Two years of this fight. With delays, denials, more delays. You are allowed to have financial help with your bills if you're the sole caregiver and can't work because you're taking care of your loved one. But guess what? You have to have a contract in place BEFORE you do that. We were on fire trying to take care of everything and it was either use my dad's money to help my bills or file bankruptcy. I kept my dad home at least a year beyond the time others were advising it. I just could not do it until there was no way he could ask me not to - the last year my dad thought I was a girlfriend or partner which was traumatic. I guess I don't understand why there is an undue hardship waiver option available the criteria for which the client would be at risk of losing his life, health, shelter, food and clothing. My dad can no longer speak intelligibly, walk, carry out ANY activities of daily living (he went into Depends 2 weeks after he got there - there is no way I would have been able to handle that) - most days he can't figure out a spoon. I didn't have any help - a sibling grabbed the money she could early on and didn't even make a phone call. I can't show where those funds were deposited because we don't speak and she no longer accepts certified mail from me. I wasn't kind - I did send her some of my dad's dirty underwear. So my question is - if my dad meets the criteria for the hardship waiver - why the denial? Here's the kicker - you can request an appeal. You can call the number on the form or the only number given on their site. 1-800-435-0774 option 3 for appeals. It rings 30 times and disconnects. Nobody ever answers - I have been trying for days. I didn't place my dad by choice - my psych gave me the choice, I either place him or he would admit me involuntarily for depression and exhaustion. We can meet half of the nursing home bill. So far the nursing home is being patient with us but every denial we get - they remind me that there can be an eviction with a 30 day notice. Mostly I'm hopeless. I can't take him back in the advanced condition he is in now. If I were forced to I would just take both of us out. That's where we left off when my doctors stepped in. I don't know what to do. I'm in such a hole financially I can't borrow more money. I charge my dad's depends at almost $100/month. This has been going on 2 years - my mind can't take anymore.