That’s right but you forget about those that transfer wealth 5 years before going on Medicaid.
Sometimes it’s not possible - especially with Alzheimer’s or mobility issues. My mom is 93 and in skilled nursing. She has memory issues, stopped walking and became a two person assist. They use a hoyer lift with her. She does nothing all day long but can feed herself. She has been on AZ long term care for 7 years and I’m extremely grateful for it. She gets good care at her facility and there is not a big turnover with staff.
Her situation is depressing to me. It’s everything I wouldn’t want for myself. It’s why I take Pilates 3 times a week, try to eat well and stay healthy. My mom got too comfortable in her lazy boy years ago and stopped moving. The mobility issue is huge. It was the end for my dad though he made it to 92.
They do that and then get paid to take care of their parent.