Guest guest Posted July 9, 2002 Report Share Posted July 9, 2002 Under Medicaid rules they don't make you spend all your money to qualify. Your home is safe and half of your cash assets up to about $ 80,000. If you go to a home you have to spend your half of your assets to qualify for medicaid down to $2400 . Hope this helps, R Kidd Delaware Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 9, 2002 Report Share Posted July 9, 2002 Hi, I am new here, my father was diagnosed with Parkinson's about 10 years ago and two months ago the doctors decided it really wasn't Parksinons and now have diagnosed him with Shy-drager. His symptoms seem to fit shy-drager exactly. I was hoping you could help me get information on Hospice and exactly what it is. Currently my mother is taking care of my father with the help of a home health care person because she still works and can't take care of him completely herself because of her own health problems. This is cutting into her limited budget and quickly eating up their retirement savings. I was wondering what options there are out there for financial help in these situations. She can't get LTC because he was already diagnosed before they applied. We really don't want to put him in a nursing home if we can avoid it and the doctor said that he is beyond assisted living. Thanks, Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 9, 2002 Report Share Posted July 9, 2002 Hello , I am assuming that your father is of age to be receiving Social Security or he is already receiving Social Security Disablity? Of course, if he is on SSI and is income eligible, he may be eligible for Medicaid. Or if he is on Social Security, he may be eligible for Medicare if he is age eligible. Others on the list will probably respond with other suggestions. Sorry you find it necessary to be here, but welcome to the list. Regards, Jerry Cash Re: LTC?/hospice Hi, I am new here, my father was diagnosed with Parkinson's about 10 years ago and two months ago the doctors decided it really wasn't Parksinons and now have diagnosed him with Shy-drager. His symptoms seem to fit shy-drager exactly. I was hoping you could help me get information on Hospice and exactly what it is. Currently my mother is taking care of my father with the help of a home health care person because she still works and can't take care of him completely herself because of her own health problems. This is cutting into her limited budget and quickly eating up their retirement savings. I was wondering what options there are out there for financial help in these situations. She can't get LTC because he was already diagnosed before they applied. We really don't want to put him in a nursing home if we can avoid it and the doctor said that he is beyond assisted living. Thanks, If you do not wish to belong to shydrager, you may unsubscribe by sending a blank email to shydrager-unsubscribe Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 9, 2002 Report Share Posted July 9, 2002 Jerry, Thanks for your suggestions. Yes, my father is 73 and is receiving Social Security and a pension and he is on Medicare. Medicaid would pay for a nursing home (which we really don't want to do yet since he is only about 80% wheelchair bound, but he can't take care of himself or be by himself) and maybe even the home health care (not sure about that), but they would take my parent's entire savings which would leave my mom with nothing, compelely impoverished with only a miniscule Social Security and pension to live on. This is not even enough for her to live on. Are there any ways around this? Are there any other programs that offer help that I am missing out on? What is the living situation of other husbands and wives in this situation? > Hello , > > I am assuming that your father is of age to be receiving Social Security or > he is already receiving Social Security Disablity? Of course, if he is on > SSI and is income eligible, he may be eligible for Medicaid. Or if he is on > Social Security, he may be eligible for Medicare if he is age eligible. > > Others on the list will probably respond with other suggestions. > > Sorry you find it necessary to be here, but welcome to the list. > > Regards, > > Jerry Cash > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 9, 2002 Report Share Posted July 9, 2002 Hi, Actually your mom does not have to lose everything to get your dad help. She should talk to Medicaid immediately as they have to send down savings to 50% of some amount , but she does not have to lose her home and one car to make the 50%. That will put him in a nursing home - but their are some Hospice care facilities that may offer more help also. She should get Social Services or the Area Agency on Aging involved NOW to see what her options are. Take care, Bill Werre ========================== > > > Date: 2002/07/09 Tue PM 05:04:53 CDT > To: shydrager > Subject: Re: LTC?/hospice > > Jerry, Thanks for your suggestions. > > Yes, my father is 73 and is receiving Social Security and a pension > and he is on Medicare. Medicaid would pay for a nursing home (which > we really don't want to do yet since he is only about 80% wheelchair > bound, but he can't take care of himself or be by himself) and maybe > even the home health care (not sure about that), but they would take > my parent's entire savings which would leave my mom with nothing, > compelely impoverished with only a miniscule Social Security and > pension to live on. This is not even enough for her to live on. Are > there any ways around this? Are there any other programs that offer > help that I am missing out on? > > What is the living situation of other husbands and wives in this > situation? > > > > > Hello , > > > > I am assuming that your father is of age to be receiving Social > Security or > > he is already receiving Social Security Disablity? Of course, if > he is on > > SSI and is income eligible, he may be eligible for Medicaid. Or if > he is on > > Social Security, he may be eligible for Medicare if he is age > eligible. > > > > Others on the list will probably respond with other suggestions. > > > > Sorry you find it necessary to be here, but welcome to the list. > > > > Regards, > > > > Jerry Cash > > > > > If you do not wish to belong to shydrager, you may > unsubscribe by sending a blank email to > > shydrager-unsubscribe > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 9, 2002 Report Share Posted July 9, 2002 You might check with a nursing home about costs and how to pay. In TN, the couple may keep their home, a car, and one half of their savings. All other funds can be used to pay for the care of the patient. Marilyn > > Reply-To: shydrager > Date: Tue, 09 Jul 2002 22:04:53 -0000 > To: shydrager > Subject: Re: LTC?/hospice > > Jerry, Thanks for your suggestions. > > Yes, my father is 73 and is receiving Social Security and a pension > and he is on Medicare. Medicaid would pay for a nursing home (which > we really don't want to do yet since he is only about 80% wheelchair > bound, but he can't take care of himself or be by himself) and maybe > even the home health care (not sure about that), but they would take > my parent's entire savings which would leave my mom with nothing, > compelely impoverished with only a miniscule Social Security and > pension to live on. This is not even enough for her to live on. Are > there any ways around this? Are there any other programs that offer > help that I am missing out on? > > What is the living situation of other husbands and wives in this > situation? > > > >> Hello , >> >> I am assuming that your father is of age to be receiving Social > Security or >> he is already receiving Social Security Disablity? Of course, if > he is on >> SSI and is income eligible, he may be eligible for Medicaid. Or if > he is on >> Social Security, he may be eligible for Medicare if he is age > eligible. >> >> Others on the list will probably respond with other suggestions. >> >> Sorry you find it necessary to be here, but welcome to the list. >> >> Regards, >> >> Jerry Cash >> > > > If you do not wish to belong to shydrager, you may > unsubscribe by sending a blank email to > > shydrager-unsubscribe > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 10, 2002 Report Share Posted July 10, 2002 , I am on the list because my older brother (53) has MSA (diagnosed about a year and a half ago) and he just recently went on disability. His options were to receive Social Security disability and fortunately he has a retirement benefit from his employer that kicks in based on age or disability. He qualified, of course, on the basis of disability. Even so, his wife is continuing her part-time job for now. Because of their combined incomes, he will not qualify for Supplement Social Security Income or SSI. His employment ended in May, but he had to go 6 months without income before his Social Security benefits will kick in (October of this year) and he is still waiting on his retirement pay to begin (but at least he expects that to be paid retroactively.) In the meantime, he is drawing down savings and I think he was fortunate enought to have a deferred comp plan at work. I do believe, and someone else may know for sure, that a spouse who is a caregiver may also qualify for Social Security even if s/he is not 62 if it is necessary for them to stay at home to care for a spouse. His problem is that he will need to maintain health insurance coverage for himself and his wife since neither of them have other coverage and neither of them are Medicare age. That will consume a good portion of their income. Sorry, I do not know of any other resources to point you to for financial assistance or I would point him there also. Regards, Jerry Cash Re: LTC?/hospice J Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 10, 2002 Report Share Posted July 10, 2002 Jerry, Is SSI and SSD two different things? I thought that if you received SSD you could not receive SSI. I'm gonna check on that today. Dr. Ray -- RE: LTC?/hospice ,I am on the list because my older brother (53) has MSA (diagnosed about ayear and a half ago) and he just recently went on disability. His optionswere to receive Social Security disability and fortunately he has aretirement benefit from his employer that kicks in based on age ordisability. He qualified, of course, on the basis of disability. Even so,his wife is continuing her part-time job for now. Because of their combinedincomes, he will not qualify for Supplement Social Security Income or SSI.His employment ended in May, but he had to go 6 months without income beforehis Social Security benefits will kick in (October of this year) and he isstill waiting on his retirement pay to begin (but at least he expects thatto be paid retroactively.) In the meantime, he is drawing down savings andI think he was fortunate enought to have a deferred comp plan at work. I dobelieve, and someone else may know for sure, that a spouse who is acaregiver may also qualify for Social Security even if s/he is not 62 if itis necessary for them to stay at home to care for a spouse.His problem is that he will need to maintain health insurance coverage forhimself and his wife since neither of them have other coverage and neitherof them are Medicare age. That will consume a good portion of their income.Sorry, I do not know of any other resources to point you to for financialassistance or I would point him there also.Regards,Jerry Cash-----Original Message-----From: rockhopper423 Sent: Tuesday, July 09, 2002 5:05 PMTo: shydrager Subject: Re: LTC?/hospiceJIf you do not wish to belong to shydrager, you may unsubscribe by sending a blank email to shydrager-unsubscribe Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 10, 2002 Report Share Posted July 10, 2002 Dr. Ray, I'm not an expert, but yes I believe they are different. It is my understanding that the Soc Sec disability is awarded based on "disability'" regardless of assets or income, while I believe the SSI is "supplemental income" which one may be entitled to in addition to SSD if one qualifyies for additional assistance based on income (or lack of income and assets). Others may want to clarify or correct this response if I am mistaken. Regards, Jerry RE: LTC?/hospice ,I am on the list because my older brother (53) has MSA (diagnosed about ayear and a half ago) and he just recently went on disability. His optionswere to receive Social Security disability and fortunately he has aretirement benefit from his employer that kicks in based on age ordisability. He qualified, of course, on the basis of disability. Even so,his wife is continuing her part-time job for now. Because of their combinedincomes, he will not qualify for Supplement Social Security Income or SSI.His employment ended in May, but he had to go 6 months without income beforehis Social Security benefits will kick in (October of this year) and he isstill waiting on his retirement pay to begin (but at least he expects thatto be paid retroactively.) In the meantime, he is drawing down savings andI think he was fortunate enought to have a deferred comp plan at work. I dobelieve, and someone else may know for sure, that a spouse who is acaregiver may also qualify for Social Security even if s/he is not 62 if itis necessary for them to stay at home to care for a spouse.His problem is that he will need to maintain health insurance coverage forhimself and his wife since neither of them have other coverage and neitherof them are Medicare age. That will consume a good portion of their income.Sorry, I do not know of any other resources to point you to for financialassistance or I would point him there also.Regards,Jerry Cash-----Original Message-----From: rockhopper423 Sent: Tuesday, July 09, 2002 5:05 PMTo: shydrager Subject: Re: LTC?/hospiceJIf you do not wish to belong to shydrager, you may unsubscribe by sending a blank email to shydrager-unsubscribe Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 10, 2002 Report Share Posted July 10, 2002 SSI is supplemental Security Income and is based on both disability and need. Being on SSI qualifies you for Medicaid not Medicare. It is not Social Security which qualifies you for Medicare at either age 65 or two years after going on Social security Disability. Barbara Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 10, 2002 Report Share Posted July 10, 2002 Hi all, SSDI is Social Security Disability Insurance. SSI is Social Security Insurance and kicks in about 62 years of age Medicare kicks in two years after SSDI or 65 years of age whichever comes first. Medicaid kicks in when you are below certain minimum levels of compensation and/or assets. Medicaid can kick in for one spouse in a marriage and leave the other the house, one car and some assets. There ARE other things which can help some people such as private or employer insurance plans. HOWEVER, don't count on a living amount from the government plans. Charlotte got about $800 per month after working for 30 some years full time and the last 10 with a fairly high salary. We were lucky that I had a high retirement and lifetime 80% pay health insurance through my employer and that I got a buyout to take early retirement. Take care, Bill Werre ======================================== > > > Date: 2002/07/10 Wed AM 09:02:27 CDT > To: shydrager > > Subject: RE: LTC?/hospice > > Jerry, > > Is SSI and SSD two different things? I thought that if you received SSD you > could not receive SSI. I'm gonna check on that today. > > > > Dr. Ray > > > > -- Re: LTC?/hospice > > > > > > J > > > > > > If you do not wish to belong to shydrager, you may > > unsubscribe by sending a blank email to > > > > shydrager-unsubscribe > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 10, 2002 Report Share Posted July 10, 2002 One of the interesting paradoxes is that if you have income and can only qualify for SSD, you must wait two years to go on Medicare, but of you do not have enough income and must qualify for SSI as well as SSD or SSI alone, you qualify for Medicaid which also includes your prescriptions. I have known a few people who were eligible for SSD and received it but also, because of their low income, received a small SSI allowance and therefore could get their prescriptions that was. Also, Medicare does not pay for in-home help, nor does Medicaid usually, but some recipients of SSI do qualify for in-home help. I am not sure how that happens. It is my understanding that Hospice does not pay for full-time in home help, but they did send us a bath girl three times a week and a nurse three times a week. I, however, paid the full-cost of in-home care out of pocket for five years, and yes, it cost a fortune. However, Ken had excellent care, and we were fortunate to be able to pay for it. Here in California, there are various qualifying tests to see if you are eligible for Medical. It is pretty lenient if you are part of a couple and is probably different in each state. I will post the California site to tell about eligibility here. Barbara Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 10, 2002 Report Share Posted July 10, 2002 HI. WHAT ARE THE PROCEDURES FOR APPLYING FOR HOSPICE? I HAVE MEDICARE, AETNA PPO, AND WAIVER 4,ECT. HOW DO APPLY FOR IT? THANK YOU. NANCY M. kmcrae@... wrote: > > One of the interesting paradoxes is that if you have income and can only > qualify for SSD, you must wait two years to go on Medicare, but of you do not > have enough income and must qualify for SSI as well as SSD or SSI alone, you > qualify for Medicaid which also includes your prescriptions. I have known a > few people who were eligible for SSD and received it but also, because of > their low income, received a small SSI allowance and therefore could get > their prescriptions that was. Also, Medicare does not pay for in-home help, > nor does Medicaid usually, but some recipients of SSI do qualify for in-home > help. I am not sure how that happens. It is my understanding that Hospice > does not pay for full-time in home help, but they did send us a bath girl > three times a week and a nurse three times a week. I, however, paid the > full-cost of in-home care out of pocket for five years, and yes, it cost a > fortune. However, Ken had excellent care, and we were fortunate to be able to > pay for it. > Here in California, there are various qualifying tests to see if you are > eligible for Medical. It is pretty lenient if you are part of a couple and is > probably different in each state. > I will post the California site to tell about eligibility here. > Barbara > > If you do not wish to belong to shydrager, you may > unsubscribe by sending a blank email to > > shydrager-unsubscribe > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 11, 2002 Report Share Posted July 11, 2002 We called them, they set up an appointment and came to the house and filled out forms, took about 2 hours. From the info they get they decided we were elgible, then they contact Dr. etc and go from there. Ginger Re: LTC?/hospice > HI. > WHAT ARE THE PROCEDURES FOR APPLYING FOR HOSPICE? > I HAVE MEDICARE, AETNA PPO, AND WAIVER 4,ECT. > HOW DO APPLY FOR IT? > THANK YOU. > NANCY M. > > kmcrae@... wrote: > > > > One of the interesting paradoxes is that if you have income and can only > > qualify for SSD, you must wait two years to go on Medicare, but of you do not > > have enough income and must qualify for SSI as well as SSD or SSI alone, you > > qualify for Medicaid which also includes your prescriptions. I have known a > > few people who were eligible for SSD and received it but also, because of > > their low income, received a small SSI allowance and therefore could get > > their prescriptions that was. Also, Medicare does not pay for in-home help, > > nor does Medicaid usually, but some recipients of SSI do qualify for in-home > > help. I am not sure how that happens. It is my understanding that Hospice > > does not pay for full-time in home help, but they did send us a bath girl > > three times a week and a nurse three times a week. I, however, paid the > > full-cost of in-home care out of pocket for five years, and yes, it cost a > > fortune. However, Ken had excellent care, and we were fortunate to be able to > > pay for it. > > Here in California, there are various qualifying tests to see if you are > > eligible for Medical. It is pretty lenient if you are part of a couple and is > > probably different in each state. > > I will post the California site to tell about eligibility here. > > Barbara > > > > If you do not wish to belong to shydrager, you may > > unsubscribe by sending a blank email to > > > > shydrager-unsubscribe > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 12, 2002 Report Share Posted July 12, 2002 In our case, I asked our Neurologist if she thought it was time to contact Hospice, and I could hear the relief in her voice that I had brought it up. She contacted them for me and arranged for someone to come to the house to talk to us. Ken live exactly six months and one week after the referral. So she was pretty accurate in her evaluation. Barbara Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2002 Report Share Posted July 22, 2002 Hi, You should find an Elder Care Lawyer to help you see how Medi-Cal or whatever it is called in your area. They can help you get your fathers care and save your mothers finances. It is true that it can take it all but it can be done without your Mother losing everything. There is some group that advertises on the radio for helping senior citizens, I'm sorry I don't know the exact name but it starts with Secure ----. I can tell you it can be done as I'm doing it right now with my husband. I hope this makes some sense and be of help to you, S, caregiver of Warren. Quote Link to comment Share on other sites More sharing options...
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