Skip to main content
Updated date:

Nursing Home Information

Former caseworker for seniors for six and half years. The information provided is information she acquired while working and researching.

Are we prepared to go to a nursing home?

dont-put-me-in-a-nursing-home

Nursing Homes, how much do we know? Make sure to see a Lawyer.

dont-put-me-in-a-nursing-home

Nursing Homes Information

Whew! How do you feel! I feel 45 until I go outside and someone calls me ma'am. However as old as I feel it remains that we will continue to age as time goes on.

The time will come when we begin to look at Nursing Homes to live in. Most of us as we age will not be able to live alone. We will have to go to a nursing home or supportive living. It is best we do our research. We don't want to walk into a nursing home without knowledge of financial requirements for staying in a nursing facility.

Older Americans are the most likely demographic to have an estate plan in place. According to the survey, 81 percent of those age 72 or older have created a will or living trust. However, I am not one of those people.

Now that I am at retirement age, with no will or money I've been thinking about Nursing Homes. I don't want to be a resident. However, sometimes it can not be helped. Below is some information concerning some financial requirements living in a nursing home;

Living in a Nursing Home

  • You don't have to cook
  • Better care is based on how much loved ones visit you
  • Depending on the staff recreation can be enjoyable
  • More likely than not you share a room with another resident
  • There are residents right's - each nursing homes should have and give you a copy of your rights as a resident

Showers and Laundry

  • Showers are given twice a week
  • Laundry is done twice a week (unless there have been accidents)
  • Make sure you put your name inside your clothes for identification

Recreation

  • There is generally a suggestion box for activities
  • Most fun is during the holidays
  • Creative activities are based on how creative staff is
  • Go shopping to the nearest malls and stores

Other Questions

Questions may come to mind when thinking about going into a nursing home.

  • How much does it cost to live in a nursing home?
  • How do you pay to live in a nursing home.

Should you find yourself heading toward a nursing home here are some things you may want to know about Nursing Homes..

A Nursing home can;

  • Take all your assets to pay for your stay at their facility.
  • Go back 5 years investigating your finances
  • Give you an allowance every month anywhere between $30 - $90 per month.
  • Seize the proceeds from your home, once sold used to pay for your nursing home care
  • When you pass away Medicaid can go after your estate to try and collect medical costs from it, this is called estate recovery.

Is there anything one can do to possibly retain some money when going to live in a nursing home? I would say there are a couple of things you may do.

Nursing Home Requirements (some requirements)

Nursing homes are very good at looking into your past. This is what a Nursing Home requires for submission to the State;

  • Show all sources of income for the last five years
  • Prove with title ownership of your home
  • Identification for a back ground check

Here's what you do,

  • Contact your or get a lawyer.

Create a special trust fund

Only one with a special trust fund with your bank can prevent Nursing homes from touching some of, if not all of your money.

  • When you put property into a trust before going into a nursing home it is considered as not owned by you (the property).
  • It is not part of you capital and can't be used for your nursing home care.
  • Please note that Trusts can work however, please consult with an attorney before doing any of these, nothing is a sure thing.

Ask your lawyer about the Home Protection irrevocable trust to protect your assets from a nursing home should you become a resident.

Spouses

If you have a spouse don’t worry he or she will not lose their income. This includes Social Security income. Some things to know about being married;

  • Income is not an issue in your eligibility to go to a nursing home.
  • However, if your spouse's income is at a certain level, they may be required to pay a portion of their income to pay for your care in a nursing home.

There are other ways to protect your assets from nursing home care.

  • Get a Home Protection Trust( 5-6 years before entering a nursing home/Make sure to consult an attorney
  • Give monetary gifts to your family members before you become ill.
  • Place your money into an annuity.
  • Finally, hire an attorney to write a life estate for any property you own and give it to a love one for life, and get the remainder. This gives you the property as a future interest.

So, don’t go to a nursing home until your financial issues with your assets are clear. Make sure you consult with an attorney before executing any of the above suggestions. You want your asset protection moves to be ironclad.

Below is a little information regarding Medicaid.

Medicaid

  • There is a limited amount of income to be eligible
  • You may be able to keep your home and still be eligible for Medicaid.
  • Nursing homes in some cases cannot take your home. ex. Spouse lives in home

Many people sell their houses to pay for nursing home care. When you get your social security benefit it will go to the nursing home for your care once you are on Medicaid.



Where are you getting your information about Nursing Homes?

dont-put-me-in-a-nursing-home

This content is accurate and true to the best of the author’s knowledge and is not meant to substitute for formal and individualized advice from a qualified professional.

© 2009 TaMorie Sanders Harris

Comments

TaMorie Sanders Harris (author) from Aurora on November 30, 2020:

Even though I found out this information about nursing homes I still have a wealth of issues to deal with before I go to a nursing home.

TaMorie Sanders Harris (author) from Aurora on November 29, 2020:

Hi all and Happy Holidays to you! I have since retired and am now closer to nursing home material than ever. I am a CNA and if there are any questions you have I will be happy to research and answer them for you. Thanks!

TaMorie Sanders Harris (author) from Aurora on October 06, 2012:

Great! Daniel Thompson...keep in mind caring for a loved one is more than a notion. This type of care is very stressful and emotional for loved ones...please look into respite so you can get a break every now and then to rejuvinate yourself.

TaMorie Sanders Harris (author) from Aurora on October 06, 2012:

Thank you jamterrell..

TaMorie Sanders Harris (author) from Aurora on October 06, 2012:

Thank you K.Burns Darling...

TaMorie Sanders Harris (author) from Aurora on October 06, 2012:

You could move to assisted living. There are alternatives. Consult an Elder law attorney.

TaMorie Sanders Harris (author) from Aurora on October 06, 2012:

Thank you for your comment Aisla

TaMorie Sanders Harris (author) from Aurora on October 06, 2012:

Devid, I do not know if this is legal. Thank you for your comment.

TaMorie Sanders Harris (author) from Aurora on October 06, 2012:

Thank you RalphGreene for your comment.

TaMorie Sanders Harris (author) from Aurora on October 06, 2012:

Thank you for your comment. My mother has since passed away. She did go to a nursing home however, she never knew she was in a nursing home.

TaMorie Sanders Harris (author) from Aurora on October 06, 2012:

There are all kinds of alternatives to a nursing home now. Baby boomers are seeing to that. They refuse to grow old in nursing homes. So businesses are springing up everyday to assist seniors in their homes so they do not have to go to nursing homes...anyone of one? Here we have Senior Services. We assess the Senior in their homes, then we give them a homemaker. A homemaker is someone who comes to the Seniors home about twice a week keeps the home clean, does laundry, and runs a couple of errands for the Senior as well. Anyone have something like that in their area?

jamterrell on July 25, 2011:

SistasExpress? I like you hub.

TaMorie Sanders Harris (author) from Aurora on June 14, 2011:

Thanks for the comment Home Inspector...

TaMorie Sanders Harris (author) from Aurora on June 14, 2011:

Thank you RalphGreene for you comment...!

RalphGreene on May 23, 2011:

I love it, Great information.

TaMorie Sanders Harris (author) from Aurora on January 28, 2011:

Jo..please contact an attorney for assistance on what you should do...a living will may assit you in what you need. Thank you for your interest in this.

Kristen Burns-Darling from Orange County, California on January 27, 2011:

Jo on January 25, 2011:

Our 3 chldren and their spouses have decided that they want to take everything that we have, so I am most certain that they are trying to get the doctor to put us in a "extended care" home. I do not need it, but my husband does. What can I do to prevent this?

Aisla from Norway on January 25, 2011:

I think that it is fantastc of you to share this information. Reaaly heartwarming.

TaMorie Sanders Harris (author) from Aurora on August 25, 2010:

maeve Thank you for your comment...I understand what you are going through...yes...I have something you can do..I will put in in one of my articles...keep watching..

maeve on July 17, 2010:

I'm beyond scared knowing that I have no control over my destiny if I get dementia like my father. I don't want my husband to put me in a nursing home and I don't think he would have much of a problem doing that because he thinks of himself, (his own words), as a "realist" and the only alternative would be a nursing home! He is not an emotional or demonstrative person so he would just do "whatever is necessary". Very cold person. I do not want to put this burden on my daughter either. I want this to be my decision and I can tell you I WOULD NEVER GO INTO A NURSING HOME. We made that mistake with my poor father by putting him into a NYS Veterans Facility - Worst decision ever made. If you have any advice as to how I would legally go about this so that I can be spared from my husband or ANYONE! else making this decision for me because THEY think I should go into one, please let me know. I feel desperate because I wake up every morning feeling the guilt of watching my father deteriorate both emotionally and physically into a place where I stopped going to see him because I just couldn't take it anymore. I have even lost a relationship with a sister because she would never go see him, not once. She didn't even attend his wake. Just saved face and showed up for the Mass - ha ha how is that for spirituality. Families become ruined forever over these decisions and I am very nervous about my future. I would really appreciate anything you could tell me. TY

November 2009 Nursing Board Exam Result on January 04, 2010:

Thank you for letting me in here. Please let me know what should I put in for your anchor text in my site. We are on the process now of building a huge nursing directory list and I wanted your site to be included.

Shameless plug: We will be posting the November 2009 nursing board exam result in our website. Please let your Filipino visitors know about it. CIAO!

lynn on December 25, 2009:

My mum is 83 and has been in residential care almost three years.Although she has dementia she can have a converation with me.She always used to say to me dont ever put me in a home.Unfortunatly I had to make that decision and every time I visit her it braks my heart. She is only five minutes away and I see her nearly every day,but I cry every time I think of her and she is constantly on my mind. The care home is a lovely place with lots of entertainment and very homely so I know she is well looked after.The thing is se constantly asks me to take her home.I cannot take her out now as she cannot walk and is very frail.

I do think families should see their elderly folk as much as possible, it helps keep up their moral.

tedl on December 18, 2009:

I like your approach. How can we save the life of the caregiver who is also alone and being cared by the disease?

TaMorie Sanders Harris (author) from Aurora on December 09, 2009:

Thanks Cherie

TaMorie Sanders Harris (author) from Aurora on September 07, 2009:

Thank you for your comment Duchess.

Duchess OBlunt on September 07, 2009:

SistasExpress, you are not alone in your situation, or in the way you feel about it all. With so much to deal with, this has got to be a very tough time. How to deal with aging parents is such a hard thing to come to terms with.

It sounds like you have made the right decision in this case. Sometimes the right decision can be so hard to make.

Your mom is in good hands. Be at peace about that.

TaMorie Sanders Harris (author) from Aurora on August 23, 2009:

Thanks for your comment Kosmo.

Kelley Marks from Sacramento, California on August 22, 2009:

It's certainly a weighty issue dealing with one's dementing parents. I hope I never have to put either one of mine in a nursing home! Later.

TaMorie Sanders Harris (author) from Aurora on August 12, 2009:

Thank you for your support.

Alfreta Sailor from Southern California on August 12, 2009:

Hi Sistas, My heart goes out to you. Keep your head up. Try to remember the good times that you had with your mother. I do that with my brother and sister that has passed on, and it does give me some comfort. Keep in touch!

TaMorie Sanders Harris (author) from Aurora on August 09, 2009:

thanks for your support! I just got back from seeing my mother. I think she will be gone soon.

Stephen Brno on August 08, 2009:

Im so sorry to hear this. My mom actually died this year because of dementia. It is partially her fault though because she could have lived longer. It was all due to her smoking which messed up her thyroid which messed up her brain. We all need to take care of ourselves in order to avoid ending up like the people in nursing homes.

TaMorie Sanders Harris (author) from Aurora on August 06, 2009:

Alta56546 Thank you for your support!!

Alta5656 from Davao City, Philippines on August 06, 2009:

Hi. I'm Alta from the Philippines. My mama, too, has dementia. I'm writing about our time with her with a touch of humor. She may be a mother but now she is treated tenderly just like a toddler. She is staying with me and my sister. You are very much concern with your mother, and that's a lot. God bless.

TaMorie Sanders Harris (author) from Aurora on July 29, 2009:

THANK YOU SSOOOO MUCH FOR THAT!! Daniel I really appreciate your comment. I will go to that hub or site and read about that supplement you suggested. Thanks again, I am so glad I join hubpages!

TaMorie Sanders Harris (author) from Aurora on July 19, 2009:

Suiiki, I worked in a nursing home as well, years ago as a late teenager. I found it to be a pleasant experience. However, Nursing homes in general have a bad reputation when it comes to carrying for others loved ones.

Yes, I could get a ride with someone else to go see my mom. But, my siblings here have special needs, and that is why I am here. The other siblings live close to my mom. I have only been back here a short time. I do not know anyone unselfish enough to give me a four hour ride to see my mom. You know what I mean? Thanks loads for your comment! Let us keep talking..please

TaMorie Sanders Harris (author) from Aurora on July 19, 2009:

Thanks for your comments. I have made arrangements to go see my mom for her birthday soon. However, it is hard when you are out of work.

Sometimes I just don't know what to do. On the one hand I want to see my mom, but on the other I loved her when she was coherent. I bite this bullet, and do what is right.

Emotionally, for persons who have parents in nursing homes know the emotional strength it takes to get through the day. My older siblings are GREAT at this. However, I get weepy and then hard on myself for being weak, or weaker than my older siblings.

Suiiki from City of the Newly Wed and Nearly Dead on July 19, 2009:

Hi,

I worked in a nursing home as a nurse's aide for a while. The nursing home I worked in was a friendly place for the most part. While it is true that it is better to stay at home as long as possible, there have been great improvements made in recent years as to the quality of care in most nursing homes. Nurse's Aides and Nurses are given training to take care of the emotional and spiritual needs of residents as well as the physical needs. Most nursing homes have pets, the one I worked in had a dog, a cat, a fish tank, and a bird cage in each wing. We did our best to spend personal time with each resident to talk and make sure they were not lonely. While we cannot spend every moment with the residents, we do what we can.

If you feel guilty about not being able to see your mother, maybe you should get a ride from someone else to go see her? Or maybe there is a nursing home closer to your home that she can be placed in? It is important for the elderly person and for the family that the chosen home be in a location that is easy for all loved ones to visit. But if you can't do anything to make the situation better, then don't beat yourself up over it. Eventually we all get old and need help.

Good luck.

sharongail on July 14, 2009:

Hi,

I sympothise with you. Guilt will wear you down. I got to the point about 4 months ago, when I could not bear to go and help my dad take care of my mom anymore. I not only had her hitting me and calling me stupid, but my dad would be critical over little thing I did to help out. Sure, I felt guilty for a while, who wouldn't when it come to taking care of your parents. thank God I have siblings, now they go over and help out and I don't feel as guilty now about mentally not being able to. I don't know if this helped you in any way but my heart goes out to anyone who has to go through slowly losing a loved one due to this horrific disease.

TaMorie Sanders Harris (author) from Aurora on July 09, 2009:

Have no car, and can not go see my mother like I want to. I have a hard time calling her as well.

TaMorie Sanders Harris (author) from Aurora on June 17, 2009:

I can not go see my mother in the nursing home. It hurts me to see her that way, and I can not afford to do any better for her. I can not afford to take care of her at home, and she is combative I can not deal with that!

TaMorie Sanders Harris (author) from Aurora on June 16, 2009:

I am worried. I do not know what I will do if I have a sudden illness and cannot take care of myself. I'm kinda paniced about it!

Related Articles