The national median cost of assisted living is $3,495 a month. Medicaid won't pay for assisted living, only for an aide in the home, which has recently become much more difficult now that 3 ADLs are required to be eligible and there is a longer wait time for processing (as in months) than before because of the new 2.5 year lookback. The other option for coverage by Medicaid is a nursing home. I have a parent who is 95 and there is no other money beyond social security at this point, which leaves a $1495 gap for assisted living. I can't assist with that financially. He has diabetes and is losing his ability to walk, uses a walker, can't feel his legs (but still drives!). He has nerve pain in his hands now too. He lives alone in the middle of nowhere. Those medic alert buttons don't work out there, no cell service. Anyway, at this point he would not be eligible for a Medicaid aide since he can do everything on the ADL list - just barely. I really don't want to move in with him, but I don't see another option. My husband and I live about 2 hours from him now. Where he lives there is very little support for seniors, it's the middle of nowhere. You cannot find a housekeeper, for example. I go up there once a week to clean. And I cannot imagine helping him with the bathroom, if it comes to that. The house is in horrible shape, very neglected, ugly inside. Needs a huge amount of expensive work. And I hate it there, so I am very worried about eventually (probably within the next 6 months) having to move in there. We live in a one bedroom in the city - moving to a two bedroom is not an option and he would not come here anyway. I have two siblings living within one mile of him who cannot help in any way, financially or otherwise. I only mention them because I am sure to get questions about siblings - so just consider me an only child. We own his home, having bailed him out of the loan he had on it, so he cannot sell that and we hope to get our money back eventually after putting a lot of work into the house. Any advice? I'm stuck with having to move in, I believe.
Good luck! This country is chock full of people who want to help so reach out and find a way to find these marvelous do-gooders. Put the word out on your Facebook page, Twitter, or whatever social media you use. God Bless!
While going thru similar situations with my parents I found that while few AL facilities (in Ohio at least) accept Medicaid waivers they will do so if the person has been a resident for at least 2 years. So if you can figure out how to finance that initial 2 years AL might still be an option. Note that AL's will have their own staff do an assessment to determine if your dad is a good fit both mentally and physically.
Mom did well in AL, terrible in SNF, but bloomed when we had her moved to another AL facility into Memory Care.
My only concern is this:
"The house is in horrible shape, very neglected, ugly inside. Needs a huge amount of expensive work."
Ugly, no problem, just avert your eyes for now.
Neglected, if it's only cosmetic, continue averting your eyes.
Horrible shape and expensive work needed? If there are structural, safety or hazardous issues, these shouldn't wait until he moves. Not only might it impact him or you, but as time goes on, it will only get worse and cost more, in time, effort and materials.
Not knowing what "horrible shape" means, one might suspect the worst, like crumbling stairs, bad chimney, bad heating system, bad roof, etc... IF it isn't all that bad, then no worries. Any reason why some work couldn't be tackled now, while he's still living in the place? If you go there to help and clean, why not tackle some of the cosmetic work, such as painting? Patching needed? Do that on one trip, then paint on the next. If there are serious underlying issues that need fixing first, then never mind those suggestions.
www.altcs.com
You poked my curiosity as I'd not heard of this. Searching for ALTEC brought up anything but, so I added Assisted Living and came up with this.
Other than finding it, I didn't check it out. This particular "program" is for AZ. There may be similar other programs in other states. Varied searching online or query with doc or hospital might reveal more.
Although there are ADLs, there are also IADLs (Instrumental Activities of Daily Living). Your state Medicaid program should take both into account. Has your father been diagnosed with any cognitive or mental health issues? Those also should be taken into account.
https://betterhealthwhileaging.net/what-are-adls-and-iadls/
You never know what is going to happen until you start.
One thing I know is that the money is only a problem if he was giving it away. He could spend it how ever he chose, except for disposing of it to protect it from paying for his own care.
If it's just to "talk" to them about something, usually the person, dad in this case, can give the okay over the phone. Beware if he has hearing issues!
In order to manage SS, the only LEGAL way, per SS, is to sign up as rep payee. Not sure how it would be handled today, with the virus around, but it's best to start with a local office, not the main 800 number, unless you like phone menus and being kept on hold for a long time!
I called MY local office, which isn't in the state mom lived in, got an appt and filed. They just asked a lot of questions and submit it. They didn't ask to look at anything and I did NOT take my mother with me. They do send notice to both you and the party involved, so the person can object if they want to. By then mom was in MC, so mail was held by the nurse. Mom wouldn't really understand it anyway! I had to have the address change done, as we were selling her condo and you can't forward federal mail.
The LEGAL note is from THEIR paperwork that came with the approval. No one has the right to "manage" another person's SS and POAs don't work for federal entities.
You father can't afford assisted living. The question is: Would he go to assisted living if he could afford it, or is he insisting on staying in his own home, decrepit as it it?
I like the idea of telling him he has to move out of the house so repairs can be made, or even selling it out from under him. Money-wise, I believe the only affordable option for him would be a senior group home. My understanding is that they are much cheaper than assisted living and perhaps you could find one that he could afford, maybe even closer to your location than he is now.
Since you've already ascertained that he doesn't meet the requirements for Medicaid, I don't think an elder care lawyer is what you need. I'd seek the advice of a geriatric manager manager, if I were you. Or, if you're good at internet research, look for senior group homes to evaluate. Some websites have them listed along with assisted living facilities but the number of beds will be less than a dozen and the owners will be private individuals, not a big corporation.
I don't think you have to, or should, move in with him. You would be putting your life on hold indefinitely, and the most likely would be overwhelmed with frustration and resentment.
Just my .02. Wishing you good luck with your decision.
I have watched a lot of YouTube home repair and improvement videos. Have learned more than I ever thought I would. Started small by replacing a deadbolt lock by myself. With each repair task have built more confidence in my abilities & knowledge of how plumbing, roofing, and electrical works in my home.
It’s not rocket science by any means. It’s basically following directions and knowing your limits - not strong enough, fear of heights, etc.
I have done patch jobs on leaky pipes and part of the roof to mitigate damage (buy time) until COVID is over. Am a short, skinny lady & my neighbors think I’m nuts. If I can do it, anyone can.
This may not help, but tackling a small item on your list, home repair or not, may give you a boost of confidence.
We sold her house and used that money to pay the rest of her fees. You said you own the house but consider selling it and using the money for your Dads living expenses. It will be cheaper and much less stressful to you than having to move in with him. I can speak from experience that not everyone is cut out to be a full time caregiver.
You can start doing work on the home as you live there or you can sell the place and use his social to pay for ya'll to move in a 2 Bedroom Apartment.
Is there any chance that you and your husband can take out a home equity line of credit on the house, get it habitable (no cosmetics - ugly doesn't matter - safe matters) and move your father out while it's being renovated? Tell him you need to have it tented for termites, for example, and then DO NOT MOVE HIM BACK IN but rather put it up for sale. Recoup your money because you and your husband will need it for your own retirement.
Find a nursing home or senior residence that accepts respite, get the Medicaid paperwork rolling, and then let that become his longterm residence. At least he will be safe. He will never be happy but at least he will be living somewhere that's habitable. Small care homes are usually cheaper and your father may be more suited to a smaller place.
ineligible for the grant. Your objective is to survive while using available funds to get as much for the house as possible. It will not last that long and be worth it! You can place in a Medicaid nursing home if need be when the time comes. It sounds like you are well positioned to obtain government services, including housekeeper or nursing support. And you haven’t said you don’t like him or have big issues with him. Think of it as an opportunity to perhaps improve your own position instead of a burden.
The process to place him in a nursing home will begin and he will stay in the hospital until a place is secured. This will be covered by Medicaid as he has no assets.
My advice to the OP is that there are too many POAs. Too many cooks in the kitchen with availability to Dad's finances. She said her father's finances are a mess. Is it any wonder? She's 2 hours away, yet the siblings down the road can't or won't help Dad with day to day living. It seems his well being is left to the only compassionate sibling left. It's sad.
I'm not familiar with APS but if Dad lives in a rural area without a lot of social services available, I doubt he will be able to avail himself of any of them without her help because the other siblings apparently don't have any inclination to see after their father's well-being.
As for moving in with him, DON'T GO THERE. Unfortunately, as others on this forum have found out, you just have to wait for a TRUE emergency to take him to the ER (i.e. a fall or illness). If siblings are concerned about his well being, have a "family meeting" without Dad to discuss options. Then and only then will you be on the same page as to his care. Discuss what would happen if Dad fell and needed to be taken to an ER. EVERYONE would need to be on the same page when speaking with the Social Worker/Discharge Coordinator. If even ONE sibling tells them he can live on his own or that they'll take care of him (when they really won't), the Social Worker will discharge Dad to home and then it begins all over again. The job of Discharge Planners is that -- discharge patients out of the hospital asap, especially during a pandemic.
It seems that in the majority of families with siblings, care of elderly parents is most ALWAYS left to one person. It's always easier for siblings to make excuses as to why ONE sibling should give up their lives, home, mental health so THEY can live their lives without interruption. Again, sad.
I hope every caregiver who is reading this right now has a plan for THEIR care. Don't wait until you don't have a say. Get your legal paperwork in order NOW. Find out NOW who you can depend on to carry out your wishes. Sometimes your children aren't those people.
Since you bought the house over 5 years ago, it shouldn't be an issue. Definitely try to get a handle on his expenses, putting focus on any substantial withdrawals.
Dressing oneself, wearing the same clothes... My mother had enough clothes to open a store (along with matching purses, shoes, etc)!!! Yet when dementia kicked in, we tried the aides first, so some cameras were installed to be able to monitor things. It reached a point where this clothes horse was wearing the same hum-drum outfits over and over again. Once it was 6 days in a row! Not even the "nice" stuff! I will wear items more than once, but I wasn't into clothes like she was, and I could notice food stains on my clothes!
What does your H say about moving in with him?
Do you have any suspicions of problems there might be with Medicaid eligibility? Has he been giving money away to your siblings?
To give up your own life to move in with him, to live his life, in his home, his way without any thought to your own.
I am curious... What does your Father say when you ask about HIS future plans?
Sometimes you get surprising answers... Live here till I keel over one day... Go off to some nursing home I suppose..
Maybe you will get an idea of what he is willing to sacrifice. Afterall it is HIS life.