Taro (mother2012) wrote,

Gladly considering any advice ...

As I had noted before, my friend Mary collapsed of unknown causes and has been in the hospital ever since. (I personally think it was a small stroke, based in part on the fact that her left hand was working better than her right.) She was not doing well, but this week has rallied considerably, leaving me hopeful - expectant - that by the end of the summer she'll be back on her feet and competent to resume handling her own affairs.

Today I received word that Medicaid has essentially ruled 'long term care' which means that they expect her to spend the rest of her life in a nursing home and they can confiscate everything.

I can't be certain that I'm right, of course, but I believe that she'll want to go home within a year. And there won't be a home to go to.

God this is really complicated. I find that I don't really want to go into detail about all of my questions and concerns. I'm trying to put together Power of Attorney, with the full support of her grown daughter, who is unable to come here. Mary had recently had to quit her job, and found herself unable to get Cobra for her insurance, so now she's on Medicaid, which is a big, faceless blob that doesn't care about anybody. Word is that Mary will now be unable to own property, so what do I do about her house? They can't seize it - it's encumbered. Does it revert to the mortgage holder?

Big, big, big issue. Mary had bought an insurance policy that would pay out in the event of her death. I don't know whether it will pay out if she's disabled, and can't find out unless I get this Power of Attorney. But if they do pay, won't Medicaid just seize that?

Shit, shit, shit.

Anybody with any real experience, I'd love to hear your opinions.
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