A: At 97 years of age she should already be on Medicare. However, Medicare does not cover 100% of medical expense and also has a yearly deductible. The Medicaid program, which is federally funded, is designed for those that fall under the low income guidelines and is an appropriate solution for senior citizens with limited resources. To be eligible your mother-in-law must be a US citizen or a legal immigrant. The specific rules for qualifications vary by state so you will want to check with your local Medicaid office in order to check for eligibility and begin the application process.

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A: Margaret- State laws vary in qualifying for medicaid. But typically you have to spend down assets and you are allowed a car and a house and very little in cash in order to qualify. The problem is not qualifying--- it is finding a good facility. There are waiting lists for the better places. Start to look now at what her needs are and what facilities can accomodate her. Make sure she has a good estate plan in order also.
Good Luck, Margaret, I have been there and it isn't easy.

A: Try and make contact with the Social Services Agency in your area. They may be able to assist you with this information. Our social services agency helped get my sister in law on to Medicaid a few years ago due to her disability. Another option is to contact the US Department of Health and Human services. Medicaid is a state administered program and each state sets its own guidelines regarding eligibility and services so it would be best for to contact them directly. Lots of luck

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