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My Mom’s dementia is progressing, and my husband and I have been providing care for her during the day, at night she is home alone. I’m starting to feel that it’s not safe and I worry about her. In home care in my area is very expensive, but I’ve seen that the price goes down the further away I look. Is this wrong? I’m having a tough time with this. Any advice/suggestions would be appreciated!

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Deb, before you make any decisions, you need to get mom a needs assessment done.

If she needs 24/7 care, an AL may not be the right type of care. Then you would be starting all over when they tell you they can't meet her care requirements. This does happen or they raise the rates and are still not providing the level of care she needs.

Your local council on aging can help you get her assessed so you are searching for the appropriate facility.
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I could have moved my mom sooner to my are… more expensive here , by a couple of grand a month.. in the long run she still runs out of money. I should have moved her sooner, but that’s a whole different tale…

biggest thing I missed doing, .. visit numerous homes in the area . Find out if they have a self prepay period before Medicaid kicks in. I didn’t know , it would have opened up selection criteria for where I placed my mom here. I was fortunate and love where my mom is…my mom doesn’t have the year of self pay funds, close… the memory care has taken in her in knowing this…

so if your mom will be running out of money, look at places near you , does it matter if it happens next year, or three years from now ? And you may have to move her again…

as things start to go south physically and mentally with your mom, your required assistance elevates.. trust me, much easier to handle nearby .. I did lots of Amazon delivery, costco delivery…

good luck with your decisions…
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You answered your own question. she has dementia and it will get worse and YOU MUST NOT TAKE HER INTO YOUR HOME. The most sensible thing you cn do is to get her placed - even if not close by. You can make occasional visits, just not as often, and you can call. She needs care and you need peace.
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My MIL live 3 1/2 hours from us. She has behaved oddly for at least the last 25 years. She would not allow my husband to visit when my FIL was alive after she and DH had a falling out. FIL avoid conflict with her because she is difficult. When this happened, her hoarder tendencies went into overdrive and the house and garage filled to overflowing with clothes, unopened boxes, unused shoes, household goods, trash, paper, urine, and feces from various dogs that weren’t let out.

My FIL finally fell and lay there for several days before MIL called 911. There was little food in the house (she wouldn’t leave - it was at the beginning of the pandemic in July 2020 & she hadn’t left the house in 2 years). FIL went to the hospital and the hospital kept calling MIL who refused to answer the phone. A cousin called and DH went to solve the problems.

Once FIL passed and all the funeral, etc. resolved, MIL began to show the delusions/hallucinations she was having all along. She thought the house was haunted. It was really uninhabitable. She couldn’t see it. Her dog became Sick and almost died. She wanted to move in with us. We didn’t want her after the way she treated DH the last 25 years. The dog could not move to our house as it is not house trained or trainable and we already have dogs. She moved to a hotel for a month, then her sister’s place and then the cousin told DH that he had to do something because he was going to have the police take her.

so she is at assisted living 1/2 an hour from where she used to live. The price is better than where we live and our presence sets her off. She does not have dementia, but some mental conditions. It appears to look like dementia. We asked for an evaluation by a psychiatrist or neurologist, because it appears she has many symptoms similar to dementia with the sensation of bugs under her skin, severe hoarding (which she can’t do now-no access to her funds), delusions, hallucinations, doesn’t like to leave her room, etc. She is very angry with us but we know she is safe and that no unnecessary calls are being made to the police and that she is living in more sanitary conditions.

if cost is an issue, look to where you can afford but also ensure that you pick as good a quality place as possible. We did and the services she receives are good, because we could never get her to agree to go to the doctor. Now the doctors come to her.
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Can you book her in for temporary respite care, eg 2 weeks or a month? Either close or further away. Buy yourself some time.

Then, once she is in a safe location, you can take some deep breaths & start to weigh up all the options out there.
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Please place your mom wherever you can get affordable, safe, quality care. See her as often as you can.
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It is often a fact that a facility can be much less expensive the further away it is especially if you live near a larger city.

If you have the funds I would advise against the distance but this could be my nature. I am an only child. I have had my mother in 2 facilities in different states. The present one is less greatly due to the state we are in.

I am and have been 5 to 10 minutes away from her. I realize this is pretty ideal and hope she can remain where she is as she declines. The familiarity is important to her. I have been able to get to her quickly when need be. When she has been hospitalized on multiple occasions I can get to the hospital frequently. When family visit all from different states they see her often. If she were several hours away all of this would be complicated. I have 4 young grandchildren and she greatly enjoys seeing them but due to where they live that is only twice a year yet if she were farther away those visits would be a production.

There is peace of mind knowing you can see your parent more easily. If there are issues that are problematic one can try to stay on top of them if one lives closer.

It is rarely ideal having a parent in a facility but then it can also be rarely ideal to witness a parent's decline. Proximity to them can be a blessing unless the relationship is very toxic. I hope uou find the suitable decision for all your needs.
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You will need to count all costs, even non-financial ones. Your mom's condition will continue to decline and require more of your management so you do need to think about the long-term. If you are her PoA and she's in a facility that is a 2-hr drive, it may become onerous to you since you won't be able to call her up and ask how things are going because with dementia/memory loss she won't be able to accurately tell you -- or answer her phone unassisted.

Are you willing to make a 2-hr drive there and back every week or 2 weeks into the future for X number of years? Are you willing to endure the stress of having to trust the facility in what they say and do 90% of the time when there are problems to resolve?

But trying to "keep her at home" means that you and your husband will eventually be orbiting around her -- and her house -- for X number of years. And managing the in-home aids. Is her home ADA compliant? Does she have a shower she can get into? What if she starts to wander at night? Not trying to scare you but these are practical matters that DO occur and you don't want to be surprised by them and then scramble to solve them in crisis mode.

Does she qualify for an Elder Waiver (if your state has one)? Elder Waivers can cover some of the cost of AL in some states. Medicaid pays for 100% of LTC but in some states will also pay for some AL and MC. You need to talk to an estate planning/elder law attorney and/or a Medicaid Planner for your state since rules vary. Also go to your county's Dept of Health and Human Services website under social services then elder care to find out more. If your mother is low income she may qualify for an in-home assessment for some services now. It probably feels very overwhelming right now but it will be important to get a panoramic view of all the options since what you decide today will impact the caregiving in the future.
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My first advice is to install wifi cameras in your Mom's place so you can monitor her from your cell phone during the night. They are inexpensive and easy to set up and will go a long way to ease your fears while she is alone.
Now to care. Are your mother's legal documents in place, i.e. Will/Trust, Health Care Proxy, durable POA? If not, run - don't walk - to a qualified elder care attorney. If her finances allow, why not hire someone local to care for her? It would be cheaper than facility care, and you can be close by to monitor her. In my case, I did the reverse - paid for local care during the day, and took turns sleeping there at night. My brothers helped out a little with the overnights but most of it was on me. Towards the end, as funds were depleted, and Mom needed more care, we applied for Medicaid assistance. That's why it's important to have all legal and financial documents in place ASAP.
In my opinion, having your Mom 2 hours away is not an optimal solution as you are clearly bonded and won't be able to see each other nearly as often. Nor will you be able to monitor her needs from so far away. Think about it.
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If you tell housekeepers or other service people (e.g., do you have a handyman or a lawn man who sometimes does work for you) what you are looking for, you may be able to find someone who has experience caring for an elderly person who will accept what you can pay for 8, 10 or 12 hours overnight, at least for a few weeks while you are researching your options. Make sure you sign a simple "independent contractor" agreement with that person so you are not responsible for employment taxes. Meanwhile, first install those cameras so you can monitor what is going on whether your mother is alone and if you hire a caregiver.
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