I did fill out the AL Calculator here on this Agingcare website, for my mom who is in her 90s and lives at home. She is getting more & more frail, and has fallen. She has a little nest egg and gets Social Security, BUT even with that, she does not have enough for an AL. The figures given in the AL "Calculator" are just not current....in our area they gave a figure of $3,300 per month and that is about $500 too low. (This is for No medication help, no mobility help, just base rent).
We have been to visit several facilities, but it is very difficult to ascertain the Total Costs in advance. Yes, I know it is a changing situation. But who in their right mind would sell their house and move into a place, without reasonable assurance that they will NOT run out of money?
I am feeling like I have to make a major Life Decision, and not able to see the End Game where she expires peacefully in a nice cosy bed in her OWN ROOM. It really seems like you either have to have nothing, or a million dollars; those who are middle-classed have paid paid paid all their lives and now have to pay pay pay and not know if they have enough for the end.
I would appreciate any wisdom from those who made it possible for their middle-classed parents to have a middle-classed death.
(Yes she has already pre-paid her funeral).