Yes, this is an "age" old topic (pun intended), but still appropriate. I got all fired up after reading a 6 year old thread on the struggle of being too rich to qualify for Medicaid but too poor to afford care... being truly stuck in the middle.
My father is a disabled Veteran who was blinded in the US Navy. Thankfully, the military took pretty good care of him. He was able to get 100% disability since his injury was service connected and thanks to having friends in the industry, we were able to max him out on benefits. HELLO FOLKS!!! Aid and Attendance really isn't THAT much when you consider how much it costs to be in a facility (less than 1/3 in my Dad's case).
Yes, the VA has "free" facilities in Bum F***, and sadly, the care level is equal to or below a Medicaid facility. Trust me, I've done the research. There are some programs available for "Resident Care", but the waiting list is insane (except for the lady who has five young children... no thank you), and as I hear it, this program could be cut under the new administration.
Why am I going into all this? Because, despite my Dad getting what a healthy person would celebrate in benefits, it's STILL NOT ENOUGH!
Dad will get military benefits until he dies, so he will never be able to "spend down" to reach Medicaid level, nor would I want him in a Medicaid facility. They are depressing to say the least.
So, what choices do "Middle Class" folks have? Become poverty stricken so they can receive sub-par care or hope to win the lottery? It's sad that pharma companies and modern medicine have made it so life expectancy is well beyond what it used to be, but aren't they the only ones who benefit?
I'm one of the lucky ones. I have no idea what I would do without Dad's military benefits. I currently work a second job to make up the difference between his monthly expenses and military benefits. Yes, Dad has some savings, but that entire amount is less than a year's worth of rent in his AL.
Maybe I'm ranting, but HATS OFF to ALL caregivers that pick up the slack that our government won't cover, and to those who have no choice but to use what limited resources are available (Medicaid), hang in there.
This entire experience has opened my eyes about aging, and it is my hope that IF I should live into my later years, that I am relatively healthy. It's so sad when one can't afford to be old...