I am not a caregiver.
I am a 71 year old woman who is suddenly getting many issues and medical diagnoses, including stage 3b kidney disease and bursitis of the knee and hip which is giving me a lot of pain when mobile. I also have bipolar disorder, but can manage this with the local clinic's help at the moment.
The problem is that I have no family whatsoever in this country and I can't expect to rely on friends should any of these problems worsen and leave me unable to take care of myself. At present, I am very lucky to have free services from the local Department for Aging and Disability but this is not reliable with regard to non-skilled workers who either turn up or they don't, and I don't see myself being able to rely on them for any skilled nursing care in the future. I have tried a lot of different agencies, but they only pay minimum wage so cannot keep their staff.
My income is small, $20,400 p.a. at present (depending on the exchange rate seeing as one of my pensions comes from my work in England). I have Medicare parts, A,B,C and D and have taken care of other services like Medic Alert and future Meals on Wheels. However, I understand that Medicaid will not pay for any long-term care because my income is 'too high' according to them, but when I look into private facilities, my income is far too low. I have very little savings and am having to dip into them quite often these days to pay for various emergencies. I seem to fall into the gap.
I am researching all this for the future when I may indeed be more incapacitated and unable to care for myself. If you can give me any help with this I would be very grateful.