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