When do you seek a different level of living, such as assisted living?

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Next step in caregiving in assisted living. They aren't cheap, expecially when you still have other bills to pay. Some say to have your money put into another's name and that would qualify you for assisted living. Such as, if we earn too much for the lower income level, but not enough for the other; we are in that gray area. Financially. Maybe, if we put my money into a different account and his in another account, then maybe we could qualify for assisted living in the lower income level part. (?)

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It is a rent home, and yes, I will have to make some safety changes. Add some things. I have a seat for the shower and I have also watched some videos on how I can do some things to help him get around and move in bed to sit up. If there are any major additions, like a ramp on the front porch, I will need permission from the landlord to put it up. Unless, I can find where to get a "portable" kind, if there is such a thing.
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Consider how much and what kind of help you need right now. Can you get by with meals on wheels? Companion to help with housekeeping and errands a few hrs a week? CNA a few hrs a week? Can you do adult day care to help you manage thru the day (assuming both of you don't need same level of care)? Can you find a housekeeper willing to do chores and some cooking? Is your current home elder access able or could be with a few minor changes?
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You might want to talk to Senior center or center for aging and or research thru AARP site. Sounds like you are looking for financial assistance or conserve your assets. It's not easy because some care facilities including AL will require you to apply as a resident and the application will require a financial disclosure including income, tax forms going back a couple years, real estate, insurance and other investments. There are ways to gift some of your assets but there can be a look back period...for Medicare it can be 5 yrs.

A good source of exploring costs, financial assistance, VA benefits etc is in a chapter on finances in the book "36 hour Day". You can get it at the library.
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