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My husband has mild Dementia. We live from check to check. Will they take his money? I won't be able to live on what I get in retirement. We have no 401 or savings. I'm new to this and very scared and want to do the things I need to do in a timely manner so I can have all my ducks in a row when the time comes. Thank you.

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Contact the Agency on Aging in your area; they should be able to help. You might be able to get some help from the Alzheimer's Association in your area--they should be able to point you in the right direction. Calling Medicaid directly may be helpful in getting started with filling out the applications.

Depending on your income, you could also look into low cost or subsidized housing and food benefits. Good luck and take care.
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tarajane, Medicaid can help by sending someone from an agency [they have their own list] to come to the house a few hours each week. Or they could send someone out to work one shift each day. It all depends on your State and what programs they have available. Each State is different, with their own programs, rules and regulations. As you read through the forums here, jot down questions to ask Medicaid.

I hope this works out for you.
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Tara, you are asking ALL the right questions! I just wanted to make sure I wasn't missing a pot of money that you hadn't mentioned. I'm told that many eldercare attorneys will do a free half hour initial session, so you have an idea of what you need. Asking your local caregivers group is a great idea, especially if there is a facilitator who knows about local resources.

I find above all else, don't listen to the folks who say "I heard that..." get the facts from the horse's mouth, not the horse's a $$.
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I guess really that I need to contact an Elder Care Atty. Duh, just have patience with me. God knows I need it.
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I just thought Medicaid would help pay for him to have some home care and as I said this is new to me. I never had to care for my parents. I will look in to it further and I have a meeting the first Monday next month for Alz and Dementia care givers. I will take a list with me. Thank you...
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Tarajane, what money are you thinking they will take? You said you have no savings. If your husband goes into a nursing home, there will be a Share of Cost for him to pay based on his income. But if you can show that you need some of his income to live and not fall into poverty, then you will get some or all of it. At least that is my understanding of how it works.

What are you applying for Medicaid for? Do you need home care, or is he going to need to be in a facility soon?

You might look at the Medicaid website for your state, or you might find a legal clinic through a local law school or the Area Agency on Aging. Hoping some of the saver folks will step up with more precise advice later in the morning.
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