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Mom is 92, in Skilled Nursing at $14,000/mth and has about 10 months worth of money. She's bedridden, has to be fed pureed foods, and stares blankly at the ceiling. I fear I will file and she will pass weeks later.

You’re not out anything but the effort of doing the application if you file and mom dies. We did the application when my mom was within six months of running out of funds. Ask the business manager of the nursing home if they have any advice. The nursing home my mother was in had an excellent one who walked us through the process at no charge, not everywhere has this, but it can’t hurt to ask. I’m sorry you’re in this sad place with your mother
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Reply to Daughterof1930
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My State you can't do much more than before 90 days. In that time you must spend down the money and get them info needed. Call your County Social Service Office and talk to a Medicaid caseworker and ask this question.
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Reply to JoAnn29
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You apply when your mother had met the asset threshold. This limit is determined and varies by state.

It is wise to consult with and eldercare attorney that has knowledge of the Medicaid LTC application process.
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Reply to AMZebbC
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I agree with AMZebbC. This is the type of situation in which consulting an attorney with knowledge of and experience with Medicaid LTC can be very helpful. The attorney can help you decide whether it makes sense to apply for Medicaid at this juncture of your parent's life.
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Reply to Rosered6
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