Justin, I want to do everything possible to keep my mother at home for as long as it is safe. However, we are reaching a point to where I cannot do everything for her that she needs, and I cannot spend as much time with her as I think her current situation requires. What options do we have? – Sandra
Sandra, Thank you for writing! A lot of families are in this exact situation and in need of this information, so I’m glad you brought it up. The first thing you should know is that there are a lot of really good home caregiver agencies out there these days, and they specialize in providing the type of care and supervision it sounds like you’re looking for to make sure your mother is safe.
The problem, of course, is that most families do not have the income or resources to pay for a significant number of hours of homecare for very long. For that reason, the second thing you should know is that there is a state Medicaid program in Arkansas specifically designed to help cover the costs of home care. It is called AR Choices.
Like any Medicaid program, it has strict income and asset limits, and there are penalties for gifting or transferring assets out of the name of the applicant prior to submitting an application. But with the type of legal and financial guidance we provide clients every single week, it can be easier to qualify than you might think. In fact, recent changes in the laws associated with this benefit open up even more creative avenues for qualification sooner rather than later.
If your mother is already very low when it comes to income and resources, perhaps the best thing to do would be to reach out to the county DHS office to request an application to see if she qualifies for AR Choices without legal assistance. If you’ve already tried that and hit a road block, or if you are pretty certain she won’t qualify based on her current financial situation, give us a call to find out what we can do to help get her the benefits she needs without having to spend her assets down to nothing and without putting her home at risk. We’d love to help.