  27. 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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  28. Is there any financial aid for a child to quit their job and care for their parent?

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  29. 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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  30. 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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  31. 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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  32. 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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  33. 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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  34. 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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  35. 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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  36. 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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  37. 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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  38. 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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  39. 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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  40. 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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  41. 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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  42. 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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  43. 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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  44. 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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  45. 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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  46. 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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  47. 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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  48. 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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  49. 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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  50. 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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  51. 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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  52. 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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  53. 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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  54. 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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  55. 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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  56. 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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  57. 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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  58. 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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  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. 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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  62. 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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  63. Is help in paying for care available?

    Question - The answer is good luck. Many states are dropping disabled and elderly from Medicaid (welfare). So even if you are poor (meet income and asset requirements) you will find there are few programs that are currently funded which means there may be programs to help the caregiver and help the patient b...
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  64. Do I have to pay income tax on my supplemental security income and pensions?

    Question - You do not have to pay income tax on Supplemental Security Income (SSI). This is different from Social Security which may be partially taxable depending on your income. On the other hand, your pension is taxable. Since you are on SSI, the income from your pension should be low enough that you do not...
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  65. Mom was left with nothing but a mess after Dad passed, what am I to do?

    Question - Taking care of a frail, aging parent is difficult under any circumstances but your case is very trying. You need to call the Social Security office and see if your mother is getting S.S. Depending on where you are, you may need your mother's permission to talk to an agent. You can explain that she i...
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  66. Social security says that I owe them money for a mistake they made, what can I do?

    Question - Not surprisingly, the government rules for receiving both a civil service disability/retirement pension and Social Security benefits are complicated. There are two rules that can apply to your situation. One is the Windfall Elimination Provision (WEP) that applies if you are receiving a pension base...
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  67. Where can I find financial help for adult daycare?

    Question - Adult day care is a good way to manage both your husband's and your needs. There are several sources of financial assistance depending on your state, the facility you choose and your personal financial resources. If you meet the financial requirements, Medicaid may cover day care in your state. You ...
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  68. Can I receive benefits from my husband's social security if I'm already receiving my own?

    Question - If you are eligible for more than one type of Social Security benefit -- such as retirement benefits based on your own work record, and also dependents or survivors benefits based on your husband's work record -- you are permitted to collect whichever one is higher, but not both at the same time. Yo...
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  69. Where can I get help paying for my husband's radiation treatments?

    Question - To find out if there is help available for your husband's radiation treatments, you should start with the facility where he is being treated. Ask if they have a financial hardship or charity care program. If there is a non-profit organization that specializes in Merkel cell skin cancer, contact them...
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  70. If I am able to accept Supplemental Security income, does that mean I can also receive Social Security disability insurance?

    Question - Since you have applied for both SSI (Supplemental Security Income) and SSD (Social Security Disability) at the same time, you will not have to undergo another medical disability determination. The decision will be purely financial depending on your income and resources.
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  71. What type of help can I get to make sure that my medical needs are covered?

    Question - In the past, based on your status and your condition, you would have been considered "uninsurable with a pre-existing condition". This made it nearly impossible to get coverage for your medical needs. However, with Health Care Reform and the passage of the "Patient Protection and Affordable Care Act...
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  72. Will selling a mobile home affect Medi-Cal eligibility?

    Question - There are two different sets of Medicaid (Medi-Cal is the name California gives to its Medicaid program) rules that could protect your mother's eligibility for Medi-Cal coverage if she gives (rather than sells) her mobile home to your brother. One set of rules applies if she receives Medi-Cal medic...
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  73. 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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  74. Is there financial assistance for home repairs?

    Question - There are government programs available to help limited income families repair their homes. The federal government offers loan programs and limited grants to low income people who want to buy, repair or rehab a home. These programs are known as HUD 203(k) and are available through FHA approved mortg...
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  75. 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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  76. Will the houses affect their Medicaid eligibility?

    Question - Medicaid law differs significantly from state to state and the Medicaid law in most states does not cover assisted living costs. I urge you to contact an experienced elder law attorney. You can find one in your area by going to the website of the National Academy of Elder Law Attorneys.
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  77. Is Mom responsible for paying back VA pension if the VA made the mistake?

    Question - When dealing with the issue of paying the VA back for overpayment, you should not go it alone. You should contact a veterans service organization that will provide a service organization representative, also known as a veterans service officer at no cost. Service organizations include AMVETS, the Am...
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  78. How long does it take to get a veteran into a veteran's nursing home?

    Question - It is difficult to assign an average or usual length of time for this process. The time it takes to get a Veteran into a Veterans Nursing Home varies vastly from state to state.
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  79. My mother can no longer pay off her debts. What do we do?

    Question - I am assuming that your mother has no assets from which she can pay her credit card debt. It would be helpful to know the amount of the credit card debt, but regardless, you can attempt to negotiate with the credit card company to pay off the debt with a small lump sum if you are able to come up wi...
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  80. Is public assistance available to cover funeral costs? My...

    Question - Is there public assistance for funeral costs? Since I run the Funeral Help hot line I get this question several times daily and wish I could give you a more solid answer than "Maybe". Most states and some cities have an Indigent Burial Fund (or something similar) to assist those who die without ass...
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  81. Are long term care benefits considered income by the VA?

    Question - Even though the long term care policy that Mom has is considered insurance, the monthly benefit amount would be documented as "other income"and would count toward her recurring monthly medical expenses and would need to be applied accordingly.
    Icon-expert-hh9a0a45474a1 Expert Answer, 2 Community Answers
  82. Will marriage affect my husband-to-be's VA benefit eligibility?

    Question - When trying to figure out whether marriage -- and your investments -- would make your husband-to-be ineligible for VA medical benefits, he has to learn whether his eligibility for those benefits is based in part on his income and asset level. That's because some veterans are eligible for medical ca...
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  83. Do VA "Aid and Attendance" benefits preclude you from Medicaid and state assistance?

    Question - This is definitely an area where the VA Disability Pension Benefit for Aid & Attendance could turn out being more of a foe than a friend and your hesitancy is well warranted. In some cases the VA Disability Pension can have an effect on an individual's eligibility for Medicaid benefits and why spec...
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  84. Can my mother receive social security and a VA pension?

    Question - Yes, your mother can receive both social security and VA Disability Pension at the same time. To qualify she would have to be over the age of 65 and not remarried. The purpose of the Non-service Connected VA Disability pension benefit is to supplement low or no income veterans and surviving spouses...
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  85. Will I lose Mediciad if I've been denied social security disability?

    Question - To be eligible for Medicaid, you need to have very low income and few assets other than the home you live in, and you must be either at least age 65 or disabled. (There are also other categories of eligibility, which vary from state to state.) If your current Medicaid eligibility depends on your s...
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  86. As a veteran's widow, what home health care benefit is Mom eligible for?

    Question - As the widow of an eligible service connected veteran, Mom may be eligible to receive VA Death Pension Benefits to help supplement the cost of in home health care services. Since there are a number of [criteria that may affect eligibility] (http://www.vba.va.gov/bln/21/pension/spousepen.htm) for t...
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  87. Are there organizations that can help with the costs of dealing with personal property after a loved one passes?

    Question - Many individuals struggle with moving their parents' belongings after death. Currently, there is no federal program designed to support this, however, you may have some luck on a local level. County social agencies have a variety of programs for seniors that may fit the bill. Check the front of you...
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  88. Social Security has made an error, and refuses to fix it. How can we get it corrected?

    Question - Your mother's status with Social Security changed when she became a widow. The Medicare card reflects her claim's relationship with Social Security. For example, the card she had previously showed that her relationship with Social Security was that she was entitled to benefits through her own work a...
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  89. What happens to the rest of a person's Social Security money after they die?

    Question - When someone dies who has been receiving Social Security benefits, two different things might happen based on the person's earnings record and Social Security tax payments. The first is that if there is a surviving spouse or a surviving child under age 18, the surviving spouse and any qualifying ch...
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  90. Will Medicare or Medicaid help with my wife's Alzheimer's care even though we're not of retirement age yet?

    Question - Do not give up hope as there are options. Medicare and Medicaid are only a part of the possible care for a person with Alzheimer's. After your wife has been receiving Social Security disability payments for 24 months, your wife will be eligible for Medicare benefits. Medicare is a traditional health...
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  91. Is there funeral expense assistance available to a veteran's widow?

    Question - This is a good question. Many times a spouse of a veteran is eligible for certain benefits during her life. Usually these are in the form of financial assistance with assisted living or nursing home costs.
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  92. 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.
    Icon-expert-hh9a0a45474a1 Expert Answer, 1 Community Answer
  93. Is there financial assistance for prescriptions co-pays?

    Question - If your father is on Medicaid in a nursing home, there is no reason for him to have to pay these high drug costs. If he is also enrolled in Medicare, he is eligible for a Medicare Part D prescription drug plan. Medicaid will pay the monthly premium for that drug plan, and will pay most of the cost...
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  94. Are there VA benefits to be a paid family caregiver?

    Question - The Veterans Aid and Attendance Pension Benefit can be used as a source of money to pay family caregivers to provide care at home. This benefit, under the right circumstances, can provide up to $1,949 a month in additional income to pay family members to provide care at home.
    Icon-expert-hh9a0a45474a1 Expert Answer, 1 Community Answer
  95. Can I receive veteran's benefits again from my first late husband?

    Question - Yes, you may be able to since you were married to the veteran at the time of his service-connected death and are not currently married, you may be eligible for the [Restored Entitlement Program for Survivors (REPS)] (http://www.workworld.org/wwwebhelp/veterans_affairs_va_benefits_dependency_and_inde...
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  96. Are there benefits available for a veteran's widow whose income is too high for Medicaid and Aid and Attendance?

    Question - You're in a very tough spot, but it's one that many thousands of people find themselves in. Although it may seem that your mother-in-law's income is too high for her to be eligible for Medicaid coverage of nursing home care, you may be surprised to find that's not the case. Some states have a stri...
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  97. Will my income, as a live-in caregiver, be counted towards my parents' income with regard to SSI?

    Question - As a live-in caregiver, your income would not count toward your parents' SSI eligibility except to the extent that you use the money to support them. When deciding on someone's Supplemental Security Insurance (SSI) eligibility, SSI looks not just at the individual applicant's income but at "househo...
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  98. Will Medicaid or Medicare pay for indigent health care?

    Question - The short answer is, Medicare won’t but Medicaid will.
    Icon-expert-hh9a0a45474a1 Expert Answer, 3 Community Answers
  99. I was laid off at 51 years-old, can I collect social security at 65 years-old?

    Question - Absolutely you will be able to collect Social Security retirement benefits when you reach retirement age. In order to qualify for Social Security retirement benefits, you only need to have earned 40 "work credits." You earn one work credit for each few hundred dollars of earnings, up to 4 credits ...
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  100. How much money can my 62 year old mom make without losing her Medicaid and Social Security benefits?

    Question - There is a two-part answer -- one part for Social Security, a different part for Medicaid -- to your question about how much your mother can earn without losing her benefits. Let's take them one at a time.
    Icon-expert-hh9a0a45474a1 Expert Answer, 1 Community Answer
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