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My folks have been in assisted living for a couple years, fully arranged by my sisters (without my knowledge) who thought the best way to get them in a care facility was to tell mom that one daughter would "buy" their home (which they owed $110K on). So they agreed and mom with a hx of a stroke 23yrs ago and Dad w/ dementia were for sure not safe at home. My parents bring in just over 8K/mo which seems like a lot but w/ the next round of rate hikes next month their cost will be $7700/mo and Dad likely needs more care as his dementia progresses and he is currently receiving HH care for a bed sore. My folks have no savings and now no equity in their home but yet make way too much for Medicaid (the limit is 2K) This is the least expensive assisted living facility in town and yet I am beginning to feel like these care facilities are a scam. I have talked to the state ombudsmen and the local legal aid but have really hit a wall. I really don't know where to turn, any ideas?

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Your parents do need LTC. At that point, I think their assets become separate. So you need an elder lawyer to split those assets. If then they are still over the income cap, a Qualifying income trust maybe whats needed for the money over the limit.
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Can u hire a live in caretaker? Room,board and salary and would be cheaper than assisted living or nursing home.
I find the care in nursing homes to be very poor anyway.
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The scam may lie more with your sister "buying" your parents home than with the Assisted Living facility who's providing room, board and care services for them. Home Health for bed sores is paid entirely by Medicare, btw.

Did your sister pay fair market value for their home or just move in and assume the mortgage? Because there should've been equity in that home if they lived there awhile which should have gone to them in CASH from your sister when she "bought" it.

Please see a good lawyer to hash this out and to insure your folks DO have savings to fall back on. That's the goal.....not a place for your sister to live for only the cost of a $110k mortgage!!!
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I agree with Mac. See an attorney and take all relevant information with you to first meeting.
This isn't DIY as Igloo here always says. You need to know legal options for your family situation and for your own state. You also need to know details of the sale of this home. Was it bought at fair market value and how long ago and what happened to the funds from the sale?

Sure do wish you good luck, but would be impossible for us to know all the pieces to this puzzle and all of the rules in your particular state.
Hope you will update us and I surely do wish you the very best of luck.
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See an elder law attorney to assess division of assets and to determine if your state allows for a Miller Trust.
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