Advice on how to get Medicaid for my husband who has dementia?

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SheilainFlorida Asked September 2023

Advice on how to get Medicaid for my husband who has dementia?

My husband has had dementia for about 7 years now. He is in the middle stages. We own our own house but have little left in savings. We have pensions from our work and the Government. That is our only income.

It is now becoming harder to care for him and I would like to get him into memory Care but cannot afford it. His income from pensions and mine both go into a joint account from which I pay all bills.

What can I do to get our finances separated so that I can apply for Medicaid on his behalf. I do have POA. I believe as far as savings go we are under the limit.

I am spending a lot of extra money on his medicines and also for daycare facilities 2 days a week. So our outgoings are constantly increasing.

Thanks for any suggestions.

Alzheimer's & Dementia Medicaid Memory Care Paying for Care

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score 0 · Answer 1

Please know that most states' Medicaid programs only pay for LTC and not AL or MC. I think this is also true in FL, but you can go online and read what the FL rules are. You can get some financial relief for in-home care (but not much) through a Medicaid Waiver program. You can contact social services for your county and ask about it.

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score 3 · Answer 2

Seek the advice of an elder law attorney who is experienced in the rules and regulations of how Medicaid works.

The good news for you is that if your husband gets admitted to a Medicaid SNF, Medicaid will allow you to still live in your home and keep a certain amount of your assets and resources as Medicaid is not in the business to impoverish the other half of the union.

Good luck.

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