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GratefulFather Asked May 2020

I am the senior citizen and I need resources to help reduce the stress of a daughter who is solely responsible for my care. Any suggestions?

My daughter is an only child and I worry about the stress of being solely responsible for my care as life goes on. I have some pretty bad ongoing medical issues. I am presently living with her and my 11 year old grandson because of Covid-19. Please help me find resources to better handle the difficult situation.

Grandma1954 May 2020
If possible plan NOW to arrange care for yourself so she is not "responsible" for your care.
If you can sit down a write a "promissory note"
You will not refuse care from paid caregivers...
If caring for you becomes burdensome you will not refuse to go to Assisted Living or Memory Care.
Sign now a POLST form that gives directives how you want medical treatment handled. Do this now so she does not have to make decisions based on what she thinks you would have wanted. And so she does not "feel guilty" after making a decision.
And or if you can afford it, as much as you may like living with your daughter when things get back to "normal" or what our new "normal" will be start looking at Independent or Assisted Living facilities to move to so that you will have a space of your own, and you will have a variety of activities that you can choose from. This way she will not be responsible, she can be a daughter first not a caregiver, she can be your Advocate in the future not a caregiver.
You sound like a great dad and grandpa!
Tressie14 May 2020
This is absolutely the best advice you could give. I am an only child, and my parents both arranged to have finances and plans to move to assisted living when it was time. They arranged this 25 years ago, and now that it is time my father has refused, uses guilt trips and blame, and I have never been so stressed in all my life. I am literally living this at this moment, pleading with my father to fulfill the plans he has in place. My parents have the finances, and I have found them a beautiful assisted living place where some of their friends are, and then my dad pulled the rug out from under me. I still have everything arranged, albeit under his protests, and can only hope that once he gets there he realizes how much better off he and my mother will be, and they will be together, stress free. Grateful Father, you are exactly that. Please sign the promissory note, and know that your daughter loves you, and will do the best by you. This is one of the most heart wrenching decisions she will ever have to make, and knowing that she has your blessing will mean the world to her!
Midkid58 May 2020
I don't have any advice--just a feeling of gratitude to you for looking ahead and thinking of your daughter and HER wants and needs, even though you could just dump all your 'worries' in her lap.

Bless you--wherever you land, you will make new friends and be a blessing to others!

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Geaton777 May 2020
Gee, every dad should be as wise and caring as you! I'm an only child too so I understand your concern for the situation, my mom is 91 and lives next door to me. For right now, you can call your county's social services and see if you qualify for some in-home help. It won't be full-time, but they may provide a person who does light housekeeping and meal prep, laundry, etc. Your local area's Agency on Aging, or a senior center can also have good resources.

You can hire a reputable care agency (like Visiting Angels) to come in to help you as well. I've been very satisfied with this type of help. Also, I'm hoping your daughter is your durable Power of Attorney. It is critical that this get done asap. Whatever doctor you go to ask for the Medical Representative form and assign your daughter as your rep. This allows your doctors to freely and legally discuss your medical issues with her. This is different than a HIPAA release form or her medical PoA. You need the form for every doctor you see.

For the long term, and if you haven't already done this, you should invest in a consult with an elder law attorney who specializes in estate planning and is familial with Medicaid. I'm not sure if you family is living in your house or you are living in hers, or if you're paying her for your care, you need to know that what you do now with your money and assets will have a huge impact on what happens down the road as your care needs increase. Primarily, no not gift her money or possessions or assets in any way as this may disqualify you for Medicaid, should you need it (and you would be astounded how many seniors do need it who thought they saved enough). You should have a written contract for paying her for your care, you should be paying rent to her if you're in her house, etc. All your money transactions must have a paper trail. The Medicaid application can have a "look back" period of up to 5 years in some states, so it's very important that you talk to an attorney. I hope this info isn't overwhelming you but a little leg work now will save you and her lots of headaches in the future.

But the best gift you can give your daughter is to release her from being your caretaker. This means you researching Assisted Living communities local to her. She will be very conflicted and guilt-ridden about not providing your care, and you not being under watchful eye, but eventually it WILL overwhelm her. Her first priority is to her child and she needs all her strength, faculties and resources to do so. On this forum is the topic Caregiver Burnout. If you have any hesitation or doubts about moving on, you should read a few of the thousands of posts. I wish you all the best!

gladimhere May 2020
You are a very thoughtful father and correct. Your daughter is at the time of her life where she needs to build and establish her career and care for her #1 priority, her son.

Contact the Area Agency on Aging in your county. They will help you to locate resources and the maze of elder care. If you are a veteran there is help there as well. In the meantime day as much as you possibly can for yourself.

birnamwood May 2020
As an only child, I took care of my mom for 6 years. Aging takes place in stages. I was happy to have her and I did get assistance of daily home health agency. I refused to bath her and wanted to maintain her dignity. It was less expensive and better care for her. She had the master bedroom with her own bathroom which was larger than AL or NH. She could have anything she liked to eat and I worked hard to make sure she was "spoiled". I was clear that if she had ALZ or could not get out of bed, she would need more care. I did continue to work part time and have friends visit. She was lonely and most of her friends had passed away and had stopped driving. I did eat dinner with her every day. I did take a vacation each year and paid $$ money for 24 hour care.
We had three trips to emergency room and rehab. I took her to dr appts and was able to stay close to the situation.
If you can set up separate living quarters to ensure you both have your own space it does work.
Plan where you would go if you health gets worse. Make your wishes known. It was a hard discussion but we had a plan that I could follow.
Make sure you have all your paperwork in order. The paperwork was a battle. She did not want to let me handle stuff but she couldn't handle it.
It was a long journey with ups and downs. She passed away this Feb and I am glad I managed her care.
You are very smart to check your options. Remind yourself that often siblings do not always share responsibilities. As an only child, I was very close to my mom and my daughters witnessed what family does. Hope they will be able to do the same for me.
Best of Luck
JoAnn29 May 2020
You need to consider yourself lucky. It seems your Mom was "easy" and no problem, but its not that easy when you have a stubborn parent that wants it their way or like some members, feels they need to be the boss in your house.
JoAnn29 May 2020
What a loving father. Geaton was right on the money. There are resources out there and starting with your county Office of Aging is a good start. You may want to see what your supplimental insurance covers. Some have things like Silver Sneakers where u can go to a local gym. O of A may have transportation to take u to appts and shopping.

What I should have done was talk my Mom into selling her house. It ended up being an Albatross around my neck. By the time she came to stay at my house, it was falling apart. My Dad had died 8 years earlier. No money for upkeep. She could have had a nice apartment. Easy to keep up. She could have sold it and lived off the proceeds. She would have saved on lawn service, taxes ect. I wasn't able to sell it till after she passed. In the meantime it just kept deteriorating. I had to clean out 60 yrs of junk. She had clothes and stuff of my late sisters. Things my siblings had left behind. I am a senior too and it was just me and some help from DH. The day I sold it a burden was lifted off my shoulders.

Taarna May 2020
I appreciate you so much. My family will never discuss elder care issues until the need pops up... and that is not good planning.

Please visit a lawyer to have your will, medical directive, and powers of attorney (medical and financial) drawn up. Ask him/her about legal issues of seniors as well as inheritance with your state's laws. Make sure to talk about drawing up a contract between you and your daughter that outlines what your financial responsibilities are while living with her: medications, food, lodging, transportation... Pay her accordingly and keep a record of payments. This will become more necessary if you need medicaid.

Please visit your banker to address financial issues. Talk to him/her about how to manage your finances so you don't cause legal difficulties or problems with medicare or medicaid. He/she can also let you know about any financial plans they have to help ease transitions of inheritance and paying bills.

Lastly, start gathering your care support network. I am not questioning your daughter's ability to care for you or her devotion. If she ended up sick or in the hospital, you would need somebody else to provide your care. Family, friends, and people from your church could probably step in for a short time for emergencies. However, if would be wise to have already screened and selected a home health care agency for longer term help. I would advise doing the same for an assisted living facility if your daughter becomes unable to provide your care.

I am praying that you enjoy a healthy life and wonderful relationships with your daughter and grandchild during this season of your life.

GardenArtist May 2020
Are you a Veteran? If so, the VA has over the years expanded its caregiving program and provides more relief. If this would apply to you, post back and I'll dig up the research I've done and provide links.

Shanlee May 2020
Bavo, for thinking about your daughter. I was an only child, and helped my mom take care of my dad, when he had end stage Parkinson's, and took care of my mom after she developed Dementia.

My main problem through all this was Medicaid's FIVE YEAR LOOK BACK. Which means that you and your loved ones must be able to see into the future. They expect you to know when you will get sick or hurt, and that any monitary dealings (like birthday presents, giving a family member a little money to help out, etc) is viewed as trying to defraud Medicaid. Remember, you are supposed to know what the future will be for you in five years.

You and your daughters finances will be tied to that five year look back. Please.... never start a joint account with your daughter.

I started an account and put my mom's name on it just in case something happened to me, that was for emergencies: like car repairs house repairs, or saving up to get my eye surgery. I was the only one who put money into the account every month, because it was my account with my money.

But when I could no longer care for my mom because of her advanced dementia, I had to put her in a memory care facility. And Medicaid, said, that all the money I had put in my account for over ten years was ALL HER MONEY. Not mine. And it all would be used to pay for the nursing home, before they would start Medicaid.

Get an elder care lawyer. Its money well worth the price.
Getkicksonrte66 May 2020
State of California has a 2 year look back
cb123456 May 2020
Long term care insurance saved us when mom  got dementia
gladimhere May 2020
Long term care insurance is great unless, like my mom, buys a policy then in early stages of dementia stops paying. Yes someone, the POA, should have been watching whAt she was doing a lot sooner than she did. Then once it is realized that she quit paying, been diagnosed with dementia, of course the company would not reinstate it with back payments.

If a policy is purchased make sure someone is tracking that payment.
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