POA for 71 y/o mom who’s a widow with mid to late stage dementia who has too much income for Medicaid but not enough money for her home health aide needs (at least 14 hrs per day). She lives in a multi family home owned by her sister in law and only family lives in the home (my aunt and my siblings) I don’t live there I have a family and home of my own. Her assets are dwindling and are below Medicaid requirements but her monthly income is too high for Medicaid. Her care agency is expensive but going rate for CT and she is about to be unable to afford it. Agency on aging approved her for 36 hours of care 3 days a week but she still can’t afford to pay for the other 4 days. She needs 14 hours of care during the day and she gets up multiple times at night. All her kid’s work. We promised we would keep her home per her wishes but we can’t afford it she can’t afford it and we can’t afford nursing homes either. what do we do for the person stuck in the middle of the income bracket not poor enough and not rich enough.
https://portal.ct.gov/DSS/Health-And-Home-Care/Connecticut-Home-Care-Program-for-Elders/Connecticut-Home-Care-Program-for-Elders-CHCPE
I agree that you’ll need to consult an elder law professional familiar with your state program and how it interacts with Medicaid.
I am concerned that even if she qualifies for both, they still won’t cover 98 in home hours a week, but it seems likely that they would cover facility care.
Everyone wants to "age at home".
It's a very expensive thing to do and often not the best situation for the elder. Not much socialization and not enough eyes and hands for their care.
You need to see a Medicaid Planner or certified Elder Law attorney in her state. There are ways around the Medicaid income cap if mom is applying for Long Term Care Medicaid.
My mother did very well in a Nursing Home in Connecticut. Mom was private pay but they accepted Medicaid patients.