@chai2,
As an aside to my last post.
At one point I worked as the assistant to the SW in a couple of different facilities.
A brand new SW, who had just graduated, had been hired. Not critizing her as a person, but I remember one error she made due to a combination of her limited experience, and yes, her youth. I am so glad I happened to be in the office at that moment.
The elderly wife of a new resident had come in to talk to her about applying for Medicaid for him, to pay for the nursing home. They didn't have much money, or other assests. I remember her being a very sweet lady, who loved her husband very much, and was feeling guilty she could no longer take care of him.
Also, it was pretty apparant she was overwhelmed by the process, and had not been one to take care of any finances in the household. That was his job.
Anyway, they didn't really have any cash to speak of, or other liquid assests. When she was told the low amount they had to have to qualify for Medicaid, she looked worried and said "What about my house?"
The SW, again, just not knowing at that moment that a persons home is exempt if you state "It's my intention to come back home one day" regardless of how unrealistic that is.
So, she just threw out there "Oh, you'd have to sell the house and spend all that you get until you're below the limit"
The look on that womans face. I thought she was going to drop dead right there.
Without thinking, or caring I just blurted out "NO! No she doesn't have to sell her home!"
The poor thing. I still remember how at that second, she didn't know what to believe. The young SW I could tell was fuming, but zero f*cks did I give.
I explained to her at a speed she could absorb how she never had to leave her house, and why. She was teary due to stress and telling us how she had lived there umpteenth years etc. She was overwhelmed by it all.
Anyway, after she left, I let the SW know I wasn't trying to step on her toes. I don't think she still believed at that moment I was correct.
I remember saying to her that I know that at her age (yeah I said that) it was just a house. But this was the place that lady had lived with her husband, raised her children, and it was the center of her life. It was her home.