THE BIG MEDICAID SECRET NURSING HOMES WON'T TELL YOU
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- เผยแพร่เมื่อ 27 พ.ค. 2024
- There is a big secret about medicaid that nursing homes won't tell you because it results in less money in their pockets.
It is SO EASY to end up going broke in a nursing home, but there are a lot of different ways to protect your assets and those of your loved ones.
In this video Dana will take you through a common nursing home scenario that comes into our office ALL THE TIME.
Don't let it happen to you! Come to one of our free workshops to learn more and to get started on getting your ducks in a row!
www.vougaelderlaw.com/workshops-events
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Thank you so much! For me, unfortunately I'm learning all this too late. My 96yr old dad has was admitted to a long term nursing facility about 3 weeks ago. In applying for Medicaid I was just informed that he does not qualify because of a 8k insurance policy. I have to cash it out and pay the nursing home. My dad is dirt poor and this policy was all he had towards a decent burial. Medicaid does not care, if he's buried or not, they say that's my problem. So sad... He was living with me but, I couldn't physically give him the care he needs. My house is not set up for it either. Pray for us!
Can you have the insurance agent transfer that into a prepaid burial or a burial policy?
I was very fortunate that my 82 yr old daddy was willing to work w me( his oldest daughter and first successor of his trust).
We locked in a set price w the Cremation Society of Oklahoma, the balance left over to be paid from his estate.( no ridiculously high funeral ).
He is now 88 and he just moved into an Alzheimer’s unit.
I had the privilege of caring for daddy for the last 7 years, but at this level of his dementia he needs 24 hr care.
I am ready to visit daddy as his daughter, not full time caregiver ❤ 7:18
That's how these damm corporations have taken our wealth. Cut Bidem, Feds etc out of the people's money!
Howard's Cremation is only 800.00 dollars. USE THEM in Ar.
Wish I had seen this sooner. In Kansas, you are allowed to keep $2000. You are also allowed to have a prepaid irrevocable burial plan. You should have been able to use the life insurance funds to meet your dad’s needs. Did he need his own TV at the nursing home, or air mattress to prevent bedsores. If he is still able to drive he could use the funds to upgrade his vehicle. It is a sad state our country is in in caring for the elderly or disabled. God bless.
Here’s the big secret. Everything from homeownership, health and homeowner’s insurance and now I can add the end of life care is all about profits for companies and people do not matter except when it comes to their money.
Considering all the taxes we pay, this is something that should never happen to anyone. Amazing video, thank you for caring.
The Big Secret is to put your assets in a trust at least five years (I believe) prior to needing medicaid. And how do these places have the gall to charge a person EIGHT THOUSAND dollars a month for their lousy care? I'd like to see a cost breakdown on that.
is there a way i can do this? i dont hve anything but a small double wide on an acre lot. it has mine & my bryter half name on it. i know its not much but both of us want our son to hve it when that faithful day comes. he'll at least be better off than we were.
NURSING HOMES DO NOT SUPPLY COST BREAK DOWNS.
are you saying an irrevocable trust or a revocable trust - big difference
@@dianebarron8362 Medicaid trusts are irrevocable
Owners and administrators have to drive Mercedes so they have to charge the big bucks. Employees of nursing homes are among the lowest paid in any industry. Fast food places pay more.
Makes you wish to just go ahead and die rather than leave the burden on others. What they are doing to us is beyond criminal.
Yes I agree
I feel like that's what they want. I'm 61 & have Congestive Heart FaiIure, COPD, and a long list of other aiIments, and I'll be out on the streets homeIess in two days (not even with a car). At 5'10'', I weigh onIy 95Ibs, so there's no possible way I can protect myseIf out there. It's such a complex, complicated system in order to get ANY kind of heIp. You have to get a ''referral'' and then be taken to one of the sheIters. But most of them are filled. I'm terrified.
planning on it!
@@jennifersignsoflife1375
I hope you're okay. God Bless you ✝️🌷
It sure is!
I pray to God that I never have to go to a nursing home. I was in the health field for 20 year's and most of the younger generation not all of them but, most of them were horrible. Such a sad situation. I feel if you sign up for the position be ready to do it right. I pray for the world we live in today.
This is depressing. Our politicians really don’t care for us. People fight for one party but don[t realize they are both fleecing us
Yet, we’ll fight each other and burn down CVS’s or storm the Capital based on a conspiracy, when we should band together and storm the capital to end corruption!
Democrats became Republican-lite after blue collar white men defected en masse to the GOP under Reagan. They chose Fox News and the culture war over their own economic self-interest, this is the result.
So true
Agree
Really depressing
Basically you work your whole life, save and invest so that nursing companies can fleece you with substandard services. I think it would be a lot cheaper to remodel your house for accessibility and then hire people to take care of you, in your house. The only problem with this scenario is that you will need to coordinate with the kids if they even think of getting back some inheritance.
Your plan sounds good to me. I would add balance training , strength training, hydration and good nutrition. Walk a lot, carry your own groceries, keep your home free of tripping hazards. The less you do for yourself the weaker you become. I lost my 84 yo Mom last year, she was weak as a kitten because she didn't want to do her PT to get stronger. A fall and subsequent head injury made for a painful end. Nursing homes are awful places. After a week in one, you will wish that you stayed at home. I worked in one almost 40 years ago while in college. IT WAS HORRIBLE THEN. It is all about profits .... not about good care for the aged and vulnerable. When I decide it is time to got I will stop eating or more importantly stop drinking water. Peace.
“Hiring people” is far more expensive than a nursing home. I looked into keeping my dad at home when his Alzheimer’s got bad by hiring a nurses aide (an AIDE, not even a nurse) and they wanted $35 an hour. I would need 12 hours of help 7 days a week so I can sleep/eat/shower, and when I did the math I realized a nursing home was cheaper. Medicare does not pay for a nurses aide for Alzheimer’s or for any care for that matter which is absolutely unbelievable!
@@turquoise_sky It's not easy. The scenario that I put out is for people that can't qualify for medicare because of relative wealth in assets and funds. If I had no money, surely, I would opt for the nursing home paid partially or fully by medicare. I would have no choice, unless I pretend to rob a bank and end up in jail fed and sheltered. Another solution is to move all wealth into trusts, years before needing care, then apply with medicare to a nursing home.
@@turquoise_sky I wonder if you could hire someone to make lunch, do light housekeeping and be a companion who was not a nurses aide. Those agencies prices are so over inflated. Those Aides make very little money, and all they will do is be a companion. Better to find your own "cook, cleaner, companion." .Kinda like a Nanny for Grandpa. Perhaps someone in your social circle or church could recommend a housecleaner who would also be willing to do the other tasks as well. Also, a Nannycam would be a good idea. You could assess the quality of care quickly and often.
Exactly!
Wanted to like the video but the ending was as deceiving as the nursing home industry.
The Big Secret is; don’t call the ambulance. Everyone dies at home to save the home.
You are right.. that is why a lot of people die at home.
what if you are in GREAT PAIN at home and covered in feces@@aquilaclark814
Really?
Health and elder care is competely broken in the US.
Exactly!!!
I know right. My 83 year old uncle and aunt are in a tuff situation they don’t have kids and we are all busy with working and and stuff and really can’t afford to take care of them. And we tired for home health but they say his check is too much and doesn’t qualify for it. And he needs it he constantly falls and can’t walk and my aunt can’t lift up on him and they really have no one to help. And she doesn’t want to put him into a nursing home and I don’t either. I don’t know what to do at this point the social workers want him a home but we don’t want to throw him away.
Except at Coronado in San Antonio Texas. This is a huge rehab/nursing home. Carpet in the hall ways so that what rolls by doesn't make noise. No one yelling from their rooms needing help because there are plenty of staff. The social worker was weird. He seemed to be angry and other times he laughed, but I am not sure it was a genuine laugh. Otherwise I know that because now I am in a nursing home that is loud with yelling people needing service. Their floors are laminate, so all rolling trashcans are heard.
I was previously living in an RV where it was very quiet. All this yelling is super interesting. One man almost constantly yelled if left in his bed too long. Sometimes they would leave him in his bed all day long so that he yelled a whole lot more all night long. It is amazing that the workers can ignore him. I told them that they were being disrespectful to him AND me and everyone else that had to listen to him yell. Then they started asking him what he was yelling about. They told him to be quiet. Sometimes they shut the door on him. he couldn't walk and once fell out of his bed and bruised the side of his head. That bruise is still there from 2 weeks ago. The rules say that people living in nursing homes can go for a meal anytime they want. He should have been helped into his wheelchair. Read the resident rules they post on the walls. Start speaking back to these workers.
When the business manager thought it okay to be angry at me, I asked her if she rather I leave. Then she started calling me sweetheart. Schizophrenia at the top.
Bernie Sanders wanted to fix U.S. health and elder care. He wanted to make U.S. health and elder care like that in Scandinavia but U.S. voters called him a communist. Scandinavia is socialist, not communist. And Bernie is a socialist, not communist.
@@jeffweed3947 Democratic socialism is communism. Study more.
I am a RN who was fired for being a whistleblower. Diversicare had PPE locked up.
Ppe ?
@@sirbey9608 PPE = Personally Protective Equipment
So sorry, these kinds of things should never happen but it does expose the bad guys, hope you find a good job elsewhere 👍
I work with nurses and aids who should all be in prison for crimes against humanity. They keep their jobs no problem. Its people who report the abuse and theft are the losing their jobs. God bless and keep you.
So did MAJOR hospitals in this region! During the Ebola scare, my 400+ bed hospital, near us, had ONE appropriate suit! ONE!
During Covid, we were told to save our masks by puting them in & out of a paper lunch bag!!! Impossible to not contaminate!
Masks, especially the appropriate N-95's, were locked up, & doled out "as needed." CDC suggestions of how to don & doff gloves & gowns would ABSOLUTELY cause contamination! My faith in CDC was destroyed.
Doctors Without Borders are the ONLY true & dedicated authority.
Please support them.
I think I'm going to take up bridge jumping before I ever go into a nursing home!
😆I worked in Nursing Home they all have dementia and forgets this jumping idea 😆
😂
I'm 50 and living in a nursing home and have all my mental faculties. I'm sure you did work in a nursing home. It seems they hire the people with the least amount of compassion to work in these places. I don't see how you can live with yourself! There's nothing funny about dimentia! You should be ashamed of yourself!
@@stanphillips7277 These places are a stain on the earth. I just started working at a nursing home as a CNA, and my co-workers are horrible. They talk crap about the residents and resident's family. They cause the residents unnecessary pain when it could be avoided. They taunt and baby talk the residents. They don't flip bed bound residents at all, and the images of the terrible, open wounds that I've seen are haunting me. I can't sleep because it's so disturbing. I've spent my breaks crying. I can't stand the way people are treated in these places. When I walk through the facility doors, it feels like I'm walking through a portal to hell.
@@rebekahhobbs9605 I wish they're were more like you in this fascility. I'm a 50 year old man and I've lived in 2 sperate nursing homes now. The only thing that's important to the majority of people who work in these places is how things look when ACHA shows up to inspect them.
Anytime I've seen nursing homes depicted on TV or in movies the patients have private rooms and are treated with dignity. Or it's the opposite and they're treated terribly for the sake of the plot and then there's some redemption.
I took care of my mom for about 15 years on my own, even after I was diagnosed with emphasema. Her worst fear was winding up in a nursing home but , with me she had no fear because she knew I'd never let that happen. I wouldn't even let her stay in a good hospital without sleeping in a chair in her room so although it hurt more than I can say when she passed away, lately I take some comfort in thinking that if she were still alive when I broke my back (it had hurt for years and I wore a brace but one day I awakened to find I couldn't stand up. )
I couldn't agree with you more of course. The ones in south Florida that aren't privately owned. The ones paid for by Medicaid really are horrible places to spend your final days.
I try to stay as positive as I can but , it's of course very difficult. It's no life. They want to spend the least amount on each patient as possible so they're always so short staffed it's not possible to get the attention paid to any single resident for it to be anything resembling quality.
I've been here 9 months and I'm "Alert" which is why I'm not dead or sicker than I should be.
My pain medicine constipated me (for example) so I'm supposed to have a salad and prune juice plus I take Myralax powder once a day. Suppositories as well.
The trays I've been getting from the kitchen are not only very low quality, white wonder type bread, lots of white rice and beans, the menus say chocolate cake and instead I receive applesauce.
Chocolate chip cookies and I get mixed fruit.
The portions are pitifully small anyway. I'm 6 feet tall and I'm down to 90 lbs. ! Possibly less. 2 TV's in 1 room makes it difficult to relax if you long for peace and quiet.
Just now my roommates light wax turned out and his TV's off. I'm going to do tonight what I do each night and stay up until 6:30 am just so I can have the peace I don't get during the day.
This of course means I never get 8 hrs sleep in a row. I'm awakened at least 3 times a day to take my medicines and I try to go straight back. I cover my eyes with a bandana 😂
The place I was previous to this was worse in some respects. The little girls so proud to have become CNAs or nurses talked to each other and shopped online, even slept while I waited for assistance or pain medication. There the call light meant to get there attention lit up but made no sound so if they weren't looking they'd never know you needed them.
Here it works but I end up calling the receptionist who transfers me to the nurses station and I get voicemail. I call again and if I'm lucky they'll contact the supervisor and I'll get some attention.
My advantage is that I'm under Hospice Care. I've had my Myralax, suppositories, and other medications run out often. Each day I've been told it's been ordered until I finally realize nothing is going to happen. I call hospice and since I have a nurse, social worker, Chaplin, an entire team devoted to my care they take care of it.
I've had occasions where if I hadn't been "Alert" I'd have taken someone else's medication or not taken my own.
I'm sure you're aware that ones either "Alert" or not.
So much of the frustration comes from the baby talk you refered to.
I have bad lungs and a bad back and under Hospice Care no physical therapy so I've lost my ability to walk. I'm still filled with the wisdom I gained taking care of my mom for all of those years and I know I'm (I'll try to put this as humbly as possible) far more intelligent than these young CNAs and nurses but they have authority over me. They control when I can have a bowel movement! When I can have water. Everything is cheap from the toothbrushes and razors, to the meals and of course the amount of money they're willing to spend on staff. I'm just 214B.
Just another one of too many patients per CNA/Nurse.
I have been waiting for what's called a "personal needs allowance" for the 10 months I've been here and first mistakes were made in the paperwork and it was resent.
Another 3 months passed and the business office woman said (while on speaker phone) "just be patient" but I've lost my patience and I know something is wrong because I received it after just a couple of months in the previous fascility.
I called social security, Medicaid, and finally the Department of Children and Families for the state of Florida.
I was told my account "was a mess and someone was going to have to complete and return a document that would fix it. "
So that was on the 21st, I received it 2 days later and the administrator, 2 from the business office and a social worker held a meeting in my room (4 hrs later than I was told of course) and it's been sent.
The woman in the business office said "I've never had a case like this" .
I can't even afford a basic Netflix subscription. I pay $7 per month for this tablet I'm using, 6 to Amazon because that account has a Medicaid discount but it's a process so I want to keep it, and the bank takes $12 per month.
I'm receiving $30.00 of my $740.00 disability check because the facility keeps the rest but it's difficult to get a small packet of mustard for the tiny ham and cheese on white bread they send me along with a salad along with the small meals such as a boiled egg, and half a piece of toast.
I'm sorry to be ranting and raving but very few people can truly understand my situation. I read "a stain on the earth" and that you cried on your break and it resonated with me.
Truer and more accurate words have never been spoken.
The administrator during the meeting said "You're going to get a thousand dollars when you're check arrives, maybe you'll loan me some" jokingly.
These people are making a fortune and it's their mistake causing me to be going without any of the creature comforts I've got left.
I used to order online and have things like peanut butter and snacks and drinks. I could afford to have services like Netflix but now being as my Mom was my only family and the friends I did have are now far away from me. I've got 1 friend who's like a brother to me but I can only muster the strength to ask him for very much. He came and helped me with a couple of things a few weeks ago and I'll soon need to call him. Rubbing alcohol to sanitize my hands! It's essential things like these. Plus I'm in bed so I can't even watch a movie and forget the way I could before I went broke. Nobody apologized for the error, so now I wait. It's a personal needs allowance, not wants but needs you know?
I don't care very much about money but it's the food here and the loneliness and boredom. .
I do apologize for running so long but it did me good to talk about it. I know I'm all over the place 😂 , stream of consciousness and I do hope you can make a difference in the lives you touch. The CNAs are more in touch with the residents than anyone. I'm sure anyone who is assigned to you is very fortunate. God bless you, you're crying because you're not like the others. You have sympathy and you're shocked at the level of care you're witnessing.
I became close enough to a CNA at my previous fascility that when she retired she brought me out of there and home with her. She had 35 years of experience and still cried over the very same things you describe. She got sick so I had to come here but if I'm ever able to walk again I can move back in with her. There's no reason I can't with physical therapy. I'm hospice so I can't get any unless I sign out which is out of the question. .
I've taken up enough of your time but I really mean this.
God bless you for being a good human being and I'm sure you're in a position to change the quality of people's lives. God bless you in your efforts and please try and never become like the others. Never change who you are or allow what you do to get inside your head enough to cause you to suffer. God bless you for carin, I'll pray for you Rebekah 🙏
I had to fight a nursing home in probate court that illegally held my mother for the insurance money. I'm writing a graphic memoir and it starts with this story. I used my health and fitness knowledge to stop my mother with mild dementia from forgetting me, and it worked. I tricked her off caffeine, then no prescription meds, forced her/tricked her/incentivized her to drink water, kept her away from high fructose corn syrup and other poison, because they made her mean and delusional, and kept her away from gluten.
Good for you. I've had stage 4 cancer twice. I've also taken care of my own aged parents the last three years of their lives. People have NO CLUE how much some of these things effect elderly....actually, effect us ALL! Good for you girl! You sound like me...major proactive caring for my folks. Wish I had kids now that I am getting close to their age because these institutions are horrendous and it was a full time job just trying to "protect" my parents from this kind of stuff the last 3 years of their lives. P.S. I am using my roommate computer. So, it's a woman writing this - not a man.
That is awesome you were able to do that, please share on how you did that to help your mom. Right now our mother has dementia and it is so difficult to get her to even take her meds, bathe, eat right. Everyday it’s a battle. She is mean mean mean and gets very angry at times. We were looking into placing her into a nursing home so they can help her but after this video I’m not so sure if that’s the right thing to do at least for now.
@@donnaindigo I definitely do not recommend a nursing home. They are only going to make her deteriorate faster, and I'm questioning all prescription meds. Statins cause memory loss and the anti-psychotics cause them to be psychotic and mean. When I got my mother off all meds, it made a huge difference. Keep finding a doctor that will do what you want. They have to give you informed consent. My mother hated taking the meds too, so it makes me wonder, that they inherently know that they are hurting them.
if your loved one are in this situation, have them put the family in a type of a living trust, talk to a attorney, he will explain the different ones that are available that will suit your needs... they can't go after shit when you do that. do that before they are needing to go into a facility. I work with the elderly, a family member did this to protect their assets, the nursing facility or the government couldn't touch her home.
@@jeanpeters3499 It's been my experience, that it doesn't matter if you have the correct legal documents, anybody can sue if they find a disreputable attorney, and this happened several times to me. This nursing home illegally fought me in court to hold my mother against her and my will. I was persistent and won, but if I wasn't persistent, they would have taken advantage and the last years of my mother's life would have been devastatingly cruel.
Another thing the nursing home won’t do is tell you how much it will cost per month until you give them all of your financial information.
Hmmmm, car sales just came to my mind.
I hung up on every nursing home administrator/ salesperson who asked me if my mother owned her own home and/ or what her monthly pension was
You only need give parents info
The summation: get a home health aid, remove all valuables & keep contact with the situation, avoid placing elderly in “homes”
"A" home health aide? If your person is nursing home status you'd better think in terms of having 3 home health aides (at least) & hope you can manage their schedules to keep someone there all the time. It's a pretty big job in itself to keep help in place when someone is staying in their home as opposed to being moved to a nursing home. Sure, it's preferable but no where near as simple/easy as you are making it sound.
Good idea. Yet, you still have to pay the home health aide, which is less, and 24 hr care if needed. Its better to change the laws and stop the robbery of widows resulting is poverty. Laws should be better. This is greed on a government level.
Arnold..is that you? Bkitty
@@knitordi Yes, and no. Medicare does not pay for custodial care. Period. Medicaid is a seperate program, it is health care for indigents. So Medicaid will pay for custodial care IF and WHEN you are broke. Don't like the truth? Have your representatives change the law.
And be careful not to let caregivers spend the night ( except once or twice if emergency: otherwise they may become you grandkids squatters)
I like that she simplified this matter and gave an example.
It's not her fault that our government sucks.
Another viewpoint is- Why should I as a taxpayer pay for your parent, so you can get the inheritance?
Yes it does and she didn't give out any info besides call us and pay us. These people have worked all their lives and idiots say things like why should I as a tax payer pay for their care. After all these older people have paid for and gave the state.
@@SandfordSmythe You hit the nail on the head with that comment.
@mikebgoog, Our government is providing a safety net so you don’t necessarily need to sell your home and transfer your wealth to a nursing home. But if you don’t want or need that safety net, you’re quite welcome to live in your family home. If you’re aware of some government jurisdiction (foreign or domestic) where you can keep your assets AND be a ward of the State, please enlighten us all.
@Greg O irrevocable trust will work
The cost of nursing homes is ridiculous.
To solve this problem, in the future, The Department of Health and Human Services should set up an insurance program similar to Medicare and Social Security. Everyone working would automatically pay into a Long Term Care program on a monthly basis their entire working life. If and when they would need long term care it will be there without having to be paid out of pocket and bankrupting them. You would think the politicians would have figured this out by now.
Yes! The best idea I've heard yet.
There actually was legislation to make this happen, but it got killed. I can't recall all of the details, but it wasn't that long ago. It makes me so mad that we don't have this available.
@@elonas9487 Probably the political class can't get their cut of it so it doesn't interest them. They've already drained the Social Security Fund and Medicare Fund of everything. SS and Medicare are now paid out of the general funds which means they come off a printing press.
They can't figure out how to siphon money out of Medicare for their own pockets that way
Too expensive and will anger tax payers.And forget the troll comments about money being stolen from SS.
This is hands down the best description of the Medicaid spend-down I have ever seen. As America "ages," more of us will be in this situation. Very sobering. Long-term Care insurance is not always the answer either. And remember the Medicaid 5-year look-back. Another big shock: Most adults do not realize that Medicare (as opposed to Medicaid) does not cover long-term care. Seriously, there is no real solution beyond either (1) saving like crazy and paying for care yourself, or (2) being broke already. This video was superb - thank you for explaining!
Agreed, very well described. Why did I pay cash for everything and save like crazy my while life. I should have listened when they told me to DIE BROKE, make your last check bounce.
You should watch Paul Rabalsis’ videos. He is an estate lawyer and he lays it all out very precisely. He has a different video on each topic.
William Breeden
Well Sir there is another way. It's the same way you purchase life insurance. You can also purchase long term care insurance. The trick with both of these is to get these insurances when you are relatively young. It is a very strange thing indeed that we are forced by the state to purchase home insurance and vehicle insurance but not life insurance and long term care insurance. There should be a package deal when you begin working that would follow you from job to job. It would consist of Social Security, Medicare, Life Insurance, and Long Term Care Insurance. A single payment per month and mandatory. But, we don't have any government employees that have a clue so it will never happen.
@@FlaThunderstorm A friend and her husband paid into long-term care for years - a lot of money $600/month for both. He died within a week of being placed into a care facility. No long-term insurance payback for them. Had a lawyer once tell us never buy long-term care insurance. It usually kicks in six months after being placed for care and when most people are placed in long-term care, they might have only six months to live. If you're lucky you might live longer, but I wouldn't count on it. I understand the new hybrid policies are very expensive. Not sure if that what my friends had.
CALIFORNIA look back period is 30 months; NOT 5 years. Perhaps other states are less also. But most states are full 60 months
NURSING HOMES KILLED MY MOTHER AND A DEAR FRIEND...CRIMINALLY NEGLIGENT HOMICIDE...BUT LAWYERS WON'T TOUCH THESE CASES...ELDERLY RECIEVE LITTLE COMENSATION IN COURT...TAKE CARE OF YOUR PARENTS !...DON'T WAREHOUSE THEM IN THESE"ELEPHANT GRAVEYARDS" IF AT ALL POSSIBLE.
I am currently residing in a nursing home in Wilmington Delaware called the Coral Springs Nursing facility. I've been here for a year. I was made long term after a bad stroke from having a serious case of COVID. This place is just wrong. Had hardly any therapy, the food is beyond terrible and the employee turn over rate is unreal. I'm getting thrown out on March 31 st because I only have Medicaid right now. I have no where to go. I'm open to any Advice... Update! I'm out of that place and now I'm living a Great life in Southwest Florida. Thank you for the prayers. They worked!!!!
🙏🙏🙏🙏🙏🙏
Praise the lord. 😊
Thank you Lord 🙏
Such clickbait. Turns out the nursing homes aren't the only ones that won't tell you the big secret.
Agree. The tease clearly indicates there's a "secret" within the video, but it's a bait-and-switch.
The people who work in nursing homes don’t get paid a lot to care for patients,the homes are short of employees.
no excuse
Life in nursing homes is awful. We've had several family members go that path and it is just sad.. Life is done at that point so take an exit when you get to that point.
I have my mom at home. It’d sure be nice to have her in care. Why did you put yours in? And how? Take an exit? Kill yourself or them? What does that mean?
Take an exit ? You are sick.
After working as a cna in nursing homes for most of my life, I have decided that, if it comes down to it, I will donate all I have to charity and take the legal exit. The idea of giving thousands of my hard earned money to nursing home corporations makes me want to throw up: the service is not worth what they charge, nor is it what it should be. It was not always like this, things have really gotten bad in the last few years because of investors.
Better to just run across the freeway in front of a Mac truck if you dont have a couple million bucks when you turn 85.
I’m worried about my grandparents and I’m so glad you made this video.
How ironic the state keeps track of everything they spend on you, how about we keep track of all of our money that they spend?.
It’s public info- if you look.
So Wanda gets to die alone in the gutter cuz she just sold her house and she didn't get anything bc the federal government took it all for what her husband owed. How effing sad!
Wrong on the SS income! Wanda automatically gets 50% of Harry’s SS if it is higher than her own SS. So she is going to be receiving $1K and not $800.
The $2000 a month was not all SS part of it was retirement income.
Even so, they are going to try and take every penny. They don't care if she has to move to a seedy area of town where she can be a victim just to be able to eat and have shelter.
Don't wast your time watching to the end...It's just a big AD. What a bunch of jerks!
P.S. Consult an Elderly Law Attorney how to conserve your assets.
Nice click bait title.
Exactly my thought....
But there are alternatives like LTC insurance, Irrevocable trusts etc... look into that
Thank you so much! A great video and very helpful!
I had a sister who was mentally disabled, in the 50 years she was on social security disability, she incurred $137,000 dollars in benefits she used including medicaid with title-19. When she died recently at the age of 67 years old, immediately they went after her Bank account after she died. My sister had no other assets other then $2,200 dollars in the Bank. The Wisconsin Estate Recovery Program is taking virtually all the money and leaving me with only 2% of her bank account which is $44 dollars after their cut. What bothers me is I'd like to know who the politician was who proposed and passed that law? I would give him an earful for that STUPID LAW he passed. Luckily my sister didn't have no life insurance because the Wisconsin Estate recovery program would have taken that away too! Its a matter of principal, I feel as if they insulted me? They gave me their condolences for me losing my sister then proceed to explain to me they are recovering all their money for the services over the years to her. So the money is recovered and passed onto someone else for their care! What a STUPID CONCEPT! Its like taking money from Peter to pay Paul, then take Paul's money to pay for Mary's care after Paul dies. Remember Medicaid and Medicare is NOT as free as you think!! When you die, your assets pay for someone else's care. The only way you keep your assets is to put it in a trust for 5 years to keep it out of their hands.
Well said. The government loves the poor and elderly as they're so easy to take advantage of. They also love the super rich and corporations to not pay any taxes. If those in power actually had to live like their constituents everything be different, but they don't and they keep getting voted back into office by the same people who they are screwing over.
She was on disability for 50 years and accrued that wealth through the program and your upset they took it back? That money can be used for the next person who gets disability for the majority of their lifes.life's.. or do you think everyone else should have to keep footing the bill while you go on a vacation to the Bahamas on that money? Your 40 dollars is 40 more than the tax payer will ever be reimbursed for their support. I don't mean to sound like I don't care about your loss because I do. It sucks loosing the people we care about. you have to realize it's about being able to pay the never ending cost for care that is always increasing. At the current rate those 30 and under won't even get the full amount of social security they pay into until they no longer can work. We might not even get help when we are to old to vare for our selfs.
@@im-that-guy-pal Easy for you to say that! Im sure if you were on the receiving end like I was? You wouldn't be saying that! I ended up paying for her creamation.
@@johnparker408
You are kind of disgusting
Everybody else paid for the wellbeing of your sister (you did not) and you want to keep the money?
Shame!
@@johnparker408so you think the state should pay for cremation and/or funeral burial costs too? I’m asking honestly, why and for what?
At age 50 put the house and any assets into a trusted child’s name.
That’s the problem …you can’t really trust your kids either… be very careful on that one.🤔
Wonderful presentation! Thank you, this will help my special needs brother who has gone manic after having seizures. It is all heartbreaking.
$8,000/mo is cheap compared to what most skilled care homes charge. We were paying over $135,000/year for mom’s care in a non-profit nursing home until all her assets were depleted. The costs are outrageous, just like so many of the misinformed comments to this video. She speaks the truth. The $6,000 we spent on an experienced elder care attorney for mom’s planning was money well spent. We saved many times that amount by implementing his recommended plans, much of which was accomplished less than 5 years before she applied for Medicaid.
Well that's 7 minutes of my life I'll never get back.
$50 personal allowance? Since when? Last I heard it was $30. Is that amount contingent on the state?
my dad went into assisted living after a massive stroke, it was around 4 grand a month, a very nice place but after his death i asked my sister, who was his power of attorney, if he had any estate or monies for us, she said the place bled him dry..now i see how.
My sister was on medicaid. She could not breath If she layed down so she could only sleep inn a recliner. The nursing home said Medicaid rooms didn’t get recliners and made her sit for 2 nights in a guest chair until I called stated investigators in. She died the day they brought the chair in.
big secret is that this is just an advertisment. thanks.
Save your time, it's an ad and you find out nothing.
Exactly
Now I know why The Who sang "Hope I die before I get old" Hope I do.
Mom passed away 5- years ago… and Dad tried to doing the good fight- keeping up with his house from cutting a acre of grass to the upkeep on the house. It became too much, and decided to move in with my wife and I.
He decided upon moving in with me 3- years ago, to have joint banking accounts with him (him and I only).
Is this a safety net… as legally it is all mine, as much as it is his.
Does Medicaid acknowledge this fact, and therefore his banking is non- applicable to their rules.
These places are so disgusting! I'm in a battle with one right now for there double dipping tactics
Welcome to health care in America. What a shit hole system. While all state and government workers, tax paid by us get health care
I'm 36 and I take care of my 86 year old Gramma. She had such a mouth and lies being cognitively aware, that she gets mad at me for trying to explain why she can't go into one of these and do that. She is so used to me or my doing everything, without here having ever driven,. She doesn't understand I haven't even found many other grandkids caring for grandparents. I'm to the point of caregiver burnout and she doesn't understand
Still might have dementia. Anger and repeat explanations are a give away. Might not show up in tests yet. I know it’s extremely hard. Try, instead of explaining why you cannot do things, say instead, I am doing the best I can to be here for you because I love you, please try to understand that. Keep that same response everytime she challenges you. You’re a good grandson. ❤️
how are you holding up?
I ended up being the one having to take care of my the other kids were completely completely out the picture they only care about inheritance. it's very tolling I know. she recently passed weeks ago
Thank you this was very informative
Lots of people do not know theres insurance to cover this exact scenario. Its called long term care.
Never cash out your life insurance & if you're worried about your home being taken away because you have life insurance, just asign someone else as the payor. There's so much to learn in life insurance.
I made a comment just a few days ago, on 2/08/2023, but apparently it was deleted. My question has to do with the elderly who aren't vet, can no longer live alone, but have ZERO assets aside from their meager monthly SS check. Soon, we're going to see millions of 'baby boomers' in this category. What will THESE people do? Where will they live when they have NO money for attorney fees? There 'certainly' aren't enough facilities in the U.S. to take care of these people, whose numbers will increase annually.
They should be eligible for Medicaid to pay if they are qualified for nursing home care
Thank you!
Well done thanks
I'm not sure what state you're in, but in Penna, if property is owned as tenants by entirety or joint tenants with rights of survivorship, the state will not put a lien on the property. It goes to the surviving spouse. The state will only make a claim of the probate assets of the estate for repayment of the Medicaid.
WHAT NURSING HOME ONLY CHARGES 8k /month ? Nursing homes here in Phoenix AZ. run at minimum 40K plus, memory care facilities tag on another 10k to 20K. I wish I could find a nursing home that only charges 8 k to 10k. Right now I’m fighting with Arizona Medicaid Long Term Care to get my wife help, because she has Advanced Parkinson’s and was just diagnosed with mild to moderate Altsheimers.
Yes, I've been there. I know what you're dealing with. Most of those homes are run by large for-profit corporations that milk every penny from the poorest people and then bill the state for the rest. Animal shelters are better at taking care of the dogs/cats than these nasty places are for people. If child care centers were this horrid people who be rioting, but it's old people so who cares. OMG OMG.
Any nursing home that takes Medicaid is not a good nursing home. My sister was in one for 3 years and it cost $11,000/mon and she paid $1885 which was her entire income minus $40. The difference was paid by the state to the nursing home each month. The quality of care is inconsistent, lousy food, high staff turnover (it is a tough job). Fortunately, both myself and another person are her advocate and we are constantly on the phone with them insisting they do things. Certain staff members would lie and say they changed her soiled sheets but they did not. The managers believe their staff over a resident.
Can you move to a state that has more affordable accommodations? This whole situation is so incredibly depressing!!
I’m going through this with my mom right now and I had no idea and I am utterly disgusted!! my mother worked her entire life. She had four children and she did it all on her own!! Her house is paid off and the nursing home is going to take it now because she didn’t know she was supposed to put anything in a trust makes me not wanna get old I wanna go before I get old!
This way leaves them both in destitute and then pay more to find out how not to be taken advantage of makes no sense 🙃
Thank you for the very informative content. I was not aware Medicaid operated that way
Scaring people into her office. Very professional
Sooo, the best thing a young person could ever do is : NEVER go to work at all, on your 18 th birthday have your 19 yr. old pregnant sister take you to the welfare department and sign up on ebt, medicaid lieap ect. This was an excellent video, Thank You !
😂😂😂😂😂😂😂😂
Right, how much tax payer money does welfare queens burn through ?
Based on this reality we are creating a nursery Home in Ecuador. For only 2400$ per month including organic and fresh food, nurses 24h taking care, one resident doctor doing monthly checks, psychological care, laundry, and also open spaces surrounded by nature
What is the name of this , I LOVE this concept.
How you could stay a years if you do not have permanent living visa?
@@lisaveta8565 good question. People can ask for permanent visas or just asylum based on age. Ecuador have the rigth to migration in their constitution. This kind of process are not so difficult.
Of course everyone must complies with law and are several options to do it.
Wow, great talk. You helped me understand. So either you must be very poor (and goodness knows their care can be lacking); or, you are wealthier and can access pros who advise clients who ultimately have much better care.
She is very knowledgeable and detailed. Like the way she broke everything down and explained it all.
It should be A law
Stealing from the elderly saving
Well, I'll never get married or have kids so I don't have to worry about all that nonsense and I will die before going to a nursing home.
I think like that too. I hope I'm that lucky.
better start early. they can go back to see if you dumped assets for a few yrs. Did you sell or giveaway any assets in the last 36 mos?
Its infuriating our government would treat Americans this way! I hate "The System"!
My mom was charge nurse i went to work for her. Now my mom is gone i have md and arthritis. Never thought id need nursing home
When i talk to places they talk of an annuities and reverse mortgage. I am so without help.
Our house is in trust for our children. My husband got medicaid right away.
Smartest thing you could have done
Way to stick it to the taxpayer.
@@kennykuhns9843 We are tax payers.
So you deliberately impoverished yourself so that someone else (the rest of us taxpayers) will be on the hook to pay for your care for the rest of your life. Have you been reading the posts from people who are living in the places like you will be going to? They take all of your social security and other income then maybe give you $30 per month to buy your personal items like toothpaste and diapers. Seems like a truly horrible way to spend your final years.
@@kennykuhns9843 It would cost the tax payer millions more if I had to go to a care home.
It costs less than $8,000/month to hire home health aides!!!
So what do they take if you are single, no kids and rent an apartment?
At 45 I bought long term insurance. Never know what’s going to happen to your health. Low premiums. I’m 71 and pay $97.00 a month. I’m a caregiver so I see what can happen..family has their own problems to deal with. Hospice is wonderful if you have a disease that’s non curable. Medicaid is by state. Check it out. Mercy care also. Other options always.
Cheryl Campbell
Smart girl.
Cheryl Campbell
At $97 per month you have already paid out nearly $31,000. If you went into a nursing home now and lived for 3 years in the nursing home you would not be ahead until you entered your 4th year in the nursing. Of course if you lived 10 years or more you would be ahead financially. Just making a mathematical point which probably has not relevance considering with the long term care insurance all of your assets are protected from confiscation by the government. It's still a very good deal as far as I'm concerned.
@@FlaThunderstorm And good luck finding a nursing home for $10,000/month - those are the bad ones with high staff turnover and neglect.
I hear that hospice is now being care reduced for profits, as well.
You are the best
Thank you
Because of the greed this is what causes people to divorce their spouses.
Time to go pitchforks mold
The big secret, she doesn’t reveal a big secret. I found that relatively unfair that she didn’t state anything of substance at the end. The video was helpful though.
Lol for everyone trying to know. Basically before your loved ones going into nursing home make sure they set up a trust at least 5 yrs prior.
I had my husband in a nursing home for 4 months Medicaid paid for it and they do not take away social security , I received all those months his social security
There are different rules for married people - Spousal Impoverishment Act
Medicaid recipients can apply for QMB that helps pay for some of these expenses. There are also Medicaid waivers for the nursing homes.
what is QMB?
@@margaretgarcia-mw6kw they might have you put his money into a Miller Trust fund account. My advice is if at all possible get a decent lawyer and or advocate for this. Most nursing homes have a Medicaid Manager over the facility who in essence becomes the patient's/client's authorized representative like a p.o.a. I'm not sure what state you live in but you can start with a Division of Family Resources like Family Social Services Administration. It can get to be a lot. But ask questions and KEEP asking or getting the answers you can!!!!
@@margaretgarcia-mw6kw QMB is a Qualified Medicaid Beneficiary.
Good info to start, but you never get to the Big Secret. You’re out to cash in through this crooked system, too.
My sister in law needs to be put into a nursing home soon . I know that's costly but worth it !!!!
Is it worth it if it comes out of your bank account?
I have another option: move your loved one into a long term care facility abroad. Have them live the ex-pat life they deserve in a place that will take better care of them, provide them with round the clock care, and quality medical care all at an affordable price. Many of these countries, the dollar is still strong enough that the $8k a month some of these crap-hole agencies charge for leaving your loved one in a room, alone, eating pre-packaged meals...will easily cover about 6 months in a nice tropical facility with fresh, nutritious food that would put most all-inclusive resorts to shame.
No need to spend down your life savings, or worse, lose your family home to pay for sub-par care and government graft.
My husband's mother has been placed in a nursing home bc all her children are retired seniors who have health problems due to age and living on social security. The mother has Medicaid and receives some extra assistance. I believe its ssi...Will the state hold the son responsible for costs incurred by the nursing home?
Lucy Savery
Only her Husband, if he is still alive, would be responsible as Medicaid takes into consideration both spouses income and assets when making a determination of benefits. No other relatives are held responsible for her Medicaid bills nursing home or otherwise. There could be a scenario wherein her assets are held jointly with relatives. However, that is something that an experienced Medicaid specialist would have to discuss.
Maybe if he deliberately ruins a Medicaid application, he can be sued by the nursing home.
Thank u
Nursing homes do Medicaid applications and decisions in what states??
No mention of appealing the Attribution amount to address the shortfall in Wanda's income, i.e. set aside more for Wanda from the beginning, reducing the "spenddown"??
Awesome commercial though, using free TH-cam instead of paying to advertise for scared and elderly clients.
?
New York, for one
I hear those crooks can even go after the estate's property, if the person in their "care" passes away and there is unpaid medicaid bills (lodging, medicine, nurses, etc.,) Just major crooks.
Medicaid does pay for dental... In CO at least
Am I deaf or did I just hear that ALL the money that Medicaid pays towards my long-term care gets placed as a lien on my house?
Yes.
Nursing home, we'll steal all your money before you get to the pearyl gate in the name of the great mammon.
Paying a fee for service.
The secret is put your assets and home in an irrevocable trust at least 5 years before expected nursing home care is needed.
That no longer works, you may want to check into the new laws.
Correct! Transfer your assets: home/stocks/properties/etc into an irrevocable trust a minimum of five years (60 months) before applying for Medicaid.
@@cocospots But don't you loose all access to it all, including income from IRA or rental property?
@@cocospots Do you know where I can look the new laws up?
It would be cheaper to have a live in nurse at your home take care of your husband! Nurseing homes are a Scam!
All about life savings and property seizure from the nursing homes.
Wrong! Medicaid (the govt) forces you to spend your assets on custodial care until you are broke, not a nursing home.
Is there a company in Texas that will help us get my husbands elderly mother on medicaid?
Can the Government only go after property owned in USA
worked as a cna 8yrs. nursing homes are about making money. period. if your lucky you may find a few nurses /cna that genuinely care. adon up to administrator are about the money
I heard some coupled get a paper divorce that exonerates a spouse from financial responsibility should other spouse need to apply for medicaid.. anyone have any experience with this?
Great idea.
I have heard this. I am unsure if this would stop the wolves; but, it is worth looking at.
The math teacher and the BIG secret... is a commercial to call her office!
No place I've ever worked at offered Long Term Care insurance but I tried to get it at age 50 from a private LTC company that my State recommended to citizens and they rejected me because I had had a sprained rotator cuff in my 40s. Seriously. What a joke.
Good Stuff. You neglected to mention Medicare and some of the things that either a Medicare Advantage or Med Sup plan would cover.
Also, a good Medicare centered insurance agent should have brought up affordable ancillary products that could have deferred some of the costs.
One of those, if caught early enough would have been to tranfer the cash value of the life insurance policy into a life policy that has LTC benefits.
All very true but it requires that you do these things when you're younger (like 50-60 max). And those LTC riders on life insurance policies are $$ too the older you get - if you can even qualify. Medicare only covers interim nursing home care such as coming out of a hospital for recovery purposes. And then it's only 60-90 days max.
@@NYCisland I bought both life and LTC insurance 15 years ago at 48. Best decision ever, after selling the money-pit water-front property and using the proceeds to rent in a luxury high-rise, instead.
Lord have mercy. How sad 😢