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Can Mom lose Medicaid benefits by moving in with me?

I'm buying a home and am planning on moving my mother in with me. I specifically looked for a home with a downstairs bedroom and one that is easily accessible. My question deals with the financial aspect. Mom receives Medicaid. Is there any chance she could lose those benefits if I move her in with me? I myself only make about $30,000/year and was going to have mom as a "roommate" where she'd pay 1/2 the mortgage and 1/2 the bills, since she requires it to be MUCH warmer than I ever have my current place. I wasn't sure if I should do some sort of lease agreement, care agreement or roommate agreement so that she will not lose any benefits.
Status: Open    May 20, 2015 - 06:08 PM


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Expert Answers

Jun 05, 2015 - 12:20 PM

This should not be a problem, however your best bet is to contact your Mom’s Medicaid counselor for their requirements. Each state has its own regulations. Most Medicaid organizations aim to provide the best care for their clients, at the most cost effective means possible. They recognize that the most cost effective care, usually, occurs in the home. I would expect that her counselor would support her living with you. Her counselor should be able to advise you on how to set up your agreements to meet the state’s regulations. If you decide to consult an attorney, a lawyer familiar with local elder law, would be ideal.

Jul 15, 2016 - 01:03 PM

You will want to check your specific state laws, but typically she would not lose benefits if she is just renting (important to have that lease agreement). Medicaid is an asset based program and as long as she is under the limit or has exempt resources she is ok.
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