All the facilities I have contacted require "up front" payment in cash before accepting my partner into their facility when I need to have a break. Why is it that the insurance companies don't pay for respite care? They are killing off the caregivers.
https://www.agingcare.com/questions/why-cant-i-use-a-credit-card-at-a-skilled-nursing-facility-for-my-partner-when-i-need-a-break-454498.htm
Is hospice an option?
Are you able to use a Miller Trust to reduce wife's income? Are you working with an eldercare attorney on Medicaid eligibility?
Some resources:
National Respite Locator Service
www.archrespite.org/respitelocator
Well Spouse Association
1-800-838-0879 (toll-free)
info@wellspouse.org
www.wellspouse.org
Eldercare Locator
1-800-677-1116 (toll-free)
eldercarelocator@n4a.org
https://eldercare.acl.gov