My MIL has dimintia. A few weeks ago I was told she can't be left alone anymore. I am trying to get some help and respite care. There is not enough money to hire someone to come and help with her and we certainly can't afford to pay for her to stay somewhere for a few days while I have a break for a few days. I was encouraged to try to get her on Medicaid so we could have someone come in a few hours a week. However, she has a term life ins. policy for $12,000.00 that disqualifies her. I don't understand how this can be considered an asset when it has no cash value and can only be used after she has passed. It will be used to bury her.
Does anyone know of any kind of help I can get for her and myself