Just find your answers below:

Will Medicaid Count an Investment Gone Bad As an Asset?

It probably depends on the investment and the facts. If your mother made an investment that didn’t work out with an independent third party, it should probably not be a problem. But if, for instance, she was investing in a company you were starting, it will look more like a gift to you. In addition, it could depend on the documentation of the investment. If there’s proper paperwork – a stock certificate, for instance – it will be more likely to pass muster with Medicaid. A local elder law attorney who looked at all of the circumstances should be able to provide a more definite answer

Does Medicaid's Lien on My Mother's Home Mean She'll Lose It?

I cannot tell you about Georgia laws or practices specifically. For that, you will have to consult with a local elder law attorney. However, the general rules are that the state may not collect on the lien while your mother is alive, but can after she passes away. However, joint ownership (depending on the state) may defeat the state’s claim even then since it avoids probate. Again, you will need to consult with a Georgia elder law attorney for a definitive answer.

Did I Read That Right -- A Medicaid Recipient Is Allowed Only $45 for Personal Care?

Yes, that’s what it means – skip the hair care or hope for gifts. This “personal needs allowance” varies somewhat from state to state, and in many states it has not been raised in decades. Ohio seems a bit ungenerous. In Massachusetts, where I practice, the Medicaid agency is especially generous, letting covered nursing home residents keep $72.80 of their monthly income.

Will My Mother's Social Security and SSI Benefits Stop When She Sells Her House?

Yes and yes. Your mother’s SSI benefits will stop until the proceeds are spent down, and she must report her assets to the Social Security Administration. However, her Social Security benefits will continue unaffected by her resources.

Can My Father Repay a Loan Without Affecting His Medicaid Application?

This really depends on the actual documentation and the practice in your state. If by documentation you mean a promissory note, repayment should work. But if it’s simply documentation that the money came from your sister, it probably won’t. To be certain you would really have to consult with a local elder law attorney. The other option would be to reimburse your sister, making sure that she understands that if it doesn’t work she’ll have to return the money to your father.