My best friend, worked in a nursing home, she told me that the patients that had regular visitor's were well taken care of... so see your parents or grandparents, often. Drop in at unexpected days and times and often.
You are so right, my grandmother received better care because we took turns visiting her throughout the week and never let her feel as if she was abandoned or forgotten. We made sure the staff knew we were watching over her regularly and asking her how she was being treated. She was in a convalescent hospital when we could no longer give her proper care and didn’t live long afterward from cancer but she knew we loved her right up to the last second.The elderly deserve our love and caring, they gave us so much.
It's more than that, if people would love The Lord with all of their Heart, Soul and Mind, stop sinning, repent & Give Him Glory then God will Honour their prayers and wishes.
@@halc.2899 bot or not ~ You will remain completely blind to the presence of God, until you confess that Jesus is Lord, repent and start living a sinless life. Everyone is bound by what they believe. Everyone is either fruitful or garbage, thankful or thankless, righteous or a reprobate, has love for the Lord or hate, then there are the lukewarm. He gives you a choice, which you should be thankful for but are not. If you respond back I know you're not a bot.
My husband and I took care of my mother for 13 years before she died. It was the best time of our lives. Sure it was hard the last few months, but the time we had with her was so precious.. We still talk about the memories, and she has been gone almost 9 years. The thought of putting her in a nursing home never crossed our minds.
I wished I had a daughter like you! My daughter is so "busy" even though she doesn't work outside the home and both her children are in school! She rarely ever called us or will answer the phone when we call her. Funny considering we still pay her cell phone bill...she's 39yrs old.
@@Terri_Hugs I know that pain. I have a daughter, my only daughter who is about her age. She is very much the same way. It hurts, but her children are grown and married and they call and are interested in our well being. We just pray that the Lord will provide the help we need when the time comes. I pray the same for you. I can't wait to see my mom in heaven. We will have eternity to share!
Great video, rising cost of nursing home care poses a significant threat to both homes and life savings. As individuals age, the prospect of long-term care becomes a pressing concern.
Without proper planning, the expenses associated with nursing homes can quickly deplete one's savings, leaving families in financial distress. It's crucial to explore strategies for safeguarding assets and consider consulting a financial advisor well-versed in eldercare planning.
Implementing asset protection strategies, such as long-term care insurance and legal planning, becomes essential. Seeking guidance from a specialized advisor can help navigate these complexities and secure a more financially resilient future.
Absolutely. The financial impact of nursing home expenses can be devastating, affecting not only the individual's quality of life but also the inheritance they leave for their loved ones.
Your experience resonates with my concerns for my aging parents. Could you share more about the specific strategies your advisor employed to protect your family's assets from nursing home expenses?
I took care of my mother in her home until she was 93 she died in my arms from cancer my brothers and myself shared in her estate as she wished,take care of your parents when they need help as they did for you
What if your home does not have handicap facilities? What if they are so ill that you can not get them in and out of your car to take them to the doctor? What if they require medications delivered by a registered nurse and you can’t afford a nurse? What if you have no siblings to help? DO NOT JUDGE!!!!
My Mom gets the sundowner behavior from alzheimers. She is angry, loud and abusive when these episodes occur. She leaves her apt and bangs on neighbor's door, while yelling. Now in the care center from a broken hip, she at times refuses to take her pills. Other times she is sweet as pie.
@@breezybird403 alzheimer's disease people have in theire live not from sky. Medication, prescribed by medics that people use for life is caused alzheimer's disease. Chemicals to use to make pills destroy people 's very sensitive brain. All medics know this!! Medics sell prescriptions & it's the easiest way for them to get rich.
Great if you can. For my mom, we did this. My dad and his wife, not happening. So not happening. Watching them struggle with care because they rejected planning advice is painful but oh well.... I can only learn from the process
My first job was as an nurses aid in a nursing home in 1969. II have never forgotten how many residents were forgotten by family and friends. Therefore, when we built our home in 2007 we made sure we put everything we would need in our elderly years would be on the main level. A walk in shower, wide hallways, etc. We also installed a backup generator so everything we need will always be in service. We have bedrooms upstairs and in the finished basement so if family members need to move In there will be a place for them. And my kids are willing to be be here when we can no longer care for ourselves.
My mother was in a nursing home in CT and I visited her one day and a man in a wheel chair in the hall was singing loudly and constantly. By law, the nurses could not stop him. Imagine being a resident with him right outside your room !! It was awful !!
@@barbaracalabro873 - My mother was in a nursing home in CT and the male patients were going into the womens wards and having sex with them.(attempting to) I visited there one day and her roommate was inviting a man into her bed. I, with great difficulty managed to find a nurse/helper and she dragged the man out of the bed and sent him packing. Another time I visited my mother and she was lying crosswise on the bed and a large (tall) man was lying on top of her. I ran for help. I moved my mother 3 times into 3 different facilities. I had to work every day and take care of my children so I was at my last oz. of strength. Finally my mother broke her hip, falling out of bed they said, and after a while in the hospital she died. Now I am at the last of my life and doing everything I can to keep from having to go to the nursing home.
@@grandmajane2593 That’s incredible. My mother finally needed round the clock care and was going into a home in a few weeks but she passed right before. My father was going too to be with her. Plus I noticed you said “ roommate” which would be my biggest fear in life aside from just being in unsafe from assaults.
@@VelveteenRabbit77 - Well perhaps "room-mate" was not the correct word to use. The nursing home had rooms, each containing two patients, so it wasn't a typical roommate situation. The men and the women had seperate wards, but I noticed the men had a habit of hanging out in the halls around the womens section. Not a bad thing, but most of the patients seemed to be pretty far advanced in their dementia, together with a lack of staff - it wasn't nice. I feel so badly about it. But now I'm 87 and trying to stay home myself. I don't think it will happen to me, I like to think I still have my wits about me.
Some children, have not "forgotten", but no one wants to tell the lady in the nursing home, her son has died. I will keep telling Charlotte her son is in the Durham area, rather then tell her he has passed away after getting a booster. Charlottes two brothers also died. Do you want to tell her? It's weird. Also, one former state senator, outlived everyone he knew, so, shockingly, after his passing, there was not even a newspaper obit, about his passing. It's not that no one was visiting, his circle passed.
Consider adding a bedroom with full bath to your home, with full handicap features (wheelchair accessible doors, grab bars in the shower, extra space in the bedroom for medical equipment). This will allow the family to care for the elderly to the end or at least until the care required exceeds the caregiving capacity of the family, thereby shortening the time in a nursing home. Hiring a home health nurse to cover the evening shift will allow the rest of the family to get decent rest. It is expensive, but much less expensive than a nursing home. We have cared for family members for years, well beyond age 100, in my home this way, without resorting to a nursing home. We do have RNs in the family, but basic home care can be learned by almost anyone.
Most could never afford to add such. So, elders get warehoused to get shelter & care, because, Most families are struggling to exist, so lack anyone at home to do caregiving. And/or, their elder abused them, & they want nothing to do with abusers. Or, the family member can barely care for themself due to disabilities. Hiring a home caregiver might work very well for some…BUT, rarely for many, due to the human nature of struggling, poor, desperate to survive caregivers, combined with low wages, etc. what I’ve seen, for decades, is that it’s extremely hard to find reliable, decent, honest caregivers to come to the home. When I had to enlist hospice to help with mom’s DH, many who came, looked worse off health wise, than him..like they should have been the patient…working wounded. It ain’t pretty nor easy. The systems we have, prioritize profits going to the top, not the working staff that actually earns the corporation it’s profits. The algorithms used, constantly echochamber & funnel us into smaller boxes, reduced choices, & more limits, because those are what optimize profits at the top. THAT needs to get changed, to allow better equity. Til then, we’re stuck at the “mercy” of institutions. If that model is allowed to continue, it won’t be much longer before we really are 100% trapped in Orwell’s dystopian model. We are maybe about 80% trapped in it right now. Yeah..really.
Excellent advice. I'm in the process of doing this now. Putting an addition on my home with first floor bedroom & bathroom (which the house does not otherwise have), all handicapped accessible. My wife and I are 63 and in good health, but anticipating the future probabilities. 👍
Gary K Nedrow. The problem is caregivers want about $20 an hour to stay awake all nite which is about $45K a year. Just for 8 hours a nite. Then after a parent falls and was injured they will SWEAR that they were really awake! Not sleeping. You can keep people as long as they aren’t up all night. We have been there it’s so tough! Glad you are able to do it though.
@@VelveteenRabbit77 Understand, home caregivers are generally nurses’ aids, one of the lowest paid trained care providers in the healthcare industry. And, they are hired through Agencies. The agencies take at least HALF of the $20/hour fees charged to the patient/family. Which means, the nurses aids are being paid only about $10/hr., & usually with little to no benefits. Same for LVNs & RNs who work thru agencies. Agencies pay lowest wages to workers as possible, fattening the Agency Admin’s pockets off the backs of workers. This is the same pattern of most all industries: bloated with middle management & even fatter upper echelon CEOs & investors. Workers in most of middle & end-stage Capitalism, are routinely treated badly, fired or laid off first; it is a continuation of “plantation slavery”.
Just wished most attorneys out there had your heart to help people, but NO, they have to avoid what you do so they can ripoff their clients for overpriced fees they charge for just talking to you. You are the BEST human attorney out there, God Bless You. Thanks
@@elizabethblane201 The point here is that the people that do not save their money, spend every cent they have, are poor investors, etc. also pay little or nothing for nursing home expenses. The people rhat work hard save their money and are responsible and plan for the future spend every last cent the last few years of their life on nursing home expenses. This certainly sends the message to all of us that being irresponsible and spending your money like a drunken sailor is the better thing to do.
@@lindaeferraro you dont understand... the nursing home gets paid by the estate, by long term insurance or by medicaid. They dont get cheated out of their money ever.
@@lindaeferraro so you think it is ok for them to take everything? I just do not understand that logic. I am dealing with this right now and it has been a eye opener how the government has their paws all over everything even to our death beds. My dad died December 8th 2020. My mom had fallen just a couple of months before and had her head gashed open. The land caught on fire about a month before my dad had a massive heart attack. My dad always took care of my mom but never had her do bills. I am telling you it has been a mess. My brother was promised the land and mom even had a will made out that needs to be notarized etc. She was very upset to think they would get the land We did get the name in my brothers name. Our plan is to keep her in her home as long as we can. I personally can’t stand nursing homes. I had to stand up for my mother bc some of my siblings wanted to put her in there. Like I said it’s a long road to travel. I had to take some of her money and put it into a trust just to have money to pay for my moms funeral. They go after everything. It is beyond ridiculous what they do to us. We work all our lives to protect what is ours. And they come along and they take everything away from us and they want to put us in a nursing home and give them everything. Well that makes a lot of sense doesn’t it. Take our last dollar however they can so how do you think that’s OK? This has been really hard on my family. More people need to value their parents and realize they sacrificed their lives us. We should do the same. I don’t think they should have the right to go after land. My personal opinion. I realize they need to be paid. I also realize home care is a better option if one can.
My wife’s sister got dementia and her husband left her home alone , didn’t give her the prescriptions she had been prescribed . She came to visit and when we discovered her medication was 3 months behind we took her into our family Doctor and kept her about 4 years until she passed . On her new meds she was deemed competent and divorced that SOB . This was hard to do but we learned as we went was a big wake up call , life is short ❤️❤️
You sound like a kind man. You're wife is fortunate to have you as her husband and I'm sure the same is true about you being fortunate to have her also. Thank you for sharing how you helped her sister.
My dad lived with us for 2 1/2 years and it was one of the best things our family ever did. It was ridiculous to put him in Assisted Living when he just needed someone to drive him around and help with taking his meds.
The "Trustees of my Parent's Trust" and the Estate attorney are trying their damndest to force ME out of my house! Why? THEY'LL GET A HELL OF-A-LOT MORE MONEY!!! Ever met an HONEST attorney you'd buy a used car from??? 34 years I worked as a Deputy Sheriff In the Medical Examiner's Office. I've testified like "Dexter" in over 3600 trials. Truth means NOTHING in Court! How much "justice" can you afford??? The attorney and Trustee's are already getting more than EIGHT TIMES as much as my $2000 a month. Since 2016 you CAN'T LEGALLY "home care" someone on Medi-don't-care. I took care of my Momma's Daddy in this house for five years, then I took care of Momma and Daddy with my late sister. Daddy died first, then my sister, then Momma will be two years ago. Momma had osteoporosis so bad she broke her collar bone and hip turning over in bed at home. I had no options but to put her in extended care after she left the hospital. They broke her Pelvis changing her bed! She died about two week later of "COVID -19" so the nursing facility could get the $128,000 "Covid Bounty". I necrospied her MYSELF took the photos and she died of a GREATLY enlarged (the size of a cow's) heart or coronary insufficiency. I got $246,000 off her medical bills. She was 92 anyway, and lived MUCH longer than any of her family, going back 167 years. I've necropsied over 500 people after I was 'retired" that DIDN'T have "Covid" aka SARS 2.02 aka Bird Flu. What ELSE are they lying to us about???
officially, the handling of meds is RN restricted. but there are workarounds if you have a cooperating pharmacist. as for driving him around… there are alternatives less restrictive than denying transportation and less costly than the full slate of assisted living services. i am now caregiver to my sibling, my duties include laundry food and transportation. home health handles bathing/hair care, nursing (meds layout into trays) wound care, changing the bedsheets 1x/wk,… OT & PT… if they qualified for medicaid i would even be paid for my services.
My Mom used to work in a nursing home but she herself never had to have care in one because of my Dad and I taking care of her. We did it for 10 years but she also took care of us. She would still cook my Dad some eggs and she would also do the dishes in a wheel chair and also she would fold laundry. She'd also refill the fridge with pop so it would be cold. These are the small things that she would do in her last year. We would play video games with her and also we'd take her to the casino for fun on special occasions because she would ask. I never let my Mom being in a wheel chair keep me from getting her out of the house. I'm just so glad we were able to take care of her. It hurt me financially but it was an honor to take care of such a loving and good Mother and to my Dad, a great wife.
We need more caring daughters like you. My husband died 2 yrs ago in a terrible nursing home here in Florida. I took care of him alone during Covid at home for 18 mths. He had fallen on his head. Was very healthy until that day. I was exhausted. I would visit him in the nursing home every 1-2 days. His sons from MN never came to see him, even though I asked many times. It broke my heart seeing my late husband so sad after a phone call with his sons. They are both almost 50 and should know better. There was a lot of negligence in the SNF. I reported them to the State, which didn’t help. They all stick together 😡 I went through hurricane 🌀 IAN and my house is fixed. Thinking about moving closer to my siblings in TX. Then I won’t feel so alone. I hope I never have to go into a SNF after what I have seen. I was here for my 76 yr old husband. Bedsores and catheter. He was locked up in the SNF for 6 wks during covid. Couldn’t see or talk to him. It drove me crazy. He prob thought I deserted him 😢 I’m sure your mom appreciated everything you did for her. ❤️🩹
I'm almost 73, my husband is 69 and as yet, we remain in good health. But we've not set anything up to protect what we have from unforeseen circumstances, such as either or both of us needing nursing home care at the end of life. I've no children but would love to have something to pass on to a family member who needs it, whose standard of living could be greatly improved from it. This video has just the kind of information I need to be forearmed. Thank you sfor sharing it, Mr. Rabalais!
Don’t wait too long my husband had a mini stroke and he is only 64. We need to see a lawyer immediately. Just in case… we have a child who is also disabled.
But for your state, Ask Case Manager at any Health and Human Services office they will tell about Irrevocable Trust 5 year Look back to when Trust done. That's when Medicaid will pay nursing home costs. Do the trust 5 plus years before needing nursing home. Average Life Expectancy USA 78 so get it done before 73.
I worked and helped mum and dad in there home stay at home get carer at home If can jealous relatives Tried to get me to put my dad in a home I blocked therr number so cruel ( dad driving before he had a stroke and mum stroke at home and died few hours later in hospital so glad helped them its love
I took care of my husband who had a cervical tumor that took out his whole left side. He got cliff in residential therapy. I had to give round the clock nursing care. At the end he got cancer and was in a nursing home 6 months. I was blessed to have been with him all day. I was blessed even though it was hard.
It is not dumping, that is so cruel to say that. I took care of my 97 year old Mother until I couldn't do it anymore. I am Old and 72 years old with many health problems myself. I couldn't lift her anymore without excruciating back and neck pain. Had NO other family member to help even my twin Sister refused to help. So think twice before you judge people. May God bless you.
You gotta be kidding!! What a dumb thing to say. My dad is 91 and completely unable to care for himself. He now also has dementia. Me, my brother and my sister are in our 50s and 60s and working full time. My mom is 87 and is the only one left who can be with him. You really think an 87 yr old woman is capable of giving 24 hr care to a 91 yr old? Most people are horrified to put a family member into a nursing home, but sometimes, there's just no choice. Stop judging others based on YOUR life.
Thank you! How kind of you to offer such advice and inform us of laws that were passed and not really spoken of. I definitely wish everyone would HIT LIKE BUTTON or THUMBS UP. There’s no way to discern the number of people you have saved from losing their homes without being aware of this until their loved one has passed and they are grieving. You are a caring, kind soul
My home is paid off...thank god we had put all of our assets in our kids name... my hubby had brain cancer and he was placed in a nursing home for 2 weeks after coming down ill with C Diff. I couldn't get over all of the paper work they made me sign... scary when I read the paper work. We had already gifted the house to our kids... this protected our home! Omg! Thank God he was only in there for 2 weeks. What I witnessed in that nursing home was sickening. This is a part of the World many do not get to witness. The stuff you are teaching us all about in this video should be taught to us all when we were in high school. Thank you!!
@@onmykneesforYehova I didn't use God's name in vain! I said omg ... thank God....when I use the word OMG for me it stands for oh my goodness. BIG DIFFERENCE! Who are you to judge me you don't even know me? You are never to judge anyone for the Bible states... Bible Gateway Matthew 7 :: NIV. "Do not judge, or you too will be judged. For in the same way you judge others, you will be judged, and with the measure you use, it will be measured to you. "Why do you look at the speck of sawdust in your brother's eye and pay no attention to the plank in your own eye?.
Most people would not trust the children to that extent. Glad it all worked out well for you. I have friends that had a major medical issue and they were tossed from hospital to rehab to nursing home and now are finally together as they opted for assisted living. BUT, at 6,000 per month they will have drained their life savings. And THEN WHAT ?
Thank you for putting this information out there! My father was beside himself when he realized that he would have to pay all expenses until exhausted, then he’d have to sign over rights to his home to nursing home facility. He paid for 24/7 in-home care for the last 6 months of his life. As you mentioned in your video, fortunately he had his savings. A veteran of the Korean War, and hard working, tax paying man his entire life, felt that he was being penalized. In order to qualify for government assistance, he was required to spend his life savings, while those living on government assistance for years paid nothing. He had no choice other than to accept this fact, but he wasn’t all wrong.
My youngest daughter was in a horrific auto accident and in a coma for 9 months. 3 months in intensive care then transfered to a Brain Injury Center in Bradenton Florida. The pier was absolutely phenomenal in every way. She came along long way after she came out of the coma nine months later. Then we transferred her to a brand new facility closer to home. That was the worst nightmare and the worst thing we could have done because the place although beautiful in every way was lacking in continuity of care and all that she gained, she lost while in that facility in Lake Worth Florida. When the insurance (after many lawsuits) finally pulled our of the State leaving us and 3400 policy holders high and dry I was forced to take her home. Alone. A friend helped tremendously but it was 24/7 care and it nearly killed us. Financially It c I st me out of picket $4,600 to $6,200 a month to keep her from going to the county home and hire caregivers through the day time. Two years! Then the Medicaid Office managed to get her on the FL MED-Waiver ADP Program whereby she was able to stay with one of the caregivers home as they wished. This incredible couple cared for her then in their home 27/7 365 days a year for 10 full years! THANK GOD for this couple. 🙏🏻! Thank God for my incredibly successful Medical Massage Therapy Practice I was able to afford her care until Medicaid Waiver kicked in. The gentleman of the team unfortunately and terribly sadly passed away but not until a year after he helped us find a MedWaiver covered group home that was awesome to care for her 24/7 for our ongoing years. So sorry to have made this to long. Although it's not a snippet of the whole fiasco/ordeal. She now lives in the Beautiful Group Home in Palm Coast Florida and is doing very well going to Day School. The hard part is expenses have gone so far up that I can only see her a couple of times a year where were used to see her every 3 months at least period And I lost my husband in another horrific accident, head-on with a horse in Pigeon Forge Tennessee. And with that I have to now make the trip by myself. I turned 82 this Saturday the 22nd. I don't know how much longer I have can make the trips to see her. And I know my visits with her is what's keeping her going. Yeah they all saying life's a b**** and they you die is pretty well true. You got to look for the Sunshine now and then through the clouds. My prayers to all of you who have been and who are going through so much.
@Kris DeMarco Exactly. One of the reasons you save money is so that you can provide for your own care until the end. Years ago it was shameful to have to use government support. Now it's about making the government pay while you keep everything. Now, I don't think the money should all be drained if you have a spouse. The spouse is entitled to half.
My dad was in a nursing home the last two years of his life. They cared for him very well and we visited a few times a week. He had Parkinson's and suffered daily falls at home, 2-3 times a day. There were up to 7 people going into his home to help with his care including his kids and yet this was not enough. Not all nursing homes are the same. We were happy to see him do so well at the nursing home. We were not able to care for him so well no matter how hard we tried.
have Parkinson's as well know how he feels have been having bad mad cow disease (memory LOST) been forgetting a lot of stuff have fallen doing things that I use to love is now getting harder. depression is real bad with me
@Yol2000, In a situation like you described, it does make sense to have a parent in a nursing home, but the key is for the adult children to visit frequently and oversee the care that their parents are receiving. It sounds like you were keeping tabs on the caregivers, not just leaving it up to them. So my point is this - I wasn’t saying that it’s always bad to our parents in a nursing home, but if you do have to use this route, it’s important to check on them frequently and be actively involved in their care. Too many people just leave their elderly parents in a nursing home, and they barely ever call them or visit them, which is really sad.
@@libertylover4575 You are absolutely right, constant visits and participation make all of the difference. We would talk to the nurses, the staff, attend the quarter meetings, participate in recreational events, sit at the dining hall with dad, etc. It was so nice to see him nicely dressed and clean. At home he refused to bathe often or change his clothes. I'm writing this so that if someone needs this type of family input they can have it.
We have a distant relative who is going into a nursing home who made us aware to of these Trusts prior to entering a nursing home. I by accident found your video and what a great informative video you made available. Waiting for my hubby to watch your video; we are 73yr & 74yrs old; hope we aren’t too late. Thank you for all your time on this excellent information !
Having worked as an RN in nursing homes in the past, I can tell you that the solution for this is very simple and everyone knows about it. Once your spouse CLEARLY is going to have to go into a nursing home, you file for a divorce with the responding spouse agreeing to let you have all of the assets because he/she has become incompetent to manage anything. Then you continue to live together as normal until you cannot do that any longer. When the afflicted spouse moves into a nursing home, he/she gets qualified for Medicaid because he/she has no assets. That keeps the healthy spouse from becoming destitute.
Are POD’s protected from Nursing Homes/Medicaid? My mother-in-law had her home, cd’s, checking, savings all set up as POD. This kept it out of probate, but could Medicaid have claimed them if she had gone into a nursing home?
@@katherinewatson2934 Yes, technically Medicaid can go after those assets ( if the medicaid application honestly lists those assets & or if the medicaid caseworker if smart).
True. This is what our lawyer told my mother as Dear old Dad went downhill FAST. But she broke down crying that " IF " he needed any medical decisions done..she couldn't do A Single Thing to help....I think a Medical Advocate or directive could have by passed that mess. Anyway...lost hundreds of thousands of the old live savings. And went broke...then Medicaid....and Dad must have known, as he died shortly after accepting the dole.
The elder care lawyer my Dad hired cost $400 an hour. He is 91 and Mom has Alzheimer's. The lawyer is worth it if you don't have any will or Trusts. My Dad can keep $130,000 of their joint assets for himself, plus his co-op apartment. Mom's care is over $8,000 a month, so he is cashing in life insurance policies to pay for it. If he dies before Mom, his assets will go to my brothers and I. So splitting assets is legal and helpful. I opened up my own checking account for my Social Security deposits when I start collecting.
I had 2 experiences with Nursing Homes as a patient.. The 1st one was the worst I've ever been through. I had undergone bypass surgery on.my leg.. I was assaulted by a nurse , causing severe injuries to the bypass. I saw things that I won't forget.. The 2nd time was after a heart attack for rehab. I absolutely loved it there. The staff was wonderful ,
Best thing I ever did. Got it set up in early 2015...One word of warning is that it's not cheap, but it's well worth the expense. As long as you are paying for their work, have them set up a will, too. I'm happy that I joined the "Smart Peoples" club.
I just saw this title & immediately knew the easy answer to how to protect your assists from nursing home expenses. Here’s the easy way - Talk to whoever you intend to leave your assets to, in your will. Tell them that they have two choices - 1) All their potential inheritance can be spent on your nursing home, OR 2) They can take care of your in their home, until you die, and then they can have the money that would’ve gone to the nursing home.
Let me play devil's advocate: 1) Will you quit your job while you're caring for the person? (You'll have to; it's a 24/7 job). 2) Where will you get money to pay for your own expenses? 3) There are 21 8-hour shifts in one week. How many shifts can you work? 4) Who will work the other shifts and how will you pay them? 5) Who will take care of your kids/spouse while you're doing this? 6) Will you have to move across country to care for them, or will they move in with you? These are just a few of the questions. I am not making this us; I have lived through this and I know what I'm talking about.
@@elizabethblane201 there are answers to these questions and a nursing home isn't the only one. Our elderly population should have the option of staying in their homes. I believe home care should be affordable and for some below or at the poverty level it should be free through medicare/medicaid. I've worked in skilled nursing homes and wouldn't put my dog into one of them. I'm 68 yo and take care of my Mom 24/7 because I'm retired. Every situation is different. I believe in taking care of my own. Its difficult at times but doable. Homecare through each states council on aging is also helpful.
@@christineblaszczyk1602 That is wonderful that your mom has you and that you are retired and can afford your time/health/finances to be able to do that for her. She is fortunate to have a daughter like you. Very few people can or will do that. 24/7 private home care costs between 10K and 15K a month, depending on where you live. It's not affordable anywhere for anyone. When you say 'it should be free through medicare/medicaid" you show that you do not understand the financial crisis that states are going through, with about 50% or more of their state budgets going to Medicaid. That is the financial reality. Where do you think this money comes from?
I found your web site a month ago. My wife & I are in our 70s & healthy. We are concerned about the UNKOWN future, in terms of care costs. Your videos have helped me understand more of what I must know to protect our assets. THANK YOU!
If you want to save some of your time …. video starts after the 38 min mark ;-) and the answer is Irrevocable Trust … also there is 5 year rule that it must be done BEFORE applying for Medicaid.
34:55 = why you need this information. avoid crisis planning! plan early, here is critical info. If you don't know your rights, you don't have any. Thanks for making this video!
The hardest thing I’ve ever had to do was to place my 87 yo father in a nursing home. We went through three before settling on one near my home. It is crucial that someone visit frequently. With shortage of staff in nearly every nursing home, it causes frustration and sometimes the caregivers take it out on the residents. It’s a thankless job and many times they come from violent backgrounds at home. My father was a victim of sheer neglect and bad attitudes. I saw a shift in his personality from strong, confident man to paranoid and fearful. It broke me. But, I could not care for him because he was too big for me to lift. It was a short three months before he died. My mother was emotionally crushed.
My father was abused the judge did not care he got kick backs. He was murdered there. He came to my sister and I said he was smothered. We each had the dream the same night. Wow
You, Mr. Rabalais are a gem! I wish you practiced in my vicinity. I would definitely seek out your services. I kinda feel like a 72 yr old Rabalais groupie! I watch your videos repeatedly! Thank you so much for all your wonderful information!
My friend in Greece had to put her mother in a nursing home. The monthly fee was 500 euros a month that came out of her mom’s pension . And it was a nice place not a hole in the ground. The prices we charge in the US for any kind of medical or senior care is staggering. I am getting depressed. Money rules our life and death. The only thing that gives me solace is they can’t charge anything for our afterlife. Yet.
Countries in the EU have human decency laws which help control otherwise malfeasant corporate greed. The US instead, allows, aids & abets runaway corporate greed…& now, corporations pretty much own the gov’t..we have zero human decency laws, much less enforce anything like them.
Honestly putting myself in a retirement home overseas or retiring overseas sounds way better than growing old here in the US :( We can’t even age and die in peace here….
Shortly after my grandfather died, his wife went straight to a senior facility, in her own apartment, had a great social life, got a boyfriend, had a blast!
I wish I had seen most of your vlogs before your vlogs started. I had been sick as well. I was Mom's primary care giver. My elderly, sick, bed-bound Mom got very sick from Nov 20 till Apr 26. I think she missed my brother so much that she grieved silently over losing him. She died just 3 months after my brother. I can't even stand being in her house alone, though I have been back several times, but I felt very anxious the entire time. I wish I had listened to several of these videos earlier...PRIOR to when Mom became so ill. I now know what could happen to me (my estate) when I die. I'm running into many roadblocks as Executor for my Mom's estate. I never knew how hard this would be. I'm way beyond broke with upkeep of her house (utilities, homeowner's insurance, and yard work).
Thank you so much for all the amazing information you are sharing everyone. I live in Texas. My husband and I are in our early 70's. Your videos have been such a blessing.
My mom and dad went into assisted living facility when dad had end stage alzheimer and we were able to keep him there til he died with my family being caretakers. I remodeled my home for my retirement but also for my mom to live with me, she is 85. Im a nurse of 43 yrs and am 63 but in good health. She'll never see inside of nursing home. Then hopefully I'll be able to live in my home til my death as all being on one level, ramp to my front deck and my girls are CNA's and my family very close with 6 nurses in the family.
You are soooo right! Quality of care in nursing home is FAR less than assisted living, but AL costs so much that average american cannot afford it. Its as simple as things like food quality and no appropriate activities to engage their minds. Beyond that poor quality care by indifferent workers is truly frightening.
Thank you so much for sharing your expertise. I am 65 and healthy, no prescription meds. I have been giving a lot of thought to transfering my assets to my son. I now feel comfortable considering a family trust. Blessings to you
Do it for sure From Ontario Canada my kind loving father ww2 British / Canadian vet and my self were bold faced lied to by doctors nurses social services here in Ontario . I was trying to get him into a veterans hospital nursing home which he qualified for a 50% cheaper rate and fantastic care .they pretended to be helping us mean while they took my dad despite me being power of attorney and asked me for permission to send him to a nursing home I had never applied for with a horrible record of abuse investigated by state tv previous I said No 3 times that day as son and power of attorney they sent him any way .My dad was abused 3 times while being an inmate there ,neglected and assaulted by a mid 50ies big inmate aka resident . My dad was admitted to a hospital on intensive car a ventilator.I called the city police and told them I was from out of town but could come to the station to file a complaint of my fathers assault they said no we will come to you . Because I was at my friends house who is in her 90ies I asked the police officer if could talked with him in his car he did not like that . So I walked to the officer car went to get in the front to speak to him he yelled where do you think your going get in the back which I had to lay down on my side to report my dads nursing home assault because the back seat is a steel cage with 0 leg room . Here I am treated like a criminal 62 years old laying on my side in the back seat cage in the cops car telling him that my father was assaulted in the nursing home I had the message on my phone saying so and I wanted it investigated .I knew he was not going to do anything which he told me utterly disgusting. I said so in Ontario it ok for the elderly to be assaulted and no one going to help ( which was bs ) any he said he was not going to get involved equally disgusting. There were many abuses prior from hospitals and social services . There was a prior request for police to investigate my dad was admitted to local hospital for a unitary infection during his stay his legs were smashed from the knee to this feet when he was discharged witnesses and my self visited dad at our house he was very un well and complained of his legs we lifted his pant legs both lower legs were puss and full of infection from wounds which he sustained at the hospital they put 2 tiny bandages on his totals smashed legs witness were horrified I called the local police they would do nothing nothing and started to yell at me . In my opinion all the hospitals staff and the investigators are paid by the same entity so they don’t want to rock the boat . My dad lasted many months on life support and could communicate by writing and laugh at jokes and pray but the doctors wanted to pull the plug on him I had to threaten them with going to off shore and USA alternative press to get them to back of for a time when dad passed away a doctor called to convince me for an hour not to get an autopsy done after he was done I said now want an autopsy conducted . They never called me back or responded . Moral of the story never never trust state medicine or authority they are in bed together and cover for each other . The system is an illusion of freedom . My father and his brothers who fought fascism in the 1940ies was killed by fascism in 2018 sick . Luckily my dad confessed his love of Jesus and asked him to forgive his sins Amen 🙏🙏🙏🙏. Dad would be horrified to see the events today
I’m enjoying the very informative legal advice. I would just advise the younger viewers to think of one more alternative. When I turned 50 I joined AARP solely to qualify for their sponsored long term care insurance program. I have paid relatively small monthly fees, and at age 72 I am only paying $103 a month. This insurance is inflation protected, and provides more than $5,000 a month for life, as well as smaller amounts for home health care, etc. including my social security I will have access to $7000 minimum per month from these two sources, without selling my house or touching any other assets. By starting my LTC insurance so young (50) I have paid ridiculously low premiums all these years, and of course, if I have to use the insurance my premiums stop. At the time it seemed like a goOd idea. Now it feels brilliant. Hope others can benefit from this alternative to relying on Medicaid. Thanks!
My parents had everything in a Trust and we still had to pay all the nursing home. (Idaho) Be sure and let people know that some states have passed legislation to stop the loophole of trusts.
As a former Medicaid case m'gr. (retired) I'm not sure why people think they are going to be able to "protect" money from Medicaid just by putting it into a trust. I saw Medicaid go after trusts all the time.
@Randall Swanson Sorry Randall, I could not really say what kind of trusts they were or for how long they had been set up. I just remember that they were not considered off limits. There is a thing called a Miller's trust that is used for Medicaid purposes, but I'm not sure how it works.
Sometimes I wonder if it is not less expensive to hire a caregiver or apply to CARES for caregiver services then to stick a parent in a nursing home. That's what we have done and our Mom is with us and quite happy and healthy at 86.
There's just no reason for a nursing home to cost $9,000 mo. The staff are paid peanuts, the rooms are ultra, ultra tiny. The food is awful, and the "care" is minimum and very basic. My dad was in a room that was about 10 x 14 and shared it with another guy. The bureaucracy of jumping thru medicare hoops and hospital regulations was a NIGHTMARE.
its sad im here to get advice . i have three days to get my dad in a nusring home or take him home and my family try. he ha a tracheotomy, jpeg and callostomy . after u mention that i rather just deplete hus 401k fir home health carw people to help us
@@staciecook5217 that would probably be a better option. My dad was paralyzed from Guillain-Barre syndrome and had no use of his arms or legs the only thing he could move was his mouth. I'd go there and they would put a snack on a tray in front of him which was a dried out cinnamon roll in a cellophane wrapper and he had to look at it until someone came along to unwrap it and feed it to him. Not a paid staff member ... Family. So the very, basics of bathing were done for him, but that was about it. The they didn't feed him, only provided crummy food. And all for the bargain price of $9000 mo
I have a client that was in charge of payroll for a nursing home owner. He want primary owner of 5 nursing homes. His monthly pay check was $32,000/ month clear. His daughters (board members that never attended monthly meetings or worked at facility, got $8,000/month.
My mother was a slick old bird. When she turned 75 she sold her large home, her car and cleaned out her bank accounts down to less than $10,000 and moved into an apartment and passed the money out to her family. She said she didn't want the government to get it all, and wanted to see her family enjoy it while she was still alive. She made it another 10 years, but her final year she did have to go into a nursing home, they of course got her monthly Social Security and Retirement, but the asset transfer was way past the Medicaid lookback window at that point.
I'm 64/retired and sorry to say to nursing homes I'm spending my savings, stocks, selling my home and traveling etc right now like there is no tomorrow. I'll be 100% BROKE in 15 yrs and enjoying every minute of it right now. They won't get a fucking penny. BTW I have no kids or wife and basically no family left.
@@robertmccully2792 THE GOVERNMENT ISN’T TAKING YOUR MONEY. Here’s the rule: if you have money to pay for your nursing home care, you have to pay for it. If you don’t, Medicaid will pay for it. What this guy is talking about is intentionally stripping your assets so the taxpayer pays for your care even though you have money. This is no different than giving away your money and applying for food stamps. Don’t like it? Then either don’t go into a nursing home or talk to the government.
You spent over three minutes on your presentation's introduction. A word to the wise, keep your requests for likes to the end of your presentation. Keep it information dense up front like you did at 5:45. But it took you almost 6 minutes to get to the good stuff. Your information is fantastic however and your jokes are good too. But it takes a real trooper to stick with you for 6 minutes to get there
I also sat here and listened to other explanations and interruptions by questions being answered...to get to what I came here for: Put the assets, money into your family trust soon, because of the 5 year look back.
MOST UA-camrs ask you to subscribe up front…at the beginning of the video…right out the gate…as soon as they start…however ya wanna word it. You’re getting a plethora of information for free. Stop it!😆
When my mother was in a senior care facility, both my sister and I visited nearly every day. One of us would go at lunchtime and the other would go at dinner time. Depending on our schedules we would switch.
Hey you guys out there - never ever beat yourself up if you have to put a parent in a nursing home - most people in thier minds think they would never ever do it which is a normal way of thinking - when it comes to reality things are very different - a lot of the time what is envolved in the care required is so much harder and so much more difficult than you could have imagined - even lifting an older person who is fragile is a mine field - some things you just have to leave it to the profesionals - sometimes its the kinder thing to do
My mother at one time had a good job, money and property. She started feeling poorly and got dementia. Wouldn't eat. Lost weight. Finally got Hospice care. She spent every dime and died at 80, penniless. My brother and I were her caregivers. I paid for her cremation. So financial planning would've helped her!!!
well she did the right thing, she died with nothing yes to bad that she could not had left you a life insurance but at her age could not get any or least a house. I paid for my mother life insurance for 12 years then sorry POS brother wanted some of it which all of it went to me
I suffered a hemorrhagic stroke at 61. At my age, and with my full debilitation, I was able to get my full social security. I also signed up for Medicare and Medicaid. Medicare was able to help me with most all of my medical needs like my doctoring and meds. However, Medicaid wouldn't do a thing for me. I had to pay a large fee monthly to remain signed up for Medicare, but Medicare has a policy that says if my medical needs could be provided by ANYONE else, then Medicaid wouldn't cover the patients needs. So for many months I was paying for Medicaid and getting nothing for it! Medicare, who also charged me monthly, cavered everything. I finally got smart and dumped my Medicaid! They are worthless!!
I once owned two nursing homes in NZ. And loved the residents, and loved ,and learned from their life’s journey, however at times they said to loved ones, they were not fed , or showered ( not true ). One lady left her daughter two big farms, when I asked her to buy some warm underwear for her mother, the answer was, don’t be ridiculous she’s 90, and won’t live much longer. I couldn’t believe what I was hearing. So people please remember there are two sides to a story, and age does play mind games at times on facts.
By far the best solution when you feel it is time to check in a nursing home ( aka death chamber ) is NOT to go to a nursing home ! Take a long road trip, go into the wilderness, fly away to the Last Frontier or take whatever measure is necessary not to become a burden to your family or the government will take it all away from you in a heartbeat .
I was on state health insurance when I got paralyzed 5 years ago. Spent 2 years in hospitals and nursing homes. Won a couple legal settlements since then. In order for Medicaid not to grab your money, ask the lawyer to write a check from a local bank, cash it with your drivers license. In my 40s no kids
So the answer is to set up a non revocable trust. Took 30 seconds to type it, 10 seconds to read it, and an hour to watch this video. And you want me to subscribe and like? I’ll be in a nursing home before I can slug through these videos!
Paul--thank you so much for this deep intro to the area! I'm obviously watching it most of a year later, and I'm glad you've gotten a LOT more likes than the 18 you were shooting for during the session!
As we understand it, Medicare will pay for nursing, NOT, assisted Living. With assisted living, you're on your own. Also, Medicare will NOT pay for that wonderful, expensive nursing home you think you want, there are limits to what Medicare will pay. Some expensive nursing homes have allocated a few Medicare beds, but there is always a waiting list for those. It's quite an education when your loved one needs more help than you can give. Nursing home employees are fantastic people who are extremely underpaid for all they do.
Very helpful. Thank you. On another note, I always hit the LIKE button immediately since the UA-cam host was kind enough to post the video. It amazes me that only about 5% of viewers take the half second it requires to hit that button in exchange for a video which takes hours to produce. Just sayin’.
You are awesome. You popped up on my feed this morning and I’m watching for the first time. Thank you so much. I subscribed and look forward to watching your other videos. What an amazing service and blessing you are providing to so many. God Bless and God Speed.
Let me say one thing. There are many people who need assisted living or skilled nursing home care but their families will not part with one penny to pay for their care. They wanted moms assets for themselves. They will not hire staff. I deal with this daily in hospice. The assisted livings and skilled nursing facilities vary in quality as do elder advocates. I meet many elder advocates who are not working in the patients interest but charge families more per month than a faculty.
I am a 100 percent Service Connected Disabled Veteran. Therefor the VA covers all of my medical needs and disability needs. They also hospitalize me free with no copay. Now if they hospitalize me and find that I need for them to transfer me to institutional care it would seem that I would get that care through the VA and not need to get it from Medicaid thus avoiding payback to Medicaid. So, as a 100 percent disabled Service Connected Veteran, how would this work through the VA?
I think it's a good idea for people to dispose/transfer most of their assets while they are late middle age, in their 60s for example, but not yet frail, assuming they have good relations with family. This is how it went in our family and avoided all the complications and state seizing assets.
Understand something: the state does not seize assets for nothing. The state (which is really us taxpayers) is just recovering the cost of the care and services that the parents received. People should pay for their own care and not impose that on us.
If you worked and paid into Medicare that should cover costs! Do whatever you can to not loose your life savings. If you wasted your money all your life you get medicaid and receive the same care a self pay does. Being frugal costs you in the end
@@elizabethblane201 no difference in care. I'm a nurse I ltc. Actually the state provides awesome care. I rarely have a fight for approval of treatment
Thank you so much for all this knowledge I’m going to be a 66 I lost my husband here in a half ago and I have a lot to think about but I’m definitely gonna make an appointment thank you again
Even if you never need to put a loved one into a nursing home, it still makes GREAT sense to talk to an Estate Planning attorney early!!! Have a will! The state template for a will has been updated. Please go verify your will meets your state requiremetns. My mother in laws will was deemed void thus non-existant and had to be fully probated. Grrrr. Please get a will (updated). A irrevocable trust is a complicated document PLUS alot of the complication is moving deeds into the trust. Work with the county to bridge home stead exemption to the new trust. You will loose home stead and have to argue to get it bridged. Yes though to use Living Trusts to avoid probate and irrivocable trusts to also avoid probate but also solve the 5 yr look back re medicaid paying for nursing home (etc). Tnx for this topic.
Even if you have a Will it still goes through probate when there is more than one heir. Only beneficiary accts like life insurance policies are exempt from probate, though they can still be seized by unpaid medical bills of anyone you're legally bound to. Advice to young people: Stop having kids, or no more than one. This is where most people end up if they live long enough, and no one deserves this.
My mom's nursing home accepted Medicaid and was small and wonderful. She was well taken care of and loved the staff - who loved her back!! I agree one should stay on top of your loved one's care. Must be sure even if things seem OK. I was very involved. But make no mistake, many very elder (she was over 90) people need professional round the clock care that is just too expensive for the average person to afford AND even then, is not always as good as in-facility care. Too much sentimentality about keeping elders home. Too much greed to try not to lose an inheritance. It's not one size fit all, however, the solution must fit the needs of the elder, not the heirs!!!!
I could have used this in 2017. I had to put my father in a nursing home after he suffered a stroke that exasperated his Alzheimer's. Paying for it exhausted both his life savings and mine. I found about private care group homes and moved him into one of them for the last eight months of his life, which was less than half the cost of the nursing home and MUCH BETTER one-on-one care, but the damage had already been done. I still owe that nursing home $23,000 which I don't have, and even though I inherited my father's house and still live there, I can no longer afford the mortgage payments (I've been out of work since before Covid even started) and I'm about to lose everything, simply because I got no financial advice and thought I was doing the right thing for my father.
Your videos are very useful and provide lots of information. I have received lots of help after watching this post, please continue to share this kind of information. Thank you.
Everyone should walk through some nursing homes to see what they are like, even if they are not visiting anyone. Go in unannounced (sneak in if you have to). You will never want to go into a nursing home. Some smell like pee and poop. Some of the food is hot dogs, canned peaches in heavy syrup and cake for dessert (really great for diabetics), cold, unpalatable food that goes uneaten. I've smelled alcohol (not sure if it was on the breath of a resident or staff). Beds without bed rails for residents who are fall risks. Take care of your health the best that you can. Try to find a way to stay in your own home (physically and financially). I have no intention of ever going into a nursing home.
Be aware that being on Medicaid may affect affect which nursing home one goes into and definitely can affect the quality and type of medical care one receives outside the nursing home.
Right you are, no one running a good home really wants medicaid residents unless they're skilled. in Oklahoma medicaid only pays about 4500 a month, medicare pays 7500. its actually 147.50 per day and 247.50 if memory serves I don't like going after skilled residents because its a little hit and miss it seems, you can do better trying to get the rug scores up, if your nurses are charting everything and you have a good MDS person you can get a little more money out of everyone that requires more intense levels of care. doesn't seem to stress the nurses as much and ultimately, mainly the residents. I just don't like to run a bunch of skilled residents through there, most people do just trying to get paid a little more. To me that seems like a different business and a nursing home you should be trying to create a peaceful atmosphere
@@Hugh_Manitee Neither. It is Medicaid. Every provider wants to minimize Medicaid patients. For eligible seniors with Medicare, Medicaid can be the secondary payer.
Thank you I was already fed up with him and him smacking his lips at 6 mins. Then started reading the comments and was hoping for some one like you to tell me what time any important info started. Thank you so much!
Great video with lots of very useful information! I think your videos are well-balanced. They educate us so we can decide what we want to do for our particular situation. Thank you!
Does having a homesteaded property protect it from being forced into sale? I know homesteaded properties are protected from liens so was wondering if that applied to nursing home bills.
Seeing loved ones get care from social services "visiting angels" at home services sickened me. The cleaning was limited or not at all, the spending time with elderly limited, especially when they keep a head set on and take to other ppl. Seems most of their time was spent stealing things, smoking, playing on cell phone (face book etc). Some even had the nerve to walk in and ask where the patients drugs are, or walk in and ask why 2 doors in the house are locked (meds, valuables), or walk in and ask how many bed rooms the house has!!!
I just found this on 6/5/2021. My Mother died at 97, the Nursing home want me to sign her house over to them. She pass away before they could get it. I was so happy they did not get it.
Let me tell you what happened in the nursing homes during corona virus. Staff quit, the hospitals got paid for every person diagnosed with Corona. No one was allowed inside the nursing homes. Not police, not omi. No one The nurses aids were taking care of 65 people each. The patients were dying from neglect but the home said they had presumptive corona. They profited while no one could see what was happening. Not all homes were like that but I know some were. No check or balances. Ethics in question for paying to have Corona.
That's not all when they send those nurses into your home they call social services. My husband wanted to stay at home after his strokes and I said fine so he was in a hospital bed and the social services tried to get me to sign a paper signing the house over to them for him to stay in a nursing home. We finally had to move to town to get away from them. when I finally did put my husband in a nursing home for the last week of his life he was there a week and our house was worth half-a-million dollars. This was harassment and many old people would fall for but my luck I was 20 years younger and could fight.
Hitting 65 this year, I already did a Ladybird deed to daughter on the house. Told daughter of medicaid lookback window. I think it's been 3-4 years ago now. So hopefully I don't lose the home to medicaid
My mother who was in Shreveport, LA, living in Stratmore Nursing facility for 4 years and enjoying her life. On Medicare no bills no worry 84 years young worked all her life. She lived at home up until she had a stroke and needed assisted nursing care. My uncle, her brother who worked for the post United States Postal Service for 42 years died and left my mother $270,000.00. Thats when the vultures of our corrupt government with their wicked laws steps in and totally destroys her life and mine. What the hell is my mother going to do with $270,000.00 dollars? She’s in a wheelchair and has to have help to bathe and other assistance. Now she has to start paying her own way, healthcare, medicine, insurance. We can send billions to foreign nations, allow all the illegal immigrants to enter into this what was once a great country and give them free everything, but we can’t take care of our own. I know $270,000.00 may seem like a lot of money but it’s not enough to sustain you when you have to pay out $6000.00 a month out of your pocket. Oh no! My brother who was the clerk of court for Caddo Parish for 16 years gets his crony attorneys to set up a trust. You see, everybody who profits from your good fortune is the attorneys who you have to hire because the laws are so corrupt. The whole system is a scam. Oh it gets better. My brother who set up the trust and is the trustee and board member of the bank the trust was set up in gets diagnosed with cancer and has 9 months to live and passes away. Guess who inherits the mess, me. The last living survivor, gets it all thrown on me. I move my mother to Alabama and call the attorney she (by my brothers hand) spent all the money to set up the trust in Louisiana and low and behold he can’t help me because my mother no longer resides in Louisiana and advised me that I needed to hire an attorney in this area. More money to the attorney crooks. Let me say with much confidence, if you live in the Shreveport, La. and you need nursing care for your elderly parent. STRATMORE is a great place. BUT, If you live in Louisiana PERIOD , I suggest, move, get the hell out. My mother lived in our home for eleven months until we could not care for her as we could not facilitate her needs. Moved her into a care facility 5 minutes from our home. Two months later she has a stroke and they will not accept her back and her care skyrockets to $7,000.00 a month in Alabama. We have to find a place that will accommodate her according to her budget so she don’t run out of money!!! We move her to Gulf Breeze, FL. to Gulf Breeze Court Yards assisted living and 7 months into her stay the conditions were so horrible the State of Florida closed the facility. COVID-19 , you know Covid 19 hits while she’s in GBCY and we can’t enter for 2 months. That’s how long it took me to find another facility, hire an attorney in Florida so we could even get her moved because of COVID-19! I visited my mother through a window for the next 7 months. My mother will run out f money before Medicare kicks back in! Do you really think any of these crooks gives a damn about you are your elderly parents? They are euthanized by the greed of the corrupt government. Paul, I’m not saying you personally fit into the shoes of these careless bastards. You are taking the time to educate people and for that I respect you. But my story is what the factual reality is when your parents get old and they get thrown around like trash in a world that’s going straight to hell. We have lost our morale compassion for each other and the United states of China is going down. Nursing homes, The Government, attorneys, don’t give damn about you are your elderly parents. I’ve experienced it FIRST HAND. THERES so much more to this true life nightmare, but who cares, it will most likely get deleted anyway. NO ONE CAN HANDLE THE TRUTH ANYMORE! If you trust in this world your a fool. Gods Bless all who know the Lord Jesus Christ who put their trust in him and obey the truth.♥️🙏
How sad is that. It is unfortunate that everything boils down to $$$. Whatever happened to compassion? I'm not sure this is what I want to be encountering at the tail end of life.
@@l.b.5892 Make a good will and trust Hopefully you can find an attorney that won’t gouge. I believe everyone deserves a living, but not a tremendous fortune. We all should wake up and get prepared...right?
@@viviansymank1646 I have both a will and living will and my children know my wishes. I'm thinking of s trust fund so I'll be giving my lawyer turned good friend, a call for sound advise and updating my will.
You need to see an estate planning attorney-Medicaid laws are different in every state. In reality try to avoid nursing homes. There is not a single nursing home that is safe. NONE! I took care of my mom for 15 years and I had to do total care. I love my mom and I am glad I did it. Mom was very comfortable in her own home. Considering she was IDDM and a host of chronic illnesses and end-stage Alzheimer's, doctors said I REALLY took good care of her and amazed she lived to age 90. Alzheimer's did not kill mom, but the complications of her IDDM (insulin dependent diabetes) resulting in chronic kidney disease. She even died with perfect skin. I would rather cut off my own arm before putting mom in a nursing home. Mom always had excellent accuchecks. I knew how to manager her sugars like a pro!
Irrevocable trust topic scenario. If I put my house in an irrevocable trust and say in two years I want to move.. then what? Who can sell the house that’s in the irrevocable trust? Next: life insurance policies for $30,000 each for each spouse and how do they or can the beneficiary be the irrevocable trust. Or can the policy owner be the irrevocable trust?
Thank you for doing these videos! You did our planning about 8 years ago. We need to come in again to update a few things post flood and talk about our parents situations. It may be too late for them. :(
When my dad had to be in a nursing home for the last 30 days due to an aggressive lung cancer. The nursing home tried to force me in signing over the property to them. I didn't sign anything over. So be careful at what paperwork you sign.
Im an case worker.. Rules must be different from state to state. Here in MN, cap assets is 3000 - All assets are counted.. Special needs trust are exemptible, but have to be review by county attorney. Oh, 1st car does not count as assets, 2nd car does...LTC must be different, but you must meet requirements for Medicaid to be on LTC, so rules must be different. Plus you have to cover medical spend down if clients move into SNBC (special need basic care).
Fantastic video! Thank you so much for the detailed explanations. The scenarios enabled me to digest the unfamiliar content easily. You anticipated my questions and answered them thoroughly. I subscribed and look forward to learning more.
I just last week established a revocable living trust with the expectation that I would qualify for Medicaid! My attorney never brought this up. OMG! My head is going to explode. I have started to fund it, and now I guess I should pause. Thanks for the information!
I joined the meeting late, so don't know if you covered my dilemma. I'm in my late 60's, and have only one child. I own a home, which I want my child to inherit instead of losing it to a nursing home. Should I transfer to him now?
I’m 85 years old now but able to take care of myself still but I know at some point that will change. I just hope that when my time comes to require a nursing home that I have the courage to close the garage door, start my car and go to a forever sleep. That is my plan, want my assets to go to my kids. Life has no value in a nursing home.
The state rarely, by rarely I mean I've never seen it happen, where the state will look for assets a person has buried or hidden right before going into a nursing home. Its common people don't plan for this and legally the state can go back and literally reverse property sales that had happened within the prior year, I've just never seen it happen. If a person has assets when they go in, the state will do what's called a spend down, what he is talking about here. I'll watch this completely later and comment better. people need this info. Thank you for your video.
My husband and I were discussing this ... my mom is in an assisted living facility in a small town and she’s the only one who is not paying private costs... she likes it there and she owns nothing and has no savings, a home, a car, nothing... just her sweetness.
Suggestion: your form asks something like "Where Do You Live?". In effect, you want a state name. Perhaps it should say "in which state is your primary residence" and provide a dropdown list. I look forward to seeing your online platform.
My best friend, worked in a nursing home, she told me that the patients that had regular visitor's were well taken care of... so see your parents or grandparents, often. Drop in at unexpected days and times and often.
How do you keep the state from taking your home to pay back medicade?
@Randall Swanson Yep!!!
So true Paula. I went every day and kept very close and by first name with all the staff..... Helped a LOT
You are so right, my grandmother received better care because we took turns visiting her throughout the week and never let her feel as if she was abandoned or forgotten. We made sure the staff knew we were watching over her regularly and asking her how she was being treated. She was in a convalescent hospital when we could no longer give her proper care and didn’t live long afterward from cancer but she knew we loved her right up to the last second.The elderly deserve our love and caring, they gave us so much.
So true. VISIT.
I took care of my dad that lived blind and deaf till he was 93. He died at home and I inherited everything..... Honor thy father and mother.
It's more than that, if people would love The Lord with all of their Heart, Soul and Mind, stop sinning, repent & Give Him Glory then God will Honour their prayers and wishes.
God bless you, my friend..
@@seeDiersoilcrossrowds Please leave your religious rants in your back pocket.
@@halc.2899 bot or not ~ You will remain completely blind to the presence of God, until you confess that Jesus is Lord, repent and start living a sinless life. Everyone is bound by what they believe. Everyone is either fruitful or garbage, thankful or thankless, righteous or a reprobate, has love for the Lord or hate, then there are the lukewarm. He gives you a choice, which you should be thankful for but are not. If you respond back I know you're not a bot.
@@halc.2899 You make no sense.
My husband and I took care of my mother for 13 years before she died. It was the best time of our lives. Sure it was hard the last few months, but the time we had with her was so precious.. We still talk about the memories, and she has been gone almost 9 years. The thought of putting her in a nursing home never crossed our minds.
You guys are awesome kids. Your mother was Lucy to have children like you and your husband.
That’s not always an option if problems with severe medical or mental abilities arise.
I wished I had a daughter like you! My daughter is so "busy" even though she doesn't work outside the home and both her children are in school! She rarely ever called us or will answer the phone when we call her. Funny considering we still pay her cell phone bill...she's 39yrs old.
@@Terri_Hugs I know that pain. I have a daughter, my only daughter who is about her age. She is very much the same way. It hurts, but her children are grown and married and they call and are interested in our well being. We just pray that the Lord will provide the help we need when the time comes. I pray the same for you. I can't wait to see my mom in heaven. We will have eternity to share!
@@Terri_Hugs you can joke with her and tell your daughter you are giving the free phone service to someone that will call you instead.
Great video, rising cost of nursing home care poses a significant threat to both homes and life savings. As individuals age, the prospect of long-term care becomes a pressing concern.
Without proper planning, the expenses associated with nursing homes can quickly deplete one's savings, leaving families in financial distress. It's crucial to explore strategies for safeguarding assets and consider consulting a financial advisor well-versed in eldercare planning.
Implementing asset protection strategies, such as long-term care insurance and legal planning, becomes essential. Seeking guidance from a specialized advisor can help navigate these complexities and secure a more financially resilient future.
Absolutely. The financial impact of nursing home expenses can be devastating, affecting not only the individual's quality of life but also the inheritance they leave for their loved ones.
Your experience resonates with my concerns for my aging parents. Could you share more about the specific strategies your advisor employed to protect your family's assets from nursing home expenses?
@@Linda.xing-tj2fh??
I took care of my mother in her home until she was 93 she died in my arms from cancer my brothers and myself shared in her estate as she wished,take care of your parents when they need help as they did for you
What if your home does not have handicap facilities? What if they are so ill that you can not get them in and out of your car to take them to the doctor? What if they require medications delivered by a registered nurse and you can’t afford a nurse? What if you have no siblings to help? DO NOT JUDGE!!!!
That's great that you were able to do that, but it's not possible for everyone. You shouldn't be telling other people what they should do, sorry.
My Mom gets the sundowner behavior from alzheimers. She is angry, loud and abusive when these episodes occur. She leaves her apt and bangs on neighbor's door, while yelling. Now in the care center from a broken hip, she at times refuses to take her pills. Other times she is sweet as pie.
@@breezybird403 alzheimer's disease people have in theire live not from sky. Medication, prescribed by medics that people use for life is caused alzheimer's disease.
Chemicals to use to make pills destroy people 's very sensitive brain. All medics know this!! Medics sell prescriptions & it's the easiest way for them to get rich.
Great if you can. For my mom, we did this. My dad and his wife, not happening. So not happening. Watching them struggle with care because they rejected planning advice is painful but oh well.... I can only learn from the process
My first job was as an nurses aid in a nursing home in 1969. II have never forgotten how many residents were forgotten by family and friends. Therefore, when we built our home in 2007 we made sure we put everything we would need in our elderly years would be on the main level. A walk in shower, wide hallways, etc. We also installed a backup generator so everything we need will always be in service. We have bedrooms upstairs and in the finished basement so if family members need to move In there will be a place for them. And my kids are willing to be be here when we can no longer care for ourselves.
My mother was in a nursing home in CT and I visited her one day and a man in a wheel chair in the hall was singing loudly and constantly. By law, the nurses could not stop him. Imagine being a resident with him right outside your room !! It was awful !!
@@barbaracalabro873 - My mother was in a nursing home in CT and the male patients were going into the womens wards and having sex with them.(attempting to) I visited there one day and her roommate was inviting a man into her bed. I, with great difficulty managed to find a nurse/helper and she dragged the man out of the bed and sent him packing. Another time I visited my mother and she was lying crosswise on the bed and a large (tall) man was lying on top of her. I ran for help. I moved my mother 3 times into 3 different facilities. I had to work every day and take care of my children so I was at my last oz. of strength. Finally my mother broke her hip, falling out of bed they said, and after a while in the hospital she died.
Now I am at the last of my life and doing everything I can to keep from having to go to the nursing home.
@@grandmajane2593 That’s incredible. My mother finally needed round the clock care and was going into a home in a few weeks but she passed right before. My father was going too to be with her. Plus I noticed you said “ roommate” which would be my biggest fear in life aside from just being in unsafe from assaults.
@@VelveteenRabbit77 - Well perhaps "room-mate" was not the correct word to use. The nursing home had rooms, each containing two patients, so it wasn't a typical roommate situation. The men and the women had seperate wards, but I noticed the men had a habit of hanging out in the halls around the womens section. Not a bad thing, but most of the patients seemed to be pretty far advanced in their dementia, together with a lack of staff - it wasn't nice. I feel so badly about it. But now I'm 87 and trying to stay home myself. I don't think it will happen to me, I like to think I still have my wits about me.
Some children, have not "forgotten", but no one wants to tell the lady in the nursing home, her son has died. I will keep telling Charlotte her son is in the Durham area, rather then tell her he has passed away after getting a booster. Charlottes two brothers also died. Do you want to tell her? It's weird. Also, one former state senator, outlived everyone he knew, so, shockingly, after his passing, there was not even a newspaper obit, about his passing. It's not that no one was visiting, his circle passed.
Consider adding a bedroom with full bath to your home, with full handicap features (wheelchair accessible doors, grab bars in the shower, extra space in the bedroom for medical equipment). This will allow the family to care for the elderly to the end or at least until the care required exceeds the caregiving capacity of the family, thereby shortening the time in a nursing home. Hiring a home health nurse to cover the evening shift will allow the rest of the family to get decent rest. It is expensive, but much less expensive than a nursing home. We have cared for family members for years, well beyond age 100, in my home this way, without resorting to a nursing home. We do have RNs in the family, but basic home care can be learned by almost anyone.
Most could never afford to add such. So, elders get warehoused to get shelter & care, because, Most families are struggling to exist, so lack anyone at home to do caregiving. And/or, their elder abused them, & they want nothing to do with abusers. Or, the family member can barely care for themself due to disabilities.
Hiring a home caregiver might work very well for some…BUT, rarely for many, due to the human nature of struggling, poor, desperate to survive caregivers, combined with low wages, etc.
what I’ve seen, for decades, is that it’s extremely hard to find reliable, decent, honest caregivers to come to the home. When I had to enlist hospice to help with mom’s DH, many who came, looked worse off health wise, than him..like they should have been the patient…working wounded.
It ain’t pretty nor easy. The systems we have, prioritize profits going to the top, not the working staff that actually earns the corporation it’s profits. The algorithms used, constantly echochamber & funnel us into smaller boxes, reduced choices, & more limits, because those are what optimize profits at the top.
THAT needs to get changed, to allow better equity.
Til then, we’re stuck at the “mercy” of institutions.
If that model is allowed to continue, it won’t be much longer before we really are 100% trapped in Orwell’s dystopian model. We are maybe about 80% trapped in it right now. Yeah..really.
Excellent advice. I'm in the process of doing this now. Putting an addition on my home with first floor bedroom & bathroom (which the house does not otherwise have), all handicapped accessible. My wife and I are 63 and in good health, but anticipating the future probabilities. 👍
Gary K Nedrow. The problem is caregivers want about $20 an hour to stay awake all nite which is about $45K a year. Just for 8 hours a nite. Then after a parent falls and was injured they will SWEAR that they were really awake! Not sleeping. You can keep people as long as they aren’t up all night. We have been there it’s so tough! Glad you are able to do it though.
@@VelveteenRabbit77 Understand, home caregivers are generally nurses’ aids, one of the lowest paid trained care providers in the healthcare industry. And, they are hired through Agencies.
The agencies take at least HALF of the $20/hour fees charged to the patient/family. Which means, the nurses aids are being paid only about $10/hr., & usually with little to no benefits.
Same for LVNs & RNs who work thru agencies. Agencies pay lowest wages to workers as possible, fattening the Agency Admin’s pockets off the backs of workers.
This is the same pattern of most all industries: bloated with middle management & even fatter upper echelon CEOs & investors. Workers in most of middle & end-stage Capitalism, are routinely treated badly, fired or laid off first; it is a continuation of “plantation slavery”.
Or consider nursing home insurance! Get in now while your young and its cheap!
Just wished most attorneys out there had your heart to help people, but NO, they have to avoid what you do so they can ripoff their clients for overpriced fees they charge for just talking to you. You are the BEST human attorney out there, God Bless You. Thanks
He's helping people to rip nursing homes off; and to give selfish kids their parents estate.
So, you're OK with people who want the taxpayer to shoulder the cost of their care so that the kids can inherit the assets?
@@elizabethblane201 The point here is that the people that do not save their money, spend every cent they have, are poor investors, etc. also pay little or nothing for nursing home expenses. The people rhat work hard save their money and are responsible and plan for the future spend every last cent the last few years of their life on nursing home expenses. This certainly sends the message to all of us that being irresponsible and spending your money like a drunken sailor is the better thing to do.
@@lindaeferraro you dont understand... the nursing home gets paid by the estate, by long term insurance or by medicaid. They dont get cheated out of their money ever.
@@lindaeferraro so you think it is ok for them to take everything? I just do not understand that logic. I am dealing with this right now and it has been a eye opener how the government has their paws all over everything even to our death beds. My dad died December 8th 2020. My mom had fallen just a couple of months before and had her head gashed open. The land caught on fire about a month before my dad had a massive heart attack. My dad always took care of my mom but never had her do bills. I am telling you it has been a mess. My brother was promised the land and mom even had a will made out that needs to be notarized etc. She was very upset to think they would get the land We did get the name in my brothers name. Our plan is to keep her in her home as long as we can. I personally can’t stand nursing homes. I had to stand up for my mother bc some of my siblings wanted to put her in there. Like I said it’s a long road to travel. I had to take some of her money and put it into a trust just to have money to pay for my moms funeral. They go after everything. It is beyond ridiculous what they do to us. We work all our lives to protect what is ours. And they come along and they take everything away from us and they want to put us in a nursing home and give them everything. Well that makes a lot of sense doesn’t it. Take our last dollar however they can so how do you think that’s OK? This has been really hard on my family. More people need to value their parents and realize they sacrificed their lives us. We should do the same. I don’t think they should have the right to go after land. My personal opinion. I realize they need to be paid. I also realize home care is a better option if one can.
My wife’s sister got dementia and her husband left her home alone , didn’t give her the prescriptions she had been prescribed . She came to visit and when we discovered her medication was 3 months behind we took her into our family Doctor and kept her about 4 years until she passed . On her new meds she was deemed competent and divorced that SOB . This was hard to do but we learned as we went was a big wake up call , life is short ❤️❤️
You sound like a kind man. You're wife is fortunate to have you as her husband and I'm sure the same is true about you being fortunate to have her also. Thank you for sharing how you helped her sister.
My dad lived with us for 2 1/2 years and it was one of the best things our family ever did. It was ridiculous to put him in Assisted Living when he just needed someone to drive him around and help with taking his meds.
The "Trustees of my Parent's Trust" and the Estate attorney are trying their damndest to force ME out of my house! Why? THEY'LL GET A HELL OF-A-LOT MORE MONEY!!! Ever met an HONEST attorney you'd buy a used car from??? 34 years I worked as a Deputy Sheriff In the Medical Examiner's Office. I've testified like "Dexter" in over 3600 trials. Truth means NOTHING in Court! How much "justice" can you afford??? The attorney and Trustee's are already getting more than EIGHT TIMES as much as my $2000 a month. Since 2016 you CAN'T LEGALLY "home care" someone on Medi-don't-care. I took care of my Momma's Daddy in this house for five years, then I took care of Momma and Daddy with my late sister. Daddy died first, then my sister, then Momma will be two years ago. Momma had osteoporosis so bad she broke her collar bone and hip turning over in bed at home. I had no options but to put her in extended care after she left the hospital. They broke her Pelvis changing her bed! She died about two week later of "COVID -19" so the nursing facility could get the $128,000 "Covid Bounty". I necrospied her MYSELF took the photos and she died of a GREATLY enlarged (the size of a cow's) heart or coronary insufficiency. I got $246,000 off her medical bills. She was 92 anyway, and lived MUCH longer than any of her family, going back 167 years. I've necropsied over 500 people after I was 'retired" that DIDN'T have "Covid" aka SARS 2.02 aka Bird Flu. What ELSE are they lying to us about???
Loving children. Mine flipped
What do you mean 'flipped'? My mom always called Katrina. Have a great day!
@@Angel_eyes___
Some parents easier than others, believe me!
officially, the handling of meds is RN restricted. but there are workarounds if you have a cooperating pharmacist.
as for driving him around… there are alternatives less restrictive than denying transportation and less costly than the full slate of assisted living services.
i am now caregiver to my sibling, my duties include laundry food and transportation. home health handles bathing/hair care, nursing (meds layout into trays) wound care, changing the bedsheets 1x/wk,… OT & PT…
if they qualified for medicaid i would even be paid for my services.
My Mom used to work in a nursing home but she herself never had to have care in one because of my Dad and I taking care of her. We did it for 10 years but she also took care of us. She would still cook my Dad some eggs and she would also do the dishes in a wheel chair and also she would fold laundry. She'd also refill the fridge with pop so it would be cold. These are the small things that she would do in her last year. We would play video games with her and also we'd take her to the casino for fun on special occasions because she would ask. I never let my Mom being in a wheel chair keep me from getting her out of the house. I'm just so glad we were able to take care of her. It hurt me financially but it was an honor to take care of such a loving and good Mother and to my Dad, a great wife.
You were blessed to have things go as they did!! That is more rare.
Bless you for taking care of your Mom. X🙏
Thank you for sharing!
We need more caring daughters like you. My husband died 2 yrs ago in a terrible nursing home here in Florida. I took care of him alone during Covid at home for 18 mths. He had fallen on his head. Was very healthy until that day. I was exhausted. I would visit him in the nursing home every 1-2 days. His sons from MN never came to see him, even though I asked many times. It broke my heart seeing my late husband so sad after a phone call with his sons. They are both almost 50 and should know better. There was a lot of negligence in the SNF. I reported them to the State, which didn’t help. They all stick together 😡
I went through hurricane 🌀 IAN and my house is fixed. Thinking about moving closer to my siblings in TX. Then I won’t feel so alone. I hope I never have to go into a SNF after what I have seen. I was here for my 76 yr old husband. Bedsores and catheter. He was locked up in the SNF for 6 wks during covid. Couldn’t see or talk to him. It drove me crazy. He prob thought I deserted him 😢 I’m sure your mom appreciated everything you did for her. ❤️🩹
I'm almost 73, my husband is 69 and as yet, we remain in good health. But we've not set anything up to protect what we have from unforeseen circumstances, such as either or both of us needing nursing home care at the end of life. I've no children but would love to have something to pass on to a family member who needs it, whose standard of living could be greatly improved from it. This video has just the kind of information I need to be forearmed. Thank you sfor sharing it, Mr. Rabalais!
Don’t wait too long my husband had a mini stroke and he is only 64. We need to see a lawyer immediately. Just in case… we have a child who is also disabled.
But for your state, Ask Case Manager at any Health and Human Services office they will tell about Irrevocable Trust 5 year Look back to when Trust done. That's when Medicaid will pay nursing home costs. Do the trust 5 plus years before needing nursing home. Average Life Expectancy USA 78 so get it done before 73.
I have been working and saving all of my life. Using my savings to prolong a miserable existence in a nursing home would be pure Hell on Earth.
I agree which is why I told my spouse that if ever 'they' said I needed to be put in a nursing home to hand me my luger.
My plan is to just stop eating.
And it’s much worse now, the care & comfort is mostly gone, going to get worse.
Euthanasia would save us a lot of money.
I worked and helped mum and dad in there home stay at home get carer at home If can jealous relatives Tried to get me to put my dad in a home I blocked therr number so cruel ( dad driving before he had a stroke and mum stroke at home and died few hours later in hospital so glad helped them its love
I took care of my husband who had a cervical tumor that took out his whole left side. He got cliff in residential therapy. I had to give round the clock nursing care. At the end he got cancer and was in a nursing home 6 months. I was blessed to have been with him all day. I was blessed even though it was hard.
Blessed are the people who care for their family instead of dumping them in a home.
Some people aren't able to watch their parents.
It’s just NOT that simple!
It is not dumping, that is so cruel to say that. I took care of my 97 year old Mother until I couldn't do it anymore. I am Old and 72 years old with many health problems myself. I couldn't lift her anymore without excruciating back and neck pain. Had NO other family member to help even my twin Sister refused to help. So think twice before you judge people. May God bless you.
You gotta be kidding!! What a dumb thing to say. My dad is 91 and completely unable to care for himself. He now also has dementia. Me, my brother and my sister are in our 50s and 60s and working full time. My mom is 87 and is the only one left who can be with him. You really think an 87 yr old woman is capable of giving 24 hr care to a 91 yr old? Most people are horrified to put a family member into a nursing home, but sometimes, there's just no choice. Stop judging others based on YOUR life.
Thank you! How kind of you to offer such advice and inform us of laws that were passed and not really spoken of.
I definitely wish everyone would HIT LIKE BUTTON or THUMBS UP.
There’s no way to discern the number of people you have saved from losing their homes without being aware of this until their loved one has passed and they are grieving.
You are a caring, kind soul
My home is paid off...thank god we had put all of our assets in our kids name... my hubby had brain cancer and he was placed in a nursing home for 2 weeks after coming down ill with C Diff. I couldn't get over all of the paper work they made me sign... scary when I read the paper work. We had already gifted the house to our kids... this protected our home! Omg! Thank God he was only in there for 2 weeks. What I witnessed in that nursing home was sickening. This is a part of the World many do not get to witness. The stuff you are teaching us all about in this video should be taught to us all when we were in high school. Thank you!!
Great point Connie. Putting the home in a trust before something happens can also protect it.
DONT USE GOD'S NAME IN VAIN!!!
@@onmykneesforYehova I didn't use God's name in vain! I said omg ... thank God....when I use the word OMG for me it stands for oh my goodness. BIG DIFFERENCE! Who are you to judge me you don't even know me? You are never to judge anyone for the Bible states... Bible Gateway Matthew 7 :: NIV. "Do not judge, or you too will be judged. For in the same way you judge others, you will be judged, and with the measure you use, it will be measured to you. "Why do you look at the speck of sawdust in your brother's eye and pay no attention to the plank in your own eye?.
@@cd653 The only folks that do "judge" others, are the GOD fearing types anyhoot.
Most people would not trust the children to that extent. Glad it all worked out well for you. I have friends that had a major medical issue and they were tossed from hospital to rehab to nursing home and now are finally together as they opted for assisted living. BUT, at 6,000 per month they will have drained their life savings. And THEN WHAT ?
Thank you for putting this information out there! My father was beside himself when he realized that he would have to pay all expenses until exhausted, then he’d have to sign over rights to his home to nursing home facility. He paid for 24/7 in-home care for the last 6 months of his life. As you mentioned in your video, fortunately he had his savings. A veteran of the Korean War, and hard working, tax paying man his entire life, felt that he was being penalized. In order to qualify for government assistance, he was required to spend his life savings, while those living on government assistance for years paid nothing. He had no choice other than to accept this fact, but he wasn’t all wrong.
This is so sad. And unfortunately happens to so many people.
My youngest daughter was in a horrific auto accident and in a coma for 9 months. 3 months in intensive care then transfered to a Brain Injury Center in Bradenton Florida. The pier was absolutely phenomenal in every way. She came along long way after she came out of the coma nine months later. Then we transferred her to a brand new facility closer to home. That was the worst nightmare and the worst thing we could have done because the place although beautiful in every way was lacking in continuity of care and all that she gained, she lost while in that facility in Lake Worth Florida. When the insurance (after many lawsuits) finally pulled our of the State leaving us and 3400 policy holders high and dry I was forced to take her home. Alone. A friend helped tremendously but it was 24/7 care and it nearly killed us. Financially It c I st me out of picket $4,600 to $6,200 a month to keep her from going to the county home and hire caregivers through the day time. Two years! Then the Medicaid Office managed to get her on the FL MED-Waiver ADP Program whereby she was able to stay with one of the caregivers home as they wished. This incredible couple cared for her then in their home 27/7 365 days a year for 10 full years! THANK GOD for this couple. 🙏🏻! Thank God for my incredibly successful Medical Massage Therapy Practice I was able to afford her care until Medicaid Waiver kicked in. The gentleman of the team unfortunately and terribly sadly passed away but not until a year after he helped us find a MedWaiver covered group home that was awesome to care for her 24/7 for our ongoing years.
So sorry to have made this to long. Although it's not a snippet of the whole fiasco/ordeal. She now lives in the Beautiful Group Home in Palm Coast Florida and is doing very well going to Day School. The hard part is expenses have gone so far up that I can only see her a couple of times a year where were used to see her every 3 months at least period And I lost my husband in another horrific accident, head-on with a horse in Pigeon Forge Tennessee. And with that I have to now make the trip by myself. I turned 82 this Saturday the 22nd. I don't know how much longer I have can make the trips to see her. And I know my visits with her is what's keeping her going. Yeah they all saying life's a b**** and they you die is pretty well true. You got to look for the Sunshine now and then through the clouds. My prayers to all of you who have been and who are going through so much.
@@vivianmadisonmahoney9457
May God Bless you with trust and also with peace around all these situations.
So the tax payer picks up your father’s 100,000.00 a year tab while he gets to keep assets?
@Kris DeMarco Exactly. One of the reasons you save money is so that you can provide for your own care until the end. Years ago it was shameful to have to use government support. Now it's about making the government pay while you keep everything. Now, I don't think the money should all be drained if you have a spouse. The spouse is entitled to half.
My dad was in a nursing home the last two years of his life. They cared for him very well and we visited a few times a week. He had Parkinson's and suffered daily falls at home, 2-3 times a day. There were up to 7 people going into his home to help with his care including his kids and yet this was not enough. Not all nursing homes are the same. We were happy to see him do so well at the nursing home. We were not able to care for him so well no matter how hard we tried.
Read the fine print of the contract or arrangement. We did and were able to ensure there would be no money-grubbing by the admin.
have Parkinson's as well know how he feels have been having bad mad cow disease (memory LOST) been forgetting a lot of stuff have fallen doing things that I use to love is now getting harder. depression is real bad with me
@@altha-rf1et I am sorry to hear that.
@Yol2000, In a situation like you described, it does make sense to have a parent in a nursing home, but the key is for the adult children to visit frequently and oversee the care that their parents are receiving. It sounds like you were keeping tabs on the caregivers, not just leaving it up to them. So my point is this - I wasn’t saying that it’s always bad to our parents in a nursing home, but if you do have to use this route, it’s important to check on them frequently and be actively involved in their care. Too many people just leave their elderly parents in a nursing home, and they barely ever call them or visit them, which is really sad.
@@libertylover4575 You are absolutely right, constant visits and participation make all of the difference. We would talk to the nurses, the staff, attend the quarter meetings, participate in recreational events, sit at the dining hall with dad, etc. It was so nice to see him nicely dressed and clean. At home he refused to bathe often or change his clothes. I'm writing this so that if someone needs this type of family input they can have it.
We have a distant relative who is going into a nursing home who made us aware to of these Trusts prior to entering a nursing home. I by accident found your video and what a great informative video you made available. Waiting for my hubby to watch your video; we are 73yr & 74yrs old; hope we aren’t too late. Thank you for all your time on this excellent information !
It's never too late to learn. Good luck to you and your husband.
The secret is to keep your mom at home. Have a home visiting nurse/ CNA on-the-clock price may vary based on service needs
Having worked as an RN in nursing homes in the past, I can tell you that the solution for this is very simple and everyone knows about it. Once your spouse CLEARLY is going to have to go into a nursing home, you file for a divorce with the responding spouse agreeing to let you have all of the assets because he/she has become incompetent to manage anything. Then you continue to live together as normal until you cannot do that any longer. When the afflicted spouse moves into a nursing home, he/she gets qualified for Medicaid because he/she has no assets. That keeps the healthy spouse from becoming destitute.
Are POD’s protected from Nursing Homes/Medicaid? My mother-in-law had her home, cd’s, checking, savings all set up as POD. This kept it out of probate, but could Medicaid have claimed them if she had gone into a nursing home?
@@katherinewatson2934 Yes, technically Medicaid can go after those assets ( if the medicaid application honestly lists those assets & or if the medicaid caseworker if smart).
True. This is what our lawyer told my mother as Dear old Dad went downhill FAST. But she broke down crying that " IF " he needed any medical decisions done..she couldn't do A Single Thing to help....I think a Medical Advocate or directive could have by passed that mess.
Anyway...lost hundreds of thousands of the old live savings. And went broke...then Medicaid....and Dad must have known, as he died shortly after accepting the dole.
VERY SMART INDEED!!!!!
The elder care lawyer my Dad hired cost $400 an hour. He is 91 and Mom has Alzheimer's. The lawyer is worth it if you don't have any will or Trusts. My Dad can keep $130,000 of their joint assets for himself, plus his co-op apartment. Mom's care is over $8,000 a month, so he is cashing in life insurance policies to pay for it. If he dies before Mom, his assets will go to my brothers and I. So splitting assets is legal and helpful. I opened up my own checking account for my Social Security deposits when I start collecting.
I had 2 experiences with Nursing Homes as a patient.. The 1st one was the worst I've ever been through. I had undergone bypass surgery on.my leg.. I was assaulted by a nurse , causing severe injuries to the bypass. I saw things that I won't forget.. The 2nd time was after a heart attack for rehab. I absolutely loved it there. The staff was wonderful ,
Best thing I ever did. Got it set up in early 2015...One word of warning is that it's not cheap, but it's well worth the expense. As long as you are paying for their work, have them set up a will, too.
I'm happy that I joined the "Smart Peoples" club.
I just saw this title & immediately knew the easy answer to how to protect your assists from nursing home expenses. Here’s the easy way - Talk to whoever you intend to leave your assets to, in your will. Tell them that they have two choices - 1) All their potential inheritance can be spent on your nursing home, OR 2) They can take care of your in their home, until you die, and then they can have the money that would’ve gone to the nursing home.
Let me play devil's advocate: 1) Will you quit your job while you're caring for the person? (You'll have to; it's a 24/7 job). 2) Where will you get money to pay for your own expenses? 3) There are 21 8-hour shifts in one week. How many shifts can you work? 4) Who will work the other shifts and how will you pay them? 5) Who will take care of your kids/spouse while you're doing this? 6) Will you have to move across country to care for them, or will they move in with you? These are just a few of the questions. I am not making this us; I have lived through this and I know what I'm talking about.
@@elizabethblane201 there are answers to these questions and a nursing home isn't the only one. Our elderly population should have the option of staying in their homes. I believe home care should be affordable and for some below or at the poverty level it should be free through medicare/medicaid. I've worked in skilled nursing homes and wouldn't put my dog into one of them. I'm 68 yo and take care of my Mom 24/7 because I'm retired. Every situation is different. I believe in taking care of my own. Its difficult at times but doable. Homecare through each states council on aging is also helpful.
@@christineblaszczyk1602 That is wonderful that your mom has you and that you are retired and can afford your time/health/finances to be able to do that for her. She is fortunate to have a daughter like you. Very few people can or will do that. 24/7 private home care costs between 10K and 15K a month, depending on where you live. It's not affordable anywhere for anyone. When you say 'it should be free through medicare/medicaid" you show that you do not understand the financial crisis that states are going through, with about 50% or more of their state budgets going to Medicaid. That is the financial reality. Where do you think this money comes from?
That is a bit simplistic but a valiant thought.
@Shutdown News So what did you end up doing? Or did he pass away before you could do it?
I found your web site a month ago. My wife & I are in our 70s & healthy. We are concerned about the UNKOWN future, in terms of care costs. Your videos have helped me understand more of what I must know to protect our assets. THANK YOU!
Thank you, for putting this info on Utube!,! I will be faithfully following your videos. I’m 84, and do not want to be in a nursing home.
Thank you for taking the Time to post these very informative videos. God bless you.
I never thought attorneys like you exist in this world. Thank you.
Although I just retired, there are many who deeply care, but are also frustrated that they can’t do more.
If you want to save some of your time …. video starts after the 38 min mark ;-) and the answer is Irrevocable Trust … also there is 5 year rule that it must be done BEFORE applying for Medicaid.
Living in the world we live today...we will all soon "own nothing and be happy". Enjoy your life now.
Bill goats loves us too. He wants to depopulate us.
Where did this bs saying come from?
@@jayc4715 its not bs...its World Forum Agenda 2030.
Yes I am at work i
Not sure about the happy part, though.
34:55 = why you need this information. avoid crisis planning! plan early, here is critical info.
If you don't know your rights, you don't have any. Thanks for making this video!
The hardest thing I’ve ever had to do was to place my 87 yo father in a nursing home. We went through three before settling on one near my home. It is crucial that someone visit frequently. With shortage of staff in nearly every nursing home, it causes frustration and sometimes the caregivers take it out on the residents. It’s a thankless job and many times they come from violent backgrounds at home. My father was a victim of sheer neglect and bad attitudes. I saw a shift in his personality from strong, confident man to paranoid and fearful. It broke me. But, I could not care for him because he was too big for me to lift. It was a short three months before he died. My mother was emotionally crushed.
Ye
My father was abused the judge did not care he got kick backs. He was murdered there. He came to my sister and I said he was smothered. We each had the dream the same night. Wow
I am truly sorry, This happen with me.😢
You, Mr. Rabalais are a gem! I wish you practiced in my vicinity. I would definitely seek out your services. I kinda feel like a 72 yr old Rabalais groupie! I watch your videos repeatedly! Thank you so much for all your wonderful information!
My friend in Greece had to put her mother in a nursing home. The monthly fee was 500 euros a month that came out of her mom’s pension . And it was a nice place not a hole in the ground. The prices we charge in the US for any kind of medical or senior care is staggering. I am getting depressed. Money rules our life and death. The only thing that gives me solace is they can’t charge anything for our afterlife. Yet.
Countries in the EU have human decency laws which help control otherwise malfeasant corporate greed. The US instead, allows, aids & abets runaway corporate greed…& now, corporations pretty much own the gov’t..we have zero human decency laws, much less enforce anything like them.
Honestly putting myself in a retirement home overseas or retiring overseas sounds way better than growing old here in the US :(
We can’t even age and die in peace here….
@@BigTroubleD Ditto
There is no evidence of an afterlife.
Is that really helpful?@@athena3865
Shortly after my grandfather died, his wife went straight to a senior facility, in her own apartment, had a great social life, got a boyfriend, had a blast!
I wish I had seen most of your vlogs before your vlogs started. I had been sick as well. I was Mom's primary care giver. My elderly, sick, bed-bound Mom got very sick from Nov 20 till Apr 26. I think she missed my brother so much that she grieved silently over losing him. She died just 3 months after my brother. I can't even stand being in her house alone, though I have been back several times, but I felt very anxious the entire time. I wish I had listened to several of these videos earlier...PRIOR to when Mom became so ill. I now know what could happen to me (my estate) when I die. I'm running into many roadblocks as Executor for my Mom's estate. I never knew how hard this would be. I'm way beyond broke with upkeep of her house (utilities, homeowner's insurance, and yard work).
Sell the house 'as is' through an auction house.
Thank you so much for all the amazing information you are sharing everyone. I live in Texas. My husband and I are in our early 70's. Your videos have been such a blessing.
My mom and dad went into assisted living facility when dad had end stage alzheimer and we were able to keep him there til he died with my family being caretakers. I remodeled my home for my retirement but also for my mom to live with me, she is 85. Im a nurse of 43 yrs and am 63 but in good health. She'll never see inside of nursing home. Then hopefully I'll be able to live in my home til my death as all being on one level, ramp to my front deck and my girls are CNA's and my family very close with 6 nurses in the family.
How blessed you already are!!
You are soooo right! Quality of care in nursing home is FAR less than assisted living, but AL costs so much that average american cannot afford it. Its as simple as things like food quality and no appropriate activities to engage their minds. Beyond that poor quality care by indifferent workers is truly frightening.
Thank you so much for sharing your expertise. I am 65 and healthy, no prescription meds. I have been giving a lot of thought to transfering my assets to my son. I now feel comfortable considering a family trust. Blessings to you
Do it for sure From Ontario Canada my kind loving father ww2 British / Canadian vet and my self were bold faced lied to by doctors nurses social services here in Ontario . I was trying to get him into a veterans hospital nursing home which he qualified for a 50% cheaper rate and fantastic care .they pretended to be helping us mean while they took my dad despite me being power of attorney and asked me for permission to send him to a nursing home I had never applied for with a horrible record of abuse investigated by state tv previous I said No 3 times that day as son and power of attorney they sent him any way .My dad was abused 3 times while being an inmate there ,neglected and assaulted by a mid 50ies big inmate aka resident . My dad was admitted to a hospital on intensive car a ventilator.I called the city police and told them I was from out of town but could come to the station to file a complaint of my fathers assault they said no we will come to you . Because I was at my friends house who is in her 90ies I asked the police officer if could talked with him in his car he did not like that . So I walked to the officer car went to get in the front to speak to him he yelled where do you think your going get in the back which I had to lay down on my side to report my dads nursing home assault because the back seat is a steel cage with 0 leg room . Here I am treated like a criminal 62 years old laying on my side in the back seat cage in the cops car telling him that my father was assaulted in the nursing home I had the message on my phone saying so and I wanted it investigated .I knew he was not going to do anything which he told me utterly disgusting. I said so in Ontario it ok for the elderly to be assaulted and no one going to help ( which was bs ) any he said he was not going to get involved equally disgusting. There were many abuses prior from hospitals and social services . There was a prior request for police to investigate my dad was admitted to local hospital for a unitary infection during his stay his legs were smashed from the knee to this feet when he was discharged witnesses and my self visited dad at our house he was very un well and complained of his legs we lifted his pant legs both lower legs were puss and full of infection from wounds which he sustained at the hospital they put 2 tiny bandages on his totals smashed legs witness were horrified I called the local police they would do nothing nothing and started to yell at me . In my opinion all the hospitals staff and the investigators are paid by the same entity so they don’t want to rock the boat . My dad lasted many months on life support and could communicate by writing and laugh at jokes and pray but the doctors wanted to pull the plug on him I had to threaten them with going to off shore and USA alternative press to get them to back of for a time when dad passed away a doctor called to convince me for an hour not to get an autopsy done after he was done I said now want an autopsy conducted . They never called me back or responded . Moral of the story never never trust state medicine or authority they are in bed together and cover for each other . The system is an illusion of freedom . My father and his brothers who fought fascism in the 1940ies was killed by fascism in 2018 sick . Luckily my dad confessed his love of Jesus and asked him to forgive his sins Amen 🙏🙏🙏🙏. Dad would be horrified to see the events today
I’m enjoying the very informative legal advice. I would just advise the younger viewers to think of one more alternative. When I turned 50 I joined AARP solely to qualify for their sponsored long term care insurance program. I have paid relatively small monthly fees, and at age 72 I am only paying $103 a month. This insurance is inflation protected, and provides more than $5,000 a month for life, as well as smaller amounts for home health care, etc. including my social security I will have access to $7000 minimum per month from these two sources, without selling my house or touching any other assets. By starting my LTC insurance so young (50) I have paid ridiculously low premiums all these years, and of course, if I have to use the insurance my premiums stop. At the time it seemed like a goOd idea. Now it feels brilliant. Hope others can benefit from this alternative to relying on Medicaid. Thanks!
good luck when u finally need it - oh sorry , no no no
thank you for sharing I joined AARP at 55 I am now 59 and did not know of this benefit I will call for information so helpful Pat
@@divalouisa7762 best wishes. You may have a bit higher premium than if you’d enrolled at 50, but it will still save you a ton of money! Pat
Read the fine print.
THANK YOU! Long Term Care Insurance is what HONEST people do to help cover nursing home costs, if they can truly afford it.
My parents had everything in a Trust and we still had to pay all the nursing home. (Idaho) Be sure and let people know that some states have passed legislation to stop the loophole of trusts.
Thank you!
Good info, thanks.
As a former Medicaid case m'gr. (retired) I'm not sure why people think they are going to be able to "protect" money from Medicaid just by putting it into a trust. I saw Medicaid go after trusts all the time.
@Randall Swanson Sorry Randall, I could not really say what kind of trusts they were or for how long they had been set up. I just remember that they were not considered off limits. There is a thing called a Miller's trust that is used for Medicaid purposes, but I'm not sure how it works.
Sometimes I wonder if it is not less expensive to hire a caregiver or apply to CARES for caregiver services then to stick a parent in a nursing home. That's what we have done and our Mom is with us and quite happy and healthy at 86.
There's just no reason for a nursing home to cost $9,000 mo. The staff are paid peanuts, the rooms are ultra, ultra tiny. The food is awful, and the "care" is minimum and very basic. My dad was in a room that was about 10 x 14 and shared it with another guy. The bureaucracy of jumping thru medicare hoops and hospital regulations was a NIGHTMARE.
its sad im here to get advice . i have three days to get my dad in a nusring home or take him home and my family try. he ha a tracheotomy, jpeg and callostomy . after u mention that i rather just deplete hus 401k fir home health carw people to help us
@@staciecook5217 that would probably be a better option. My dad was paralyzed from Guillain-Barre syndrome and had no use of his arms or legs the only thing he could move was his mouth. I'd go there and they would put a snack on a tray in front of him which was a dried out cinnamon roll in a cellophane wrapper and he had to look at it until someone came along to unwrap it and feed it to him. Not a paid staff member ... Family. So the very, basics of bathing were done for him, but that was about it. The they didn't feed him, only provided crummy food. And all for the bargain price of $9000 mo
Try $13,800 mo.
Disgusting that these homes charge such exorbitant prices!!!!!
I have a client that was in charge of payroll for a nursing home owner. He want primary owner of 5 nursing homes. His monthly pay check was $32,000/ month clear. His daughters (board members that never attended monthly meetings or worked at facility, got $8,000/month.
This is why my husband and I bought high level long tern care insurance at 48, so we would not be a burden to anyone.
My mother was a slick old bird. When she turned 75 she sold her large home, her car and cleaned out her bank accounts down to less than $10,000 and moved into an apartment and passed the money out to her family. She said she didn't want the government to get it all, and wanted to see her family enjoy it while she was still alive. She made it another 10 years, but her final year she did have to go into a nursing home, they of course got her monthly Social Security and Retirement, but the asset transfer was way past the Medicaid lookback window at that point.
What a badass.
Yes, all you admitted there is that the lot of you are freeloaders, and trash. Get a life.
Good 👍😊 for her Smart lady!
That's my plan
I'm 64/retired and sorry to say to nursing homes I'm spending my savings, stocks, selling my home and traveling etc right now like there is no tomorrow. I'll be 100% BROKE in 15 yrs and enjoying every minute of it right now. They won't get a fucking penny. BTW I have no kids or wife and basically no family left.
G00d man
AWESOME!
The point is the government won't get a penny if you sign the right papers and file them.
They won’t get a penny and you won’t get service!
@@robertmccully2792 THE GOVERNMENT ISN’T TAKING YOUR MONEY. Here’s the rule: if you have money to pay for your nursing home care, you have to pay for it. If you don’t, Medicaid will pay for it. What this guy is talking about is intentionally stripping your assets so the taxpayer pays for your care even though you have money. This is no different than giving away your money and applying for food stamps. Don’t like it? Then either don’t go into a nursing home or talk to the government.
Thank you for your excellent presentation. This was like a wake up call for all senior members to do the needful.
You spent over three minutes on your presentation's introduction. A word to the wise, keep your requests for likes to the end of your presentation. Keep it information dense up front like you did at 5:45. But it took you almost 6 minutes to get to the good stuff. Your information is fantastic however and your jokes are good too. But it takes a real trooper to stick with you for 6 minutes to get there
Nothing is for free. So press the like button and subscribe.
I also sat here and listened to other explanations and interruptions by questions being answered...to get to what I came here for: Put the assets, money into your family trust soon, because of the 5 year look back.
Thanks for the heads-up...I skipped the bullshit segment
Very long winded ….
MOST UA-camrs ask you to subscribe up front…at the beginning of the video…right out the gate…as soon as they start…however ya wanna word it. You’re
getting a plethora of information for free. Stop it!😆
When my mother was in a senior care facility, both my sister and I visited nearly every day. One of us would go at lunchtime and the other would go at dinner time. Depending on our schedules we would switch.
Go different hours they have it down! One who knows! Even hospital nurses wait and they change them just before you are scheduled to come in.
This is an excellent overview of the planning necessary for many seniors. I felt that this was an essential overview of the basics.
Hey you guys out there - never ever beat yourself up if you have to put a parent in a nursing home - most people in thier minds think they would never ever do it which is a normal way of thinking - when it comes to reality things are very different - a lot of the time what is envolved in the care required is so much harder and so much more difficult than you could have imagined - even lifting an older person who is fragile is a mine field - some things you just have to leave it to the profesionals - sometimes its the kinder thing to do
Millions of Asian families take care of their own elderly. Americans are too lazy and selfish to do it.
Thank you for pointing this out
Thank you for always giving examples, it really helps understand everything much better. Love your videos!! Don’t stop making them, very informative.
My mother at one time had a good job, money and property. She started feeling poorly and got dementia. Wouldn't eat. Lost weight. Finally got Hospice care. She spent every dime and died at 80, penniless. My brother and I were her caregivers. I paid for her cremation. So financial planning would've helped her!!!
well she did the right thing, she died with nothing yes to bad that she could not had left you a life insurance but at her age could not get any or least a house. I paid for my mother life insurance for 12 years then sorry POS brother wanted some of it which all of it went to me
We had the same situation with our mom…. It gives me solace having taken care of her cremation and burial,our parents deserve that.
You are correct, most people do not know the difference between Medicare and Medicaid.
So true Nancy! Sad, isn't it.
I suffered a hemorrhagic stroke at 61. At my age, and with my full debilitation, I was able to get my full social security. I also signed up for Medicare and Medicaid. Medicare was able to help me with most all of my medical needs like my doctoring and meds.
However, Medicaid wouldn't do a thing for me. I had to pay a large fee monthly to remain signed up for Medicare, but Medicare has a policy that says if my medical needs could be provided by ANYONE else, then Medicaid wouldn't cover the patients needs. So for many months I was paying for Medicaid and getting nothing for it! Medicare, who also charged me monthly, cavered everything. I finally got smart and dumped my Medicaid! They are worthless!!
@@michaelhesterberg702 I just got put on a med that has a $355 co pay! How am I suppose to afford it?....
I once owned two nursing homes in NZ. And loved the residents, and loved ,and learned from their life’s journey, however at times they said to loved ones, they were not fed , or showered ( not true ). One lady left her daughter two big farms, when I asked her to buy some warm underwear for her mother, the answer was, don’t be ridiculous she’s 90, and won’t live much longer. I couldn’t believe what I was hearing.
So people please remember there are two sides to a story, and age does play mind games at times on facts.
I’ve seen that. What a resident says should be investigated, but some get confused and make false statements. I’ve seen this.
What about debts that you’re paying on? Can the beneficiary be in charge of the trust?
This is wonderful info but it’s overwhelming for the layperson because there’s so much.
You have been a good recourse. We have been reading sources and watching videos to learn more, and I have to say that you have been great.
By far the best solution when you feel it is time to check in a nursing home ( aka death chamber ) is NOT to go to a nursing home !
Take a long road trip, go into the wilderness, fly away to the Last Frontier or take whatever measure is necessary not to become a burden to your family or the government will take it all away from you in a heartbeat .
The government in this case are the tax payers, who feel that people should pay for things if they have the money to do so.
I was on state health insurance when I got paralyzed 5 years ago. Spent 2 years in hospitals and nursing homes. Won a couple legal settlements since then. In order for Medicaid not to grab your money, ask the lawyer to write a check from a local bank, cash it with your drivers license. In my 40s no kids
So the answer is to set up a non revocable trust. Took 30 seconds to type it, 10 seconds to read it, and an hour to watch this video. And you want me to subscribe and like? I’ll be in a nursing home before I can slug through these videos!
Paul--thank you so much for this deep intro to the area! I'm obviously watching it most of a year later, and I'm glad you've gotten a LOT more likes than the 18 you were shooting for during the session!
Thank you SO much!
It depends on the level of care they need and if you are physically and financially able to stay home and care for them
my mother n law had dementia really bad started threatening family members with a knife at that point had no choice
@@altha-rf1et You should've tried medication
@@jaleach123 she was on meds
As we understand it, Medicare will pay for nursing, NOT, assisted Living. With assisted living, you're on your own. Also, Medicare will NOT pay for that wonderful, expensive nursing home you think you want, there are limits to what Medicare will pay. Some expensive nursing homes have allocated a few Medicare beds, but there is always a waiting list for those. It's quite an education when your loved one needs more help than you can give. Nursing home employees are fantastic people who are extremely underpaid for all they do.
Very helpful. Thank you. On another note, I always hit the LIKE button immediately since the UA-cam host was kind enough to post the video. It amazes me that only about 5% of viewers take the half second it requires to hit that button in exchange for a video which takes hours to produce. Just sayin’.
I like your comment! 👍
You are awesome. You popped up on my feed this morning and I’m watching for the first time. Thank you so much. I subscribed and look forward to watching your other videos. What an amazing service and blessing you are providing to so many. God Bless and God Speed.
Let me say one thing. There are many people who need assisted living or skilled nursing home care but their families will not part with one penny to pay for their care. They wanted moms assets for themselves. They will not hire staff. I deal with this daily in hospice. The assisted livings and skilled nursing facilities vary in quality as do elder advocates. I meet many elder advocates who are not working in the patients interest but charge families more per month than a faculty.
I am a 100 percent Service Connected Disabled Veteran. Therefor the VA covers all of my medical needs and disability needs. They also hospitalize me free with no copay. Now if they hospitalize me and find that I need for them to transfer me to institutional care it would seem that I would get that care through the VA and not need to get it from Medicaid thus avoiding payback to Medicaid. So, as a 100 percent disabled Service Connected Veteran, how would this work through the VA?
The VA should cover you in private nursing homes under contracts with them.
My wife and I both have long term care. Bought it 17 years ago
I think it's a good idea for people to dispose/transfer most of their assets while they are late middle age, in their 60s for example, but not yet frail, assuming they have good relations with family. This is how it went in our family and avoided all the complications and state seizing assets.
Understand something: the state does not seize assets for nothing. The state (which is really us taxpayers) is just recovering the cost of the care and services that the parents received. People should pay for their own care and not impose that on us.
@@elizabethblane201 i don't disagree... maybe seize was too aggressive a word
If you worked and paid into Medicare that should cover costs! Do whatever you can to not loose your life savings. If you wasted your money all your life you get medicaid and receive the same care a self pay does. Being frugal costs you in the end
@@crazycatlady1895 Medicare does not pay for long-term care. Medicaid is not the same quality care as private pay;.
@@elizabethblane201 no difference in care. I'm a nurse I ltc. Actually the state provides awesome care. I rarely have a fight for approval of treatment
Thank you so much for all this knowledge I’m going to be a 66 I lost my husband here in a half ago and I have a lot to think about but I’m definitely gonna make an appointment thank you again
Even if you never need to put a loved one into a nursing home, it still makes GREAT sense to talk to an Estate Planning attorney early!!! Have a will! The state template for a will has been updated. Please go verify your will meets your state requiremetns. My mother in laws will was deemed void thus non-existant and had to be fully probated. Grrrr. Please get a will (updated). A irrevocable trust is a complicated document PLUS alot of the complication is moving deeds into the trust. Work with the county to bridge home stead exemption to the new trust. You will loose home stead and have to argue to get it bridged. Yes though to use Living Trusts to avoid probate and irrivocable trusts to also avoid probate but also solve the 5 yr look back re medicaid paying for nursing home (etc). Tnx for this topic.
Even if you have a Will it still goes through probate when there is more than one heir. Only beneficiary accts like life insurance policies are exempt from probate, though they can still be seized by unpaid medical bills of anyone you're legally bound to. Advice to young people: Stop having kids, or no more than one. This is where most people end up if they live long enough, and no one deserves this.
My mom's nursing home accepted Medicaid and was small and wonderful. She was well taken care of and loved the staff - who loved her back!! I agree one should stay on top of your loved one's care. Must be sure even if things seem OK. I was very involved. But make no mistake, many very elder (she was over 90) people need professional round the clock care that is just too expensive for the average person to afford AND even then, is not always as good as in-facility care. Too much sentimentality about keeping elders home. Too much greed to try not to lose an inheritance. It's not one size fit all, however, the solution must fit the needs of the elder, not the heirs!!!!
I could have used this in 2017. I had to put my father in a nursing home after he suffered a stroke that exasperated his Alzheimer's. Paying for it exhausted both his life savings and mine. I found about private care group homes and moved him into one of them for the last eight months of his life, which was less than half the cost of the nursing home and MUCH BETTER one-on-one care, but the damage had already been done. I still owe that nursing home $23,000 which I don't have, and even though I inherited my father's house and still live there, I can no longer afford the mortgage payments (I've been out of work since before Covid even started) and I'm about to lose everything, simply because I got no financial advice and thought I was doing the right thing for my father.
You will make a lot when you sell the house in this market. You will still have a nice inheritance.
File for Chapter 7 Bankruptcy.
@@shauna996 so then he'll have money but be homeless?
Your videos are very useful and provide lots of information. I have received lots of help after watching this post, please continue to share this kind of information. Thank you.
Everyone should walk through some nursing homes to see what they are like, even if they are not visiting anyone. Go in unannounced (sneak in if you have to). You will never want to go into a nursing home. Some smell like pee and poop. Some of the food is hot dogs, canned peaches in heavy syrup and cake for dessert (really great for diabetics), cold, unpalatable food that goes uneaten. I've smelled alcohol (not sure if it was on the breath of a resident or staff). Beds without bed rails for residents who are fall risks. Take care of your health the best that you can. Try to find a way to stay in your own home (physically and financially). I have no intention of ever going into a nursing home.
Be aware that being on Medicaid may affect affect which nursing home one goes into and definitely can affect the quality and type of medical care one receives outside the nursing home.
Right you are, no one running a good home really wants medicaid residents unless they're skilled. in Oklahoma medicaid only pays about 4500 a month, medicare pays 7500. its actually 147.50 per day and 247.50 if memory serves I don't like going after skilled residents because its a little hit and miss it seems, you can do better trying to get the rug scores up, if your nurses are charting everything and you have a good MDS person you can get a little more money out of everyone that requires more intense levels of care. doesn't seem to stress the nurses as much and ultimately, mainly the residents. I just don't like to run a bunch of skilled residents through there, most people do just trying to get paid a little more. To me that seems like a different business and a nursing home you should be trying to create a peaceful atmosphere
MediCADE or MediCARE? Two different things.
@@Hugh_Manitee Neither. It is Medicaid. Every provider wants to minimize Medicaid patients. For eligible seniors with Medicare, Medicaid can be the secondary payer.
I'm single and 55. This was a very eye opening video. Thank you.
Fast forward to 44 minutes to hear what to do.
Thank you
Thanks bro.
Sincerely..... thank you!!!!
Thank you I was already fed up with him and him smacking his lips at 6 mins. Then started reading the comments and was hoping for some one like you to tell me what time any important info started. Thank you so much!
400 videos he said how many are a waste of time?
Great video with lots of very useful information! I think your videos are well-balanced. They educate us so we can decide what we want to do for our particular situation. Thank you!
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Exactly! If you want to leave someone something give it to them while your living and can see it done. Not hope it get's done after your gone.
Does having a homesteaded property protect it from being forced into sale? I know homesteaded properties are protected from liens so was wondering if that applied to nursing home bills.
Are you in Alaska? Didn't think there were any homestead property left in the United States, except a few remote regions of Alaska.
Seeing loved ones get care from social services "visiting angels" at home services sickened me. The cleaning was limited or not at all, the spending time with elderly limited, especially when they keep a head set on and take to other ppl. Seems most of their time was spent stealing things, smoking, playing on cell phone (face book etc). Some even had the nerve to walk in and ask where the patients drugs are, or walk in and ask why 2 doors in the house are locked (meds, valuables), or walk in and ask how many bed rooms the house has!!!
Purchased a twin home with two mirror units. Mom who is 88 lives in one, and my spouse lives in the unit next door. Ideal situation so far.
I just found this on 6/5/2021. My Mother died at 97, the Nursing home want me to sign her house over to them. She pass away before they could get it. I was so happy they did not get it.
Let me tell you what happened in the nursing homes during corona virus. Staff quit, the hospitals got paid for every person diagnosed with Corona. No one was allowed inside the nursing homes. Not police, not omi. No one
The nurses aids were taking care of 65 people each. The patients were dying from neglect but the home said they had presumptive corona. They profited while no one could see what was happening. Not all homes were like that but I know some were. No check or balances. Ethics in question for paying to have Corona.
The home should be a non accountable asset if that is her primary resident.
That's not all when they send those nurses into your home they call social services. My husband wanted to stay at home after his strokes and I said fine so he was in a hospital bed and the social services tried to get me to sign a paper signing the house over to them for him to stay in a nursing home. We finally had to move to town to get away from them. when I finally did put my husband in a nursing home for the last week of his life he was there a week and our house was worth half-a-million dollars. This was harassment and many old people would fall for but my luck I was 20 years younger and could fight.
Hitting 65 this year, I already did a Ladybird deed to daughter on the house. Told daughter of medicaid lookback window. I think it's been 3-4 years ago now. So hopefully I don't lose the home to medicaid
My mother who was in Shreveport, LA, living in Stratmore Nursing facility for 4 years and enjoying her life. On Medicare no bills no worry 84 years young worked all her life. She lived at home up until she had a stroke and needed assisted nursing care. My uncle, her brother who worked for the post United States Postal Service for 42 years died and left my mother $270,000.00. Thats when the vultures of our corrupt government with their wicked laws steps in and totally destroys her life and mine. What the hell is my mother going to do with $270,000.00 dollars? She’s in a wheelchair and has to have help to bathe and other assistance. Now she has to start paying her own way, healthcare, medicine, insurance. We can send billions to foreign nations, allow all the illegal immigrants to enter into this what was once a great country and give them free everything, but we can’t take care of our own. I know $270,000.00 may seem like a lot of money but it’s not enough to sustain you when you have to pay out $6000.00 a month out of your pocket. Oh no! My brother who was the clerk of court for Caddo Parish for 16 years gets his crony attorneys to set up a trust. You see, everybody who profits from your good fortune is the attorneys who you have to hire because the laws are so corrupt. The whole system is a scam. Oh it gets better. My brother who set up the trust and is the trustee and board member of the bank the trust was set up in gets diagnosed with cancer and has 9 months to live and passes away. Guess who inherits the mess, me. The last living survivor, gets it all thrown on me. I move my mother to Alabama and call the attorney she (by my brothers hand) spent all the money to set up the trust in Louisiana and low and behold he can’t help me because my mother no longer resides in Louisiana and advised me that I needed to hire an attorney in this area. More money to the attorney crooks. Let me say with much confidence, if you live in the Shreveport, La. and you need nursing care for your elderly parent. STRATMORE is a great place. BUT, If you live in Louisiana PERIOD , I suggest, move, get the hell out. My mother lived in our home for eleven months until we could not care for her as we could not facilitate her needs. Moved her into a care facility 5 minutes from our home. Two months later she has a stroke and they will not accept her back and her care skyrockets to $7,000.00 a month in Alabama. We have to find a place that will accommodate her according to her budget so she don’t run out of money!!! We move her to Gulf Breeze, FL. to Gulf Breeze Court Yards assisted living and 7 months into her stay the conditions were so horrible the State of Florida closed the facility. COVID-19 , you know Covid 19 hits while she’s in GBCY and we can’t enter for 2 months. That’s how long it took me to find another facility, hire an attorney in Florida so we could even get her moved because of COVID-19! I visited my mother through a window for the next 7 months. My mother will run out f money before Medicare kicks back in! Do you really think any of these crooks gives a damn about you are your elderly parents? They are euthanized by the greed of the corrupt government. Paul, I’m not saying you personally fit into the shoes of these careless bastards. You are taking the time to educate people and for that I respect you. But my story is what the factual reality is when your parents get old and they get thrown around like trash in a world that’s going straight to hell. We have lost our morale compassion for each other and the United states of China is going down. Nursing homes, The Government, attorneys, don’t give damn about you are your elderly parents. I’ve experienced it FIRST HAND. THERES so much more to this true life nightmare, but who cares, it will most likely get deleted anyway. NO ONE CAN HANDLE THE TRUTH ANYMORE! If you trust in this world your a fool. Gods Bless all who know the Lord Jesus Christ who put their trust in him and obey the truth.♥️🙏
WOW. The system is all about $$$$$.
How sad is that. It is unfortunate that everything boils down to $$$. Whatever happened to compassion?
I'm not sure this is what I want to be encountering at the tail end of life.
@@l.b.5892 Make a good will and trust
Hopefully you can find an attorney that won’t gouge. I believe everyone deserves a living, but not a tremendous fortune. We all should wake up and get prepared...right?
@@viviansymank1646 I have both a will and living will and my children know my wishes. I'm thinking of s trust fund so I'll be giving my lawyer turned good friend, a call for sound advise and updating my will.
Amen
You need to see an estate planning attorney-Medicaid laws are different in every state. In reality try to avoid nursing homes. There is not a single nursing home that is safe. NONE! I took care of my mom for 15 years and I had to do total care. I love my mom and I am glad I did it. Mom was very comfortable in her own home. Considering she was IDDM and a host of chronic illnesses and end-stage Alzheimer's, doctors said I REALLY took good care of her and amazed she lived to age 90. Alzheimer's did not kill mom, but the complications of her IDDM (insulin dependent diabetes) resulting in chronic kidney disease. She even died with perfect skin. I would rather cut off my own arm before putting mom in a nursing home. Mom always had excellent accuchecks. I knew how to manager her sugars like a pro!
Irrevocable trust topic scenario. If I put my house in an irrevocable trust and say in two years I want to move.. then what? Who can sell the house that’s in the irrevocable trust? Next: life insurance policies for $30,000 each for each spouse and how do they or can the beneficiary be the irrevocable trust. Or can the policy owner be the irrevocable trust?
Thank you for doing these videos! You did our planning about 8 years ago. We need to come in again to update a few things post flood and talk about our parents situations. It may be too late for them. :(
When my dad had to be in a nursing home for the last 30 days due to an aggressive lung cancer. The nursing home tried to force me in signing over the property to them. I didn't sign anything over. So be careful at what paperwork you sign.
Wow that is disturbing in all ways 😕
So who paid?
Im an case worker.. Rules must be different from state to state. Here in MN, cap assets is 3000 - All assets are counted.. Special needs trust are exemptible, but have to be review by county attorney. Oh, 1st car does not count as assets, 2nd car does...LTC must be different, but you must meet requirements for Medicaid to be on LTC, so rules must be different. Plus you have to cover medical spend down if clients move into SNBC (special need basic care).
Fantastic video! Thank you so much for the detailed explanations. The scenarios enabled me to digest the unfamiliar content easily. You anticipated my questions and answered them thoroughly. I subscribed and look forward to learning more.
What about 401k and roth ira - can those be added to family trust
I just last week established a revocable living trust with the expectation that I would qualify for Medicaid! My attorney never brought this up. OMG! My head is going to explode. I have started to fund it, and now I guess I should pause. Thanks for the information!
I joined the meeting late, so don't know if you covered my dilemma. I'm in my late 60's, and have only one child. I own a home, which I want my child to inherit instead of losing it to a nursing home. Should I transfer to him now?
I’m 85 years old now but able to take care of myself still but I know at some point that will change. I just hope that when my time comes to require a nursing home that I have the courage to close the garage door, start my car and go to a forever sleep. That is my plan, want my assets to go to my kids. Life has no value in a nursing home.
Please don't take your life. Praying for you.
Don't say that
The Indian tribe go up on the mountains and when the time come , well they just go!
There are easier ways
The state rarely, by rarely I mean I've never seen it happen, where the state will look for assets a person has buried or hidden right before going into a nursing home. Its common people don't plan for this and legally the state can go back and literally reverse property sales that had happened within the prior year, I've just never seen it happen. If a person has assets when they go in, the state will do what's called a spend down, what he is talking about here. I'll watch this completely later and comment better. people need this info. Thank you for your video.
My husband and I were discussing this ... my mom is in an assisted living facility in a small town and she’s the only one who is not paying private costs... she likes it there and she owns nothing and has no savings, a home, a car, nothing... just her sweetness.
How does she pay for assisted living?
@@abc-wv4in it comes from her social security check. ..about 90% of her check pays for the facility where she lives. Sorry I just saw your reply.
Suggestion: your form asks something like "Where Do You Live?". In effect, you want a state name. Perhaps it should say "in which state is your primary residence" and provide a dropdown list. I look forward to seeing your online platform.