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.