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My FIL is in a Washington State care home. He has dementia. He has spent down all his assets but his allowance for Medicaid is $5200 but since he gets $5500 from a pension he apparently can only afford a $5500 place. I thought the $5200 would add to his $5500 but I guess that isn't how Medicaid works. It seems to be either/or. His NH says he has increased care needs and wants to charge $10k or more/month. What happens if he can't afford it? which he can't. We can't afford it either and we can't care for him at home. We are a little panicked that he'll either be out on the street or we will be forced to pay. Any suggestions?

Find Care & Housing
Please see an attorney about this. Your father is "asset poor and monthly income rich" so he is going to have to have an attorney write up a Miller Trust or a Q.I.T. document for him so that a portion of his income (likely his SS) will go into that Trust (for which the state will be the beneficiary) and the rest of his income to a facility. along with Medicaid, to pay his monthly costs.

This is complicated. An attorney can explain option and how this is done.
Good luck.
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