r/Medicaid • u/Commercial-Buy-2251 • 8d ago
Mom is in Medicaid nursing home she still has house with HOA monthly payments
Mom is in LTC nursing home on Medicaid since Nov 1 and her monthly SSA retirement check goes directly to NH. But she stills owns a house (which is up for sale) that has a monthly HOA fee. Should her SSA check be used to pay for the HOA fee before NH gets the remainder? I'm in NJ
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u/Strange-Gap6049 8d ago
No you'll pY the HoA fees at the closing of the house. Write a letter that your mother is in LTC and at closing you'll settle up. Also atate the first date ghd HoA fee was .missed ftom thus why your om thd ame page.
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u/Commercial-Buy-2251 6d ago edited 6d ago
Think I'll talk to elder attorney first because after house sells were going to use one anyway to set up a 'half loaf' plan which allows me + bro to keep roughly half of her assets (home sale proceeds) without having to give it to Medicaid for her care. I can easily pay her HOA fee out of my pocket every month now and then recoup money when me + my bro split the money after the home sale but being we're going to be using half loaf plan it may be better to let a bill pile up then settle with HOA after the sale. Guess I have to see what lawyer says.
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u/MSalmon21 7d ago
You should always use her Social Security to pay her Nursing Home cost. Medicaid prohibits using her Income for anything else than this unless she has a health insurance premium or other allowance expense and that expense you described is not allowed in any state if she's not coming back home. (Some states allowes a utility allowance but only if patient is certified to come back home under a certain time).
If you don't pay, the facility will kick her out and send her bill to collections.