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my husband is 82 and I am 67. He had triple bypass surgery last year. He is home now but I am not sure how much longer I can take care of him. He doesnt do anything around the house so everything is up to me and I am worn out. We have retirement income, what will assisted luving do to our finances?

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What AL will do to your finances is eat away at them until their gone. My parents had about 400k that was used up entirely between 2014 and 2022, and dad died in 2015. Mom was in AL till 2019, then Memory Care Assisted Living till 2022. They also received VA Aid and Attendance benefits to offset the costs.
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I can imagine how worn out you are feeling. Yes, you need to figure out a plan since it doesn't seem like he's improving or participating, based on what you wrote. First and foremost: do you have your legal ducks in a row? Who is your husband's financial and medical PoA? Is it you? Does he even have one? And you need one for yourself so that you won't "fall through the cracks" if something happens to you and you require care. You will also need a Advance Healthcare Directive and a Will. More info about whether these are in place would be helpful. Next, you should consult with a reputable financial planner about creating a sustainable budget that incoporates your assets and investments. Hopefully you are your husband's beneficiary and heir in his Will, if he has created one. You should also talk to a Medicaid Planner for your home state since the lead-up to the application can have a 5-year "look back" time period that trips up applicants who didn't know what to expect. Care is expensive and not getting any less for the near future so getting the Big Picture now is really important. It will feel like a lot of work at first but it will be well worth it. Like others have suggested, you should hire out the more onerous tasks that are wearing you out or that you dislike, for now. I wish you success in getting your plan together!
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It would probably be cheaper for you in the long run to just hire folks to do the things around the house that you can't do, than having to pay for assisted living.
My late husband was 12 years older than me and when it got to the point where he couldn't help me with anything anymore, I just learned to hire any help that I needed around the house, and I was able to keep him home until his death.
And he had had a massive stroke at the age of 48, which left him with many permanent disabilities, and which later caused him to develop dementia. He died in our home at the age of 72.
You don't mention what type of care your husband now requires, but if his care is truly getting to be just too much for you, then it may be time for placement. But if it's just the chores around the house that are getting to be too much for you, just hire some outside help, as again that will be much less expensive than paying for a facility.
But before you do anything you need to speak to an Elder Law Attorney, to discuss what your financial future will look like once your husband is placed.
I wish you wisdom and discernment in this situation.
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Traveler, IMO it may be better, for you to protect your aging years , for you to start making your life easier, hire out things to others that you do. Get someone to clean your home, hire a lawn care service. There are many things you can hired out, also call Center of the Aging, see what they suggest, meals on wheels, so you have to cook less. Take advantage of anything out there that there is, and will make life easier for you. My husband is older than me also, so in my head Ive been thinking about this and what I will do.

This is advice, just from a brief explanation of your husband, more details of his health would be better, if you want to expand on his issues.

Nothing about this is easy, I know!!! 🙂‍↕️🫂
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Travler, you don't mention how much "care" your husband needs. Is he able to get up, do things for himself or is he bedbound or requires assistance getting up?

Or-- is he like my husband was (while in early dementia)-- simply a bump on a log?

Assisted living is expensive. Do check places, as prices can vary.

If he goes to AL alone, everything will STILL be up to you, around the house.

If you go with him, you will STILL be taking care of him. Plus dealing with selling/moving...

What about hiring a part-time caregiver for him? Probably less expensive than AL.

Sorry you're dealing with this.
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