As I've had to take over the medical decisions for my mother, who is now transitioning from IL to AL (and most likely to an MC ward in a year or so), I am very concerned about our own situation.
Before you lambaste us for not planning properly financially, you're reading the post of a person whose husband is so accident-prone that he's been hit multiple times as a pedestrian, has been electrocuted at least 3 times (he's not a lineman, thank God, or he'd be dead), and has been hit in vehicles numerous times. He walks about like my 82-year-old father does. By some miracle, he survived a horrific rollover accident earlier this year while avoiding a vehicle that fled the scene. It's a miracle he's alive. Our finances have always been a "wreck" because of all of these life events.
We are about to be empty-nesters in the next few years, are struggling to help our kids with cars and college, and I don't see my husband being able to work much longer. His pain level has wrecked his blood pressure and every time the weather changes, he struggles to not only get out of bed, but also to be the sweet, kind man he is. We cannot afford health insurance for him, let alone any LTC insurance.
Can anyone enlighten me on what our eventual living options might be, IF we can get him on disability? I DO NOT want our kids to feel as responsible for us as I feel for my mother. Our kids are full of potential and I don't want to stifle that. Any input would be much appreciated.