My mom, 80, needs special care, but Medicare won't pay. Now the home wants to take her Social Security. Is this legal?

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Once you crook 65, determination is simply a 70% accidental that you are going to request immoderate benignant of semipermanent attraction during the remainder of your lifetime, according to LongTermCare.gov (1).

Unfortunately, paying for this attraction tin beryllium precise difficult: According to SeniorLiving.org, the median terms of a semi-private country successful a nursing location is $114,665 per twelvemonth arsenic of 2025 (2).

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Let's accidental that your 80-year-old parent spent a period successful the infirmary and was sent to a skilled nursing installation due to the fact that she's incapable to negociate connected her own.

However, her security claims she doesn’t request attraction and the nursing location wants to instrumentality each her Social Security and pension checks to wage the bills.

Can the nursing location instrumentality that money, adjacent though your parent has bills to pay, debts she took connected earlier getting sick and a location she wants to support aft she gets retired of the attraction facility?

Here's what you request to know.

The archetypal happening to cognize is that Medicare is astir apt your mom's insurer, arsenic it covers astir Americans who are 65 and over.

If your ma has chosen a Medicare Advantage Plan, it volition beryllium administered by a backstage insurer, and it indispensable screen each that Medicare does.

Medicare does not ever screen regular nursing attraction (called custodial care) for those who can't bash basal beingness tasks. Medicare does screen skilled nursing attraction for up to 100 days, but lone nether constricted circumstances, specified arsenic erstwhile you've conscionable near the hospital.

Since your parent conscionable near the hospital, you whitethorn privation to entreaty the denial of the skilled nursing care. If her doc oregon attraction supplier believes your parent needs nonrecreational care, you should spot if they volition enactment your efforts to record an entreaty with Medicare.

Medicare has accusation connected however you tin entreaty a denial to effort to get covered.

If your entreaty isn't successful, your parent volition beryllium considered a backstage wage patient. While she volition not person her benefits seized, she volition beryllium billed for nursing location attraction and expected to wage the bills. Nursing homes usually measure successful advance, truthful she'll person to screen her costs to support her place.