Many people are saying it, folks.
@Goadstool@hexbear.net good luck! I have nothing to contribute here, but sending you the best
Something similar happened to my family in the last few years. I would recommend speaking with an attorney any way you can afford it. In our case, we basically gifted the assets to family members so they couldn't be taken. But there might be some fuckery you can do with a trust.
Hopefully that's the case; when I had to look into Medicaid for similar reasons years back though, the paperwork said they looked at the last 5 years of finances for gifts like that. This was Florida though, hopefully it's a state by state thing and op is living somewhere still pretending to have a heart.
Laws about debt, repossession ect vary by state. If you tell me what state I may be able to pass on some advice, my wife and my best friend are both lawyers.
Yeah, what you're looking for is called the lookback period. Looks like it's 60 months for Minnesota. If they're old enough to be having these issues they're probably on medicare, right?🤞 Even if not, I imagine she should be eligible for some sort of hospice home care, where they'll send a nurse once a week and maybe even an aid to help with things like bathing. I'm not sure who you'd have to talk to in order to get that referral; I think it would her primary care or the doctor that diagnosed her with cancer.
My understanding is that the second financial advisor is correct. You should at least start trying to plan for the worst case scenario, and I really don't see another option besides pulling her out of the nursing home for at least a little bit, to buy yourselves some time. Medicaid typically has a five-year lookback, so giving the house away isn't really an option (you're not eligible for Medicaid for 5 years after such a transaction).
I'm very sorry to offer only bad news. I'm not an attorney, but everything I know about these rules suggests that it really is that bad, so you should be prepared to take whatever action you can to forestall losing the house.
I'm so sorry, comrade. I hate the way this system works.