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I guess I'm going to play the devil's advocate here and ask the obvious question: Why are you trying to protect mom's assets if she needs care? To what end? If her assets are not to be used to take care of her in the "golden years", then what are they for?
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Thank you for your perspective Windyridge; I appreciate and respect your opinion.

She does have medicare. But I have heard horror stories from people who have said their life savings got sucked up by nursing home costs. I'm trying to be proactive and fair and find the best solution for her while protecting her finances.

ArmyRetired, thanks for the irrevocable trust suggestion. She is currently on People's Choice in Louisiana, so I wanted to find comparable coverage for her in Mass. I believe she does have Plan B, so I'm not sure why she would need Mass Health - you raise a very interesting point! This is all new to me, so I appreciate you pointing that out! Thank you!
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Why do I have to pay for your mom's care? Mom has $300,000 and you don't even want her to use that money for daycare services? Unbelievable.

See an attorney who specializes in elder law. Be careful about transferring assets into someone else's name. Very risky. First of all, it would trigger a gift tax. Next, the money would BELONG to that person. In case of divorce, it's marital property. In case of a lawsuit, it's fair game.

Seriously, it's one thing to try to protect assets legally from nursing home expenses. It's quite another, in my opinion, to do everything possible to spend NONE of mom's money on her own care. Lordy.
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Your 79 year old mother should have medicare, why does she need Mass Health? An irrevocable trust can be established to answer your question.
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She has funds that should be spent on her care. You may find advisers or get advice on this site as to ways to protect her money and get on Medicaid. Personally, I think these schemes are risky and I don't appreciate funding care with tax dollars for people who have money.
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