Has anyone come up with"out of box" idea to stretch parents money to keep them in home setting?

Follow
Share

before placing them in a community?


We are lucky enough to have care in home. Its cheaper for 2 working their house. Sooner than later the money is going to go. We've been advised to place them in community so we can pick the one we want. I just can't seem to have the heart to do that. Has anyone tried something different? I even thought of putting a camper in my back yard. Adding on my home means I have a future dealing with medicaid. Both parents "wore out their brains" but bodies healthy.

This question has been closed for answers. Ask a New Question.
Find Care & Housing
14

Answers

Show:
So, I forgot to post the website! wnylc/health/entry/129/

If it doesn't show up this time, then is has something to do with this site. google nursing home transition diversion program. you'll see a lot of new york state info. you will also see medicaid consumer directed programs.
Helpful Answer (1)
Report

Hi Ihave2, check out this website:

It took us about 3 months to get the program going, but I had to get Mom on medicaid first. If you have that already you will be ahead. Also, we're told it's going to take about 3 months to get a stable set of staff. Mom can be quite mean - dementia behaviors, and we live in the sticks. So it's been a rough start getting folks out here and getting them to stay. Still, it's been a godsend already. Christmas was much easier and my husband and I have been able to get out a couple of times. Sleeping in my own bed is more wonderful than words can say. Hopefully you'll have access to something like this in your state. Happy New Year.
Helpful Answer (0)
Report

Under consumer directed medicaid there is no look back and your parents can have 1 home and 1 car. The 2 main programs are the nursing home transition diversion program (they qualify for nursing home care but you get aids in their house instead) or managed health care - I don't know much about that. It's a bit of a process but it is a life saver for US and for my Mom. The folks who talk about doing the job of 3 people every day are not kidding. You do not want to sign up for that for very long. It will tear you apart.
Helpful Answer (1)
Report

Again, you will be doing the work of 3 full-time caregivers each and every day. Note that 40% of caregivers pass away leaving behind their loved ones. Not good odds. Then what? Your parents will go into a continuing care facility. Why not do that now instead of dragging this out month after month, it's only going to hurt you, not them.
Helpful Answer (1)
Report

Hi. I have my own home. Parents have theirs. I was thinking of buying neighbors home putting my parents in that home selling theirs and using money from their sale to keep them in home setting longer. Sound crazy? What do I need to look out for.
Helpful Answer (0)
Report

IHave2 - one thing to keep in mind that if your folks need to apply for Medicaid, the state can do up to a 5 year lookback on their finances. Just how involved in detailed documentation really is dependent on just how your state administers it's Medicaid program.

? for you, the house your folks are in right now, is it your & your hubby's house or is the house owned by your parents? I was kinda assuming your folks lived with you and did not own a home, but perhaps that is not the situation? If the property is your parents and they apply for Medicaid, the state will be required to attempt a recovery of all $ paid by Medicaid (this is MERP & done in all states). It is not limited to payments for NH Medicaid but can be all sorts of community based Medicaid programs as well. If you are living at their property, you really need to asap do a rough tally of any & all costs paid by you & hubs on the property or on their care and see a NAELA elder law atty to go over all this as well as updating your parents legal and what options are for dealing with MERP. There is a caregiver exemption but if you & hubs work then you are not full time caregivers so the exemption probably won't be out there for you to claim with MERP. Really dealing with Medicaid if there is property really needs some sort of legal input as to what is feasible for how your state runs Medicaid and state laws for property & probate.

If your folks live with you at your home, it's not quite so complex as long as there is no commingling of money. Personally I think it's a good idea to meet with legal to get all updated or done before they apply for Medicaid or move into a facility whatever the situation.
Helpful Answer (1)
Report

Thank you for lisyening. I was wondering if their wete crazy ways to stretch the money. Like buy a house in your name and then sell parents and use that money for a couple of more years. Just something out of box.
Helpful Answer (0)
Report

Dear IHave2,

You sound like you love your parents dearly. Kudos to you for being a loving family. So sorry you are dealing with dementia. That is a toughie! I know, we've done it for nearly 2 years now for my mom..

It does get difficult at times. If you can take care of the parent(s) for now at home and are able to deal with it, good times all around. But sometimes it gets difficult as the dementia person needs a lot of supervision. I ran out of answers after a while. Also giving up your own life has its down points too.

Regarding the money, here is what I found out for MN. If you find a decent assisted living place (we found a residential one), they can be better than a big place - just for the sheer ratio of caregiver to patient. We found one that is 1 to 6 vs. 1 to 15 in the big places.

One of the things we learned that most places want 2 years of private pay. That's a chunk of change that we never had to begin with. Home care really stretched out the funds because we never took any money for the care.

The place we are going with will take 6 months of private pay and then we have to deal with medicaid. So please look at the financial side of things - that will help guide you. Also as the brain deteriorates, so does the body. So you need to consider your resources, both financially and emotionally, and logistically and look at what you can handle. We found out our limits.

The two issues combined (lack of money = lack of choices and less brain = less body) made us decide this was the window of opportunity for my mom to get the best care for the remainder of her life.

I will keep you and your loved ones in our thoughts and prayers. I understand what you are going through. If you want to talk privately, let me know.

Best regards,
LastOne
Helpful Answer (2)
Report

I know it must be difficult. It's just that with dementia there are so many things going on. It's the constant supervision, because they can hurt themselves. Plus, you have to be so observant of every little thing, because they often can't communicate their pain. And they can be resistant, uncooperative and hostile. Then there is the physical aspect of incontinence, bathing, feeding, sleep disorders, etc. There are so many all encompassing challenges that it takes it out of the range of most people's ability. It's not like helping someone with a bad knee. It takes all of your time, energy and life to care for them. If you will read the various personal stories on this site, you'll see what I am describing.
Helpful Answer (2)
Report

Wow, Thank you all. Its the quilt thats killing me. I never would of thought this would of happened to them. Thank you
Helpful Answer (0)
Report

This question has been closed for answers. Ask a New Question.
Related
Questions