After decades of building a life together, laughter, memories, and a few tears along the way, we have no way of predicting unforeseeable circumstances such as one spouse transitioning to live in a nursing home.
Nursing home transitions come with loads of uncertainty especially on concerns about legal obligations with nursing home expenses. It’s during these times of uncertainty that questions arise, including one that often looms large: “Is a spouse responsible for nursing home payments?”
The fact is, nursing home costs are no joke! The expenses of long-term care can deplete assets and savings, especially for seniors with no income.
So let’s put aside the preconceived notions about spouse responsibility in nursing home payments and get our facts right.
Is a Spouse Responsible for Nursing Home Payments? (Quick answer)
The responsibility for making nursing home payments varies according to different circumstances like the jurisdiction of the family and the specific circumstances concerning the case. Therefore, a spouse may be liable for covering the nursing home costs while in other cases, the spouse will be exempted from such responsibility.
More About Spouse Obligation for Nursing Home Payments
While the issue of taking care of nursing home costs may be complex and vary from one jurisdiction to another, one thing to understand is the rules about community property states and non-community property states.
If you live in a non-community property state, one spouse is not liable to pay the other spouse’s debt. However, some states do not apply this rule to medical expenses. Therefore, if nursing home bills are regarded as medical bills, then the community spouse is held responsible for payments.
In community property states, the community spouse is responsible for paying the other spouse’s bills which may include nursing home expenses.
To get more understanding and specific details about your particular situation, it is essential to see an elder law attorney to guide you in the best direction and give you applicable solutions according to your jurisdiction.
What Are Your Options?
The nursing home payment situation is complex and sometimes involves more than just making the payment and getting done with it.
Nursing home expenses are a big financial burden, especially for long-term stays. For seniors, paying for nursing home costs often leads to financial draining.
Moreover, the burden of caring for a person may weigh heavy on the community spouse, especially in instances where the relationship with the nursing home spouse deteriorates to the point of feeling like they are no longer married.
Getting relief from having to pay for long-term expenses for the nursing home spouse may be one way to ease the struggles and challenges of the transition to a nursing home.
So, what are your options?
Here’s what you can do to cover nursing home costs especially if you are experiencing financial challenges.
If you are experiencing financial challenges, Medicaid is the best answer for the issue of nursing home expenses. However, your spouse should qualify for the program.
Usually, Medicaid rules allow a spouse who remains in the community to retain certain assets and income. The community spouse’s income and assets are therefore protected from being used to pay for the nursing home care of the nursing home spouse according to the set limits.
Even in the case of Medicaid application, there are different rules depending on the area of jurisdiction. Hence, you should consult with an elder law attorney or a financial advisor with expertise in long-term care to understand the specific rules and regulations that apply in your jurisdiction.
Also, note that even with Medicaid, there are some few nursing home costs left pending because the program does not cover 100% of nursing home costs. You might still be required to cover some costs for your spouse, although not as much as compared to when Medicaid is not involved.
Challenges that Come from the Transition to Nursing Home
The transition to a nursing home not only comes with financial challenges but also has an impact on spousal relationships. Some of the challenges the community spouse is likely to encounter during a nursing home transition include:
Nursing home expenses can place a considerable financial burden on the couple, especially the community spouse. The cost of long-term care may deplete the couple’s savings or assets, causing stress within the relationship.
The nursing home transition comes with emotional tolls. While the nursing home spouse may experience feelings of loss, loneliness, or frustration due to the separation from their partner and the change in their living situation, the community spouse faces guilt for not being able to provide care at home or feelings of sadness and worry about their partner’s well-being.
Changes in Roles
During a shift to the nursing home, the community spouse takes on the role of managing finances and making all the decisions which can feel overwhelming. On the other hand, the nursing home spouse may feel a loss of control and independence over their own life and their relationship.
Tips to Power Through the Challenges
- Utilize professional services such as attorneys, social workers, medical, and financial experts.
- Lean on your other relationships including relatives and friends
- Join a caregiving community to create a support network and connect with people experiencing similar situations.
- Maintain emotional connection with the nursing home spouse through often visits and phone calls.
- Explore various financial options with the help of an expert to relieve the financial burden of caregiving.
- Prioritize your emotional wellness by seeking counseling and practicing self-care in your routine.
Do nursing homes take social security?
Nursing homes take social security checks. However, social security is not sufficient to cover all the nursing home costs and one is required to have other forms of payment to cover all costs.
Do nursing homes take all your money?
Nursing home expenses may run your savings dry but nursing homes have no authority to take all your money. Programs such as Medicaid may look into your income and assets during application.
What are the odds of ending up in a nursing home?
If you are 65+ years of age, there is a 5% chance of ending up in a nursing home. The likelihood is determined by the existence of medical conditions.