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Well I am not a Doctor. But have been told that when people lose insight, have behaviour issues that impact/prevent their care, are abusive to family/caregivers, angry or delusional.. that medications for mood may be considered.
So yeah, it's probably time.
Doesn't mean they will work, delusions or blame will disappear.. but see what the Doctor thinks.
A little mood pil has worked WONDERS for my LO!
Sometimes choices get narrow for a 95 year old with dementia. You have to consider what's most prudent for all concerned in this situation and how to keep mil as safe as possible as she continues to decline.
I suggest you read this 33 page booklet online about managing dementia and what to expect with an elder who's been diagnosed with it.
Understanding the Dementia Experience, by Jennifer Ghent-Fuller
https://www.smashwords.com/books/view/210580
Jennifer is a nurse who worked for many years as an educator and counsellor for people with dementia and their families, as well as others in caring roles. She addresses the emotional and grief issues in the contexts in which they arise for families living with dementia. The reviews for her books are phenomenal b/c they are written in plain English & very easy to read/understand. Her writings have been VERY helpful for me.
The full copy of her book is available here:
https://www.amazon.com/Thoughtful-Dementia-Care-Understanding-Experience/dp/B09WN439CC/ref=sr_1_2?crid=2E7WWE9X5UFXR&keywords=jennifer+ghent+fuller+books&qid=1657468364&sprefix=jennifer+ghent%2Caps%2C631&sr=8-2
Best of luck to you.
Another conversation tactic is to just address the emotion and try to not get caught up in the ramblings. "That must make you feel sad", or whatever would be the proper thing to say. It's kind to talk to people with dementia and other issues.
Yes, our family members will end up saying stuff that is embarrassing in front of people who don't understand the situation.
Sclbluheron had an excellent suggestion regarding anti-anxiety meds.
Perhaps some anti anxiety medication might help to take the edge off. You could tell her that they are vitamins to see if that would help her take them. Since she complains about poor health frame the medicine as being helpful with that and see how it goes.
Non harmful therapeutic lies of this kind are ok IMO if done with the intent of helping the dementia sufferer find some calm and peace. Others will disagree. Ultimately up to you to decide what you are comfortable with.
Good luck.
I am so sorry, but you need to understand that MIL now is completely incapable of normal and rational thinking.