How can I get a full-time caregiver for my mother in Washington State without anyone having to pay out of pocket?

I can’t think of any question that illustrates the lack of understanding and planning for old age more than this .. ‘How can I get a full-time caregiver for my mother .. without anyone having to pay out of pocket?’

I'd sell the family home and get them into ASSISTED Living to finance the cost of having caregivers on site 24/7. Of course, AL does not offer 'full time' caregivers, but care on an as-needed basis. Full time live in help is not covered by Medicare OR Medicaid, which is why seniors find themselves in such dire straits, frankly. Once their money runs out, Medicaid can kick in for long term care in a Skilled Nursing Facility if they qualify.

Your father's best bet is to sit down with a certified Elder Care Attorney for guidance and advice on the best way to proceed here. No joke. The EC atty can guide him on Medicaid requirements also, which is very helpful.

Good luck!

I am with Mac only it should be Assisted living. If Dad needs a caregiver for Mom, IL is not for them. Independent living is just that, you need no help. My SIL kept her Mom in IL as long as they would allow. That was with her stopping by every night after work. She was lucky that they provided filling of med boxes.

Do they need 24 hour care? If so, is their current living location still appropriate?

Or is it more about reducing risk & fatigue on your Father?

Are there other ways to achieve that?

No. Medicare is health insurance, it isn't for caregivers.