My mom spent her reverse mortgage and now has no equity left. She does not
get around well, as she just received an operation on her hip, that is slow to heal.
She can not pay her bills, and needs care. It is not possible for her to live with me.
What can she do?
If your mother is facing financial difficulty and does not have the funds to cover her care needs, it is strongly recommended that she (or someone on her behalf) contact Medicaid as soon as possible. Medicaid is a public benefit insurance program that can help offset the high costs of care, such as most home care, adult day care, nursing home care, medical equipment, transportation, medications, etc. It is a good idea to file a Medicaid application right away to help manage your mother’s finances for the future and learn more about the options available to her. For more information, please contact 1-800-MEDICARE, or visit the Web sites www.medicare.gov and www.cms.hhs.gov.
This is so sad and far too common. I would go directly to your state's Web site under aging services and find contact information. Ask that contact person what you should do for your mom. They should know your local services. If your mom isn't on Medicaid, she will need to be. But she needs subsidized housing of some kind. Many things are locally administered, but go to the state and they should be able to direct you.
I am sorry about your Mom, Jillian. Does she have dementia?
Can she apply for medicaid? I am not sure if she needs to sell the house but she can try to apply for it now that she has no money. The house may be one problem but if she moves out, she will have to pay back the reverse mortgage by selling the house, she may then be poor enough to get medicaid. Each state is different, please try that one. In some state, she needs to be poor enough for 3 years to get it. You can ask social secuity office what other options she may have. Once she gets the help like medicaid, you should consider an assisted living facility for her.