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My mother and I have jointly owned a home here in Georgia for the last 6 + years, both our names are on the deed for the house. However my mother chooses to live in the house alone. Recently my mother who is approaching 84 years old this year has been having more problems getting around, and is on cumatin for her heart, so we have to watch out for strokes, etc. Then just last week she was diagnosed as being diabetic. I am afraid that sometime in the not too distant future she will realize that it is time for her to go to assisted living. So I am wondering if Medicare will want us to sell the house she lives in to cover expenses, in spite of the fact that the house is in both our names. If anyone has any knowledge on this subject that they would be willing to share I would greatly appreciate it. Or if you can refer me to a web site or contact that I can call that would also be appreciated.
Many years ago after my Grandfathers death my Aunt signed on to my Grandparent home as half owner. She took charge of fixing the house when it neededrepairs and making sure it ran well for Grandma. She bought them a new washer and dryer trying to make it easier o her mom.
During the last winter that my Grandma lived in the house she had an accident and was on the floor for over 36 hours. There had been a snow storm any no one was allow on the roads and no one could get to her. The phone wasn't working and my aunt begged the police to take a snow mobile over to the house.
Finally out of frustration a friend of hers who was close to town walked into the police station and demanded the keys to the snowmobile and went out to the house. Medical care got out to her and she went to the hospital and never went home again and never was the same.
When she was put into a nursing home (we didn't have Assisied Living or re-hab's at the time they try to have my Aunt sell the house but she didn't do that. She rented it out for what it cost in utilities and repairs and maintenance. When my grandma passed on 10 years later they still tried to get the whole amount. But by law my Aunt still owned half and she had bills of the cost she had to put out over those years. She got that money back and half of the house.
Some of the money went for the funeral and cremation. The home got some money and no one got rich but my Aunt got some of the money back that she put into the house.
I have also spent 23 years in my life working with Retirement Communities throughout 13 states with hundreds and maybe thousands of different communies. There are many great one but there is also many I wouldn't put my relatives in. There are ways of telling who is what.
I know it won't be easy when the time comes to move her out of her home, and you might find she will be angry for along time. When you move her you need to spend more time with her until she gets adjusted to a new life. My suggestion is to find out if any of these places have daycare services. Take her over afew times aweek let her get to know the place. For the 1st few times you or a member of the family will have to stay with her.
Some seniors become very fearful as they get older, always supporting the new change in their life will help them ajust sooner and you'll get to know what you like about the place and what you don't. Double edge reasoning.
Hope I was some help it isn't always easy to be the responsible person when your parents had that roll and sometimes not willing to give it up.