After 2 long years, my husband is in a memory care home that is working out. The owners run it, and there are 3 caregivers that live there full time. But the last 7 months have been a full blown nightmare. All our money is gone. One place that was supposed to be temporary after his rehab stole 2,500.00 and I was going to use it to pay for the home he is in now.
Expenses were high here at our home, taxes, insurance, I sold the car, just to pay the memory care home. I went to the ER last November for a staph infection,and then talked to a person at the hospital about Medicaid. As always I put my husband first and was able to get him approved. December, I lived on minute rice all month. Then out of complete frustration I called some one that handled my divorce from my first husband many years ago, to inquire about divorcing my sweetheart:(( the financial burden along with the abuse I was receiving from these homes, we're killing me. She put me in touch with a wonderful humanitarian lawyer who I met with. He looked at the trust papers and power of attorney, and told me I should have seen some one a year ago. Anyways, I obtained 2 signatures from my husband's doctor stating his incapacity, and met with a loan company to borrow against the house. I need to pay back rent for the place he is in and cover other expenses. I am now the trustee. We have no mortgage, good equity, there is no one else. My question, when I made the appointment for credit counseling, I didn't complete it.
Because he said the loan would not go thru because my husband is not living with me. I am not on the deed, but what is going on? It's for him, I sign the papers the right way, everything. The whole point of this was to make sure he is allright, and he is. Paying for these homes killed us, now that I can do something they are telling me, he has to be home for the loan to go thru??? I told him I need surgery, among other things, and there is no possible way he could come home. Btw he fell last May and had a total hip replacement, and in his mind he doesn't know where he is. I am trying to understand all of this but it's so confusing? I tried so hard. Any thoughts or advice is greatly appreciated.