I guess this question is a financial one. I am so weary, I’m not sure.
I have both parents on hospice in their home 2 hours away. They have had very debilitating illnesses for over 8 years, and while they have 24 hour aides, I have been there. I have no other family to help.
I am too exhausted mentally, emotionally and physically to go into more about their diagnoses... it’s in previous posts.
We have tried to meet spend down 6 times, with them being over resourced each time. Cashed in their life insurances, pensions, etc to pay for care. Almost at spend down again; then their small parcels of land sold.
Enough money to pay for care a few more months, but not enough to enter into a facility as self pay.
They are down to $2300 in the bank, total, and I will not be able to pay their caregivers next week. The land won’t settle for a few weeks.
Should I cash in the rest of my retirement to pay their caregivers?
I don’t know what to do.
My financial situation is awful.... I am an only daughter dealing with this, and after very aggressive breast cancer 2 years ago, my finances were obliterated, and I have many health issues from the hard treatments. My health is poor. I was diagnosed last week with lupus and other autoimmune diseases, and have applied for disability, but am waiting.
Even though their choices have caused me and my son great stress, I love them and want them to be safe.
My daddy’s getting worse, and I don’t want them to be afraid about every dime.... I do not think he will be here much longer.
The stress load is overwhelming.
I’m only 50, and feel like I’m 100.
if I cash out my small retirement, it may be worth it to lessen a bit of the stress.
I just don’t know what to do.
Thank you, to anyone who replies.