Anyone else in or been this impossible situation? Any suggestions welcome.

Hi Lishe....
Rest assured you will not have lose all of your spouse's income if it happens that he needs to move to a long-term care facility as a Medicaid recipient.
Federal Law provides for Community Spouse protections to prevent the spouse living in the community from becoming impoverished.
The guideline are the same for all states except Alaska and Hawaii and, depending on your shelter expenses (housing and other costs), you will be able to retain $2,739 of you and your spouses combined income and up to $109,560 of otherwise countable assets (the $109,950 does not include the house, automobile and personal effects).
Interestingly, Illinois' standards are quite a bit more restrictive than in other states, e.g., Florida the combined income limit (technically called the "Minimum Monthly Maintenance Needs Allowance or "MMMNA") is up to $3,260 and the Community Spouse asset limit is $130,360 (these are the Federal limits).
I hope these numbers work for you and your financial stress is somewhat relieved.

I’m not sure how to use this platform to respond to all so please forgive me if I’m doing this wrong.
Thank you so very much to everyone for your most helpful suggestions and information. I now know what to do and how to accomplish it. I only have one more day before I have surgery and am in such bad shape I can barley cope for myself. All I can do is try to set things in motion and let God do what only he can do.
Truly thank you all and I will update at a later time. Hopefully I can help someone else as you have all helped me.
God Bless.

Lishie, welcome!

While DH is in acute rehab, you need to talk to the Social Worker there and explain that you can no longer care for you husband at home.

The social worker may be able to help with doing an application for Long Term Care Medicaid, or she may advise you to find a Medicaid Planner who can help.

Then you need to find a NH that will accept him for sub-acute rehab and will be able to keep him there as a long term care resident.

Medicaid does not seek to impoverish the spouse who is at home. If you need some of his income for support, it will be available to you.

This link may be helpful:

https://www2.illinois.gov/hfs/info/Brochures%20and%20Forms/Brochures/Pages/HFS3191.aspx

But DO start with the SW dept. where your husband is getting care.

LTC Medicaid is designed to not leave the spouse impoverished. Please meet with a state social worker from the Department of Human services to discuss your situation. You will be allotted some of your husband's income to support yourself if necessary.

Hello and abundant blessings to all who come here looking for support and help and most definitely to all who come here helping us.

I wanted to come back and report on my situation and thank everyone here for their kindness and support when I needed it the most.

To all who are in an ongoing supportive role, I am praying for you all every day. I know the sacrifice you are making. God is always there. Hold on and know he has not forsaken you.

My caretaker role ended this past Monday 2/21/2022. My husband passed here at home with just the two of us. This has been the most difficult thing I have ever experienced in my 68 years of living. I have to say it was a very loud and scary passing. He was actively dying for just under 48 hours. Through God only I made it until the end taking care of him myself the entire time. I did have support from the Veterans Administration. They provided 12 hours a week from a caregiver and everything I needed. That was not perfect as good caregivers were difficult to get. It was a revolving door of people but I was grateful as I needed all the help I could get.

If you read my profile I have health issues myself. It was very painful for me every single day but I had no choice. I had placed him in a nursing facility during my own recovery period and it was horrible. I had to shorten my recovery period and as soon as I could walk bring him home. I don't know if I'm allowed to name the facility so I won't now. If it's permissible someone post and I will reveal.

I just wanted to come back and let you all know I/we made it. My spouse is at peace and no longer suffering.

To all those going through know, God is there and there is a light at the end.

Does your husband make to much to receive assistance?

That needs to be addressed first. My dad made 14.00 a month to much to qualify for assistance but, we are in a state that allows Miller Trusts, this is not a DIY. www.nelf.org is the place to find a certified elder law attorney. They will guide you through the process.

Have you considered a facility for both of you? It sounds like you could benefit from some assistance as well.

Please talk to your surgeon about talking to social services at the hospital BEFORE your surgery. The social workers know the resources in your area. They can help you secure the help you and your spouse needs after your procedure. They can also help advise you about longer term options.

The Department of Health and Human Services can provide the assistance you need including a care giver to assist both you and your spouse. I faced income limitations to get assistance with my disabled sister and senior parent and found a Christian based home service. I am careful to screen everyone who comes into my home but there service is free. I read the previous comment from Ralph and concur. Through Medicaid you can get assistance for both of you. The hospitals usually have a social worker or consultant on staff to research these challenges and they've provided a great deal of information to assist. There is another service that I used "Seniors Helping Seniors" that might be able to assist while you are recovering from your surgery. I am a retired senior as well and my pension does not allow me to recoup assistance from some programs, some even cost, however there are services that will get you the help you need for both you and your spouse without any income loss. I am going to research this one a little more. Hope some of this information is helpful.

You will not lose his income.

I suggest after rehab you have DH transferred to a nice LTC facility. Where I live rehab and LTC are in the same building.

Medicaid allows for splitting of assets. With my GFs parents, they had 60k in savings. That was split 30k for his care and she got 30k. His 30k got spent down and then Medicaid was applied for. She became the Community Spouse being able to stay in the home and have a car. You will get partial or all of you monthly income (SS and/or pension) to live on. The Community Spouse is not made impoverished. You will probably need an elder lawyer to help with the splitting of assets if you have any. One versed in Medicaid.

You need to talk to the SW now and explain DH cannot come home. That you physically can no longer care for him and you have an operation coming up. If he is placed and Medicaid will be needed, do not leave it all up to the SW to apply and follow thru. In my State Your given 90days from application to give Medicaid info needed, spend down, and get the person placed. If not done in those 90 days, you start all over. Know who the Medicaid caseworker is. Call him/her every so often to make sure everything has been done that needs to be done.

Good answers, but when you are in the hospital for surgery, ask to speak to either a Patient Advocate or a social worker, whichever the hospital has, about what you have posted. S/he may be able to help you apply for assistance on a "spend down" if that is possible, or they may be able to place you both where it will work. Please don't worry about this on top of surgery - there are resources out there for you. God bless and keep you and your husband.