My sweet mom has ppaFTD-ALS, I was able to leave my ft job & went agency 2 days a week in order to move mom in with me. Then with covid my 2 day a week caregiver wasn't able to work so in turn I can't work. I'm left without health insurance & of course I don't qualify for Obama care unless I want to pay $300+ a month. Not an option.. Would there be a program that offers something for caregivers?
If not she should be.
And your mom should also be paying for some of the household expenses.
While it sounds odd to "charge" her for her portion of food, gas, electric, homeowners insurance, mortgage and all the other bills you pay if she were living in a house or apartment she would have those expenses.
Same holds true for her paying you for caregiving. She would have to pay someone, she should pay you.
Also you can apply for Medicaid as well if you meet their qualifications.
But no, there isn't any insurance specifically for caregivers.
You want insurance without paying for it.
You've endangered your own security and future in order to care for your mother. While that's noble, it'd be smarter to get her on Medicaid and placed somewhere where she'll receive good care, so you can continue to work and have security and be able to visit her. This is where you'll both end up anyway, so I'm not sure why the desire to bankrupt yourself and endanger your own health -- while having no insurance.
I'm a bit brusque, I know, but dancing around the obvious isn't useful IMO. You're going to burn yourself out with stress and anxiety, and you appear to have absolutely no safety net. Who'll take care of Mom when you go down?
Call your local/County social services office today.
Medicaid in some states pay caregivers some pay for caregivers so you could work. It depends if Mom hits their criteria. Have you checked with the ALS foundation to see if they can offer anything. I know you realize that Moms care is going to be more than you may be able to do. I guess ur not willing to put her in skilled nursing?
I could argue with you all day about your lack of knowing my life & or that you assume I want something for free. I'm not asking for a handout I'm asking if there's programs to help with the cost of insurance for caregivers.. I don't remember any point in time asking your advice on my choice to have my mother in my care & to assume she would receive better care elsewhere is just fowl as is your bitter remarks of how you think my life is now in utter doom. With that being said unless you can offer some insight into my original question I would ask you be on your way sir & find another discussion to spew your negativity upon!!!!!!
Fine. I'll step away from the conversation. You have one question that requires one answer -- and only the one you want, regardless of reality.
Good luck with that.
Maybe one day you'll listen to those with experience, but I have a feeling you're determined to learn the hard way.
Sorry I tried to help. Good luck to you.
Im starting to see a pattern with you. I'm not going to entertain or assume I care as to why you're such an argumentative demeaning person, I will say I personally don't want, need, or warrant your negativity in my life so once again I will ask you to move it along & thank you!