[asphaltgambler]

Short story here: Dad just turned 88 and his health is declining. My mom passed on three years ago and he is living alone. Dad is currently recovering from a stint in the hospital from pnuemonia and a fractured rib (from a fall he had three weeks ago) He is now in an adult care/ re-hab facility and should be out in another week or so.

He has Blue-Cross and good coverage BUT if he were to stay in that adult care facility for more than 22 days continuous the 100% coverage drops tp 80% Then that coverage ends at 101 day continuous at which Medcaid kicks in (I'm told)

He has modest liquid assets totaling @$225,000 in this market and the home place is valued @$ 800,00 in this market.

We consulted an attorney specializing in this area for general fact finding. The attorney tells us that if he is unable to pay and Medicaid kicks in that:

A) The facility can and will have the rights to his monthly SS check to recover for his care

B) Medcaid has the right to recover any and all expenses and will go after any assets including his house which they would sell for tax assesed value at that time

C) Medicaid can and will go back 5 years prior to "uncover" any sheltered assets (like the house)

So..................................does anyone here have current or past experience with this situation? We would like to shelter his assets now if there was a way. I do not think he will live another 5 years honestly but you never know..............