Mom ran out of $ for private pay bed in nursing home, but earns too much to qualify for a Medicaid bed. What do I do?

If she is Medically at need, she absolutely without question can qualify to stay where she is paid by state Medicaid. How you go about it depends on the state she lives in. Don't let people tell you otherwise and absolutely do not under any circumstances take her home. If she has no money, paying for an attorney is not worth it either. Call the ombudsman and/or APS and notify them of the situation and that you are unable to care for her. They will know what to do.

There are Qualifying Income Trusts and Miller Trusts were the overage can be placed there. You will need a Elder lawyer to help u set it up if your State allows them. In my state the income cap is just over 2500. If Mom is bringing in 3000, 500 would be placed in the trust. In the end, any money in that trust reverts back to Medicaid.

Your county office of aged and disabilities can help guide you

Consider contacting a Medicaid Planner for her state.

Have you asked the Social Worker at the facility with help applying for Medicaid?

If your mom is medically at need of a nursing home bed, she can wither spend down her assets or create a shared income trust to qualify for Medicaid payment. Which it is depends upon the state and not all Nursing Homes have Medicaid beds.

I’m not sure but stick around because plenty of posters have knowledge on this topic.

Best wishes to you and your family.