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Is your mother over 65 and receiving Medicare?
OK. Medicare should cover a portion of the cost, plus the facility can receive her Social Security benefits. Also, she may qualify for Medicaid benefits if her income is below a certain threshold (~$2500 a month, if she's single).
Qualifying for Medicaid benefits can depend on her assets, but does not include her home if it's worth less than $550,000. Now, the benefit limits can include her investments and stocks, so she'd have to spend that before she's qualify for Medicaid.
Medicaid has a "look back" provision that allows them to go back 3 years and impute any gifts she made during that time as her income. That provision is in place to avoid the exact scenario you are describing. Medicaid will pay for a longer stay than Medicare will.
Yes. That is correct.
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