Hi,
So my mother went into a nursing home wednesday. They're currently helping get long term Medicaid and Medicaid. I have a meeting with the Admin tomorrow for getting POA and other things, like signing over her SSDI check to them.
All that said, both her sister and I feel the place is over crowded and understaffed significantly. When I was there today, there was only one nurse working my mother's unit of about 20-30 people. And I have a really bad feeling, not just guilt when I have to leave her and so does her sister. The place just has a bad vibe. There's a closer place to the two of us (her sister and I) that takes Medicaid and a couple other places that I've looked at that rent out houses and have 6 beds max. I would like to get on their waiting lists, but how does all that work?
I don't want to let the current nursing home know we're looking elsewhere when she was just placed, but honestly the reviews online for place are matching with what I've seen the last couple of days. I don't want them to treat her differently or bad if they know we're unhappy. Anyway, how do I go about getting her moved once we find a place and get on a list or if they have an opening?
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If you are really going to move her and you've found a place - then go for it. If you have people who can be w/your mom at the current facility to observe what is going on until move is completed, I h-i-g-h-l-y recommend it,
When you're ready to move, you can transport yourself or call a medical transport company or ambulance to move her - depending on if she needs to be laying down for travel or can sit up
For the “now”, follow me on this.... so mom enters a NH & kinda OK on competent & cognitive to do the assignment for NH to be new payee. NH has documents needed & quick & easy signature & filing to SSA. NH gets income & set up an in-facility PNA trust account (personal needs allowance) for them, from which NH automatically deducts their beauty shoppe visits, phone, cable, etc & from which family or resident can draw $ from in person. So if DPOA wants to buy clothes, POA have to go to billing office at NH to get $. The overall takeaway is $ now under control of NH, which may have corporate HQ somewhere else, even another state.
There’s no more need for old bank account, which she’s likely had for years as there’s no more $ going direct deposit into it. Bank likely has monthly service charge, which as per Medicaid rules cannot be more than 2k as that’s the max limit for individual on LTC Medicaid. So maybe can’t meet the minimum balance threshold to be free. It’s probably costing $ to keep account. So bank account in their name & perhaps that has you as a signatory on it & you as POD (pay on death) gets closed. Like it had $678.90 in it and you buy her new eyeglasses for $678.90 and close bank account.
Then months from now, everybody hates NH or you move to another city in the state, whatever... so you want to move mom to another NH. You have no access to her monthly income as its NH who is payee. It will need to get changed. And for total fun in this, SSA does NOT recognize DPOA. Mom will herself need to go to SSA office OR stay on the phone with SSA to get this done, and she has to totally be competent and cognitive to get this all done. So good luck on that. PLUS as she’s now in a facility, SSA is going to want you to become her new representative payee, which means opening a new bank account for this & do whatever reporting SSA now wants for representative payee. Opening new bank account for elder who cannot actually go to the bank with you to do this, may not be easy.
Now while all this is getting done, old NH is still the payee for her... so each month that SSA$ goes to them & stays that way till this clears for new rep payee approved by SSA & SSA$ starts to go into the new bank account. Could take a few months. But under Medicaid compliance, they must pay required co pay each month. You’ll have to basically do a bridge loan to the new NH to pay those months. Then once dust clears, the old NH finally pays mom the overage & she pays the new nH. New NH that you paid directly then repays you. You can’t pay mom $ each month for the new NH copay, as that throws her income & assets off for her Medicaid eligibility. And good luck on quickly getting overage paid from the old NH back to your mom. But each mo new NH must get copay. If copay $1800 & takes 3 mo to clear, that’s $5400 to front.
Imo keeping their bank account & paying NH the exact copay due each month & setting up their PNA to be a sensible amount for their spending needs (we did abt 2 mo of beauty shoppe) allows POA to be in control of $ & ability to easily move them if need be. I moved my mom within her first year to a much better NH. Set it so that it was right after mom got her SS$ & retirement $, so that each NH got their exact to the penny copay. I had cleared out old NH PNA couple months before as well. No need to ever deal with old NH to get a cent back.
For “later”, if your POD on account, that $ is yours. It’s not asset of estate or subject to estate recovery. It’s yours just as soon as you give bank your ID & their death certificate. If your opening probate, & you were signatory on it now & Executor later, you might be able to use account for estate. We did. It’s pretty sweet for organizing as you’ll have 1 account for all pre & post death $; & a plus should anyone challenge your proper fiduciary duty.
I’ve found (7 facilities between mom & mil) the facilities will heavily impress upon you that they just must have a direct deposit to them.... or they must become the direct / rep payee of moms income... or they tell you that if you want to retain the responsibility to pay the copay each month, you (yeah you not mom) will have to sign off on a private pay rate contract... none of these are tru. You’ll hear “it’s so much easier to just have them become the payee”, & that may be somewhat true but really, you have to just get yourself & her checking account organized & pay her bill by the 5th of the month with no maybe manana excuses.
To me, as your mom just went in & just filed her LTC NH application, you can’t really move her. She’s in limbo till she’s approved for Medicaid, which could take 2months, 4 months, whatever. My moms took 5.5 months. If the current place wants to go all Mean Girls / Heathers on her & you they can.... like foot dragging on her health records or be difficult on her taking her medications or state that she’s noncompliant for Medicaid rules if she’s a minute late on her copay or you don’t show up for a care plan meeting. To me, you gotta wait till she’s totally eligible with the acceptance letter from the state AND state has paid the Medicaid reinbursement back to day 1 AND you’ve gone thru 2-3 of the required care plan meetings.
How to move your mother? Secure the new place first. Then, talk to the new place about how you should make the move. It's nice to have an ally, even if you are doing everything yourself. People do change nursing homes. DO NOT BAD MOUTH THE NURSING HOME YOUR MOTHER IS CURRENTLY IN. Simply say you want a place closer, or more practical matters as that. Based on her health, are you able to move her in your car or will you need medical transport? Get everything arranged prior to the move, then act on your decision. You may not get any money back if you move her in the middle of the month. I moved my mother the very end of the month and had already paid for the following month. They did give me the money back, but I wasn't going to fight it if they didn't. I was just glad she was out of there!
How did I change locations? I asked to talk to the director and said that I decided to move my mother to a new location that was closer to her old neighborhood so my mother could feel more at home visually. (Which was true). I think they were used to changes: she said "Ok, will be sad to see (your mother) go," etc. etc. I paid for medical transport to get her out of there -- and had her delivered to the new location on the last day of the month. The actual move was easier than I thought.
This is a very stressful situation, I know. Stay calm and work methodically to make the change. Be professional in your dealings. Best of luck.
In terms of moving her... personally, I would contact the place where you would like to send her and express your concerns about the current standard of care where she is right now. I would think they would honor your confidentiality if they will get getting your business at some point?
And, take online reviews with a grain of salt... my understanding is that people are much more likely to complain than they are to post a compliment.
Im sure others will chime in with more specifics of how a transfer works. I did move Mom but it was a lateral transfer between affiliated homes and was easy.