I take care of my 89ish.lol mother 24/ 7, I moved her to live with me "NIT A PROBLEM" ok So I said let me see if I can get paid since I left my job of 20 years Cert.Pharmacy technician .Why did they tell me "Since my mom's Life Insurance Face Values more than 10k I would have to 1. CASH THEM *mind you I only have about 12k total. Just to bury her NOT TO GET RICH.lol..2.GIVE THEM TO A FUNERAL HOME
If this is money for a funeral, then do the funeral now. She might like to participate in the plan if she wishes a funeral elaborate enough for 10K. Then that money is spent and gone. Then you can get paid by the help of the taxpayers/Medicaid.
You're trying to get your Mom qualified for Medicaid so you can get paid to care for her in your home?
Medicaid rules vary by state and this is a global forum. What state are you in?
In most states, Medicaid only covers the medical portion of facility care and one's SS income covers the custodial (room & board) portion when one qualifies both medically as needing LTC and financially.
Everything I've ever read on this forum since 2019 seems to indicate that Medicaid will never cover 24/7 in-home care by a family caregiver. And the hourly wage is minimum.
I would consider getting your Mom assessed for LTC by her doctor and then consulting with a Medicaid Planner for your home state. There is lots that can cause someone to be disqualified, and in most states the financial "look back" on the application can be 5 years, or more.
It's best for you to talk to professionals so that you can give them all the details they need to move your case forward towards qualifying.
I wish you success in getting paid for caregiving, or getting your Mom transitioned into a good facility on Medicaid so that you can get your life and job back.