How do I get into a nursing home with limited resources?

1 answer | Last updated: Nov 30, 2016
Finngirl asked...

Having limited resourses, how do I get into a nursing home in OHIO?


Expert Answers

Barbara Steinberg is the CEO and founder of BLS Eldercare Financial Solutions, which specializes in helping families pay for long-term care for their loved ones. A registered financial gerontologist, she speaks regularly on the topic of paying for long-term care and is a financial expert for Caring.com.

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 and the rules vary from state to state. Medicaid law is complicated and you should seek the advice of someone who is knowledgeable about the laws in your state. In general, you must meet income, asset and physical requirements. Some states have income limits, others don't. Most states require you to spend down your assets to a level below a few thousand dollars. If you are married, there is some protection of assets and income for your spouse.

Someone who runs out of assets is not automatically eligible for Medicaid if he or she is in good health. When you apply to a nursing home, you will be evaluated physically and mentally to determine if you need the care provided by a nursing home.

The nursing home usually has someone on staff that can provide you with information about how Medicaid works in that facility.