Sorry - when you say you can't afford more than the payment on your mother's place, do you mean that you have been paying her mortgage, her rent or something?
Nutty - you’ve been given really solid suggestions.
I have a couple of ?s which can make a difference for you IF she moves into a facility & on LTC Medicaid.... so house you both live at, it’s mom’s, correct? Like only in her name as how it reads on property tax bill? Does it have a mortgage? You mentioned affording “payment on her place”, so is there still a mortgage? Is mom’s monthly income (like her SS check) truly needed to keep the household costs afloat? You’ve lived with her in her home now 2 years, right? Does your ID, mail, drivers license, voter registration show that address & have it established as your address for that whole 2 yr period? Do you have another job besides being your mom’s caregiver? If so is it a full time job?
In general, Medicaid will place a lien on the home that gets paid when mom dies.
Some states have a provision that if you've been a family caregiver for a certain amount of time, you are able to remain in the home and the lien does not come due until YOU die or leave. You would be responsible for paying all costs associated with the house.
The folks at the Medicaid office can explain this to you better than I can
Go to your Local Social Service office. Find out what you need to get the application started. If Mom has no assets, other than a home, is just getting SS and maybe a pension it should go easily.
I have been living in her house for 2 years now with her and have had her almost 4 years. Do you think they will take her house out from under me, as I have no place to go and can’t afford to pay more than the payment on her place.
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I have a couple of ?s which can make a difference for you IF she moves into a facility & on LTC Medicaid.... so house you both live at, it’s mom’s, correct? Like only in her name as how it reads on property tax bill?
Does it have a mortgage? You mentioned affording “payment on her place”, so is there still a mortgage?
Is mom’s monthly income (like her SS check) truly needed to keep the household costs afloat?
You’ve lived with her in her home now 2 years, right? Does your ID, mail, drivers license, voter registration show that address & have it established as your address for that whole 2 yr period?
Do you have another job besides being your mom’s caregiver? If so is it a full time job?
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Some states have a provision that if you've been a family caregiver for a certain amount of time, you are able to remain in the home and the lien does not come due until YOU die or leave. You would be responsible for paying all costs associated with the house.
The folks at the Medicaid office can explain this to you better than I can
Here is a useful link.