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She will have to pay from her assets until they are spent down to qualify for financial assistance. That can happen fast, depending on how much money she has. It's worth it. Look for a good home, help her with the transition, visit and be part of her care team, and pay for her care from her funds until she qualifies for Medicaid. It truly sounds as though it's time.
Take care of yourself and your marriage,
Carol
My MIL was a selfish, demanding, financially self-destructive piece of work. After a number of incidents (including being held up at gunpoint), we got her into a good NH that was old, old so it really was more an IL (she was in her own efficiency with a shared full big bath), that was blocks from her old place. Food was great, there was an outgoing afternoon sherry group, staff was multigenerational and caring. But going to see her was always a nasty hateful visit. When he was in 1st grade, he said Dad I don't want to go see Gramma Jean until she speaks nice to you. When she died in May, all he said was something like glad that's over.
My point in this is that by making ourselves bone-dead tired in taking care of in-laws or parents and fighting with family over care & $$ for those who have the ability to pay for care or putting up with manipulative parents leaves an impression on our kids that is not healthy and they are going to run for the hills or South America when we hit our 80's.
With the help of your family doctor, put your mother in the hospital for three days and the doctor can order her to have rehab for 20 days in a nursing home and Medicare pays for it. This will give you a much needed break. And tell your mother the doctor ordered her rehab so she will stay there for the 20 days.
All of her money, except $2,000.00 needs to be used out of her account/investments, etc. on remodeling her house, helping with the grandkids' college, even getting a car to use to go back and forth to the nursing home, etc. So, someone needs to have Power of Attorney (POA). When her money is done to $2,000 then apply for Medicaid with the help of the lawyer and/or the nursing home she will go into. There are several ways to get on Medicaid. The lawyer will know all the state and federal rules.
It takes awhile to get this done, so go ahead and bite the bullet and get it started.
Our lawyer charged $200.00 for our visit and he sent letters about the visit to all the children, so everyone would know what is going on. Mother has some money, so we are paying the nursing home out of her money for now. This was the least complicated of all. We will see the lawyer on a "must see" basis...not until her money is nearly to $2,000.00. So that is where we are at the moment.
Her nursing home is $100.00 a day and we pay once a month. If she goes to the nursing home beauty shop, they tack that onto the bill.
We switched to a pharmacy that delivers her medicine to the nursing home, so that saves me having to do all that. The pharmacy sends me the bill once a month and that comes out of mother's money, too.
We also pay her supplement and Humana for her drugs out of her Social Security check.
My husband and I live in mother's house and have for 4 years, so the house is "safe" from being taken because "adult children live in it." So, that was a blessing.
Anyway, God bless you in dealing with all this. My husband and I got to where we absolutely did not have a life and mother was so mean to us...she has dementia really bad. Now, she is nice to me when I go see her every other day at lunch time. And, she is mean to the nurses a lot. Our life was totally miserable living with her. If she had not turned out mean, it would have been different I'm sure. But, that's not what we got.
Bless your heart. God bless you. God bless caregivers.
ProfeChari
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