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Kelt 05-19-2016 08:49 PM

Quote:

Originally Posted by Kelt (Post 1058586)
Whew! Taxes.

Just short of a year ago in a huge karmic swipe, my father died on tax day. You had to know him to get that, but to say it was ironic is a major understatement in a Monty Python kind of way...

Today the E-file happened, 7 federal and 2 state tax returns filed and the only one of them that needed a 90 day extension (estate) was also completed. While I'm no accountant, I was the one who rescued the three carloads of paperwork and brought it all back to my place for sorting so that I could spend the last six months looking for and providing the answers to the endless stream of questions from 3 accounting firms.

I'm incredibly lucky in that I have found some really good "on ground" caregiver help and her RN is in a position to hire and manage other care providers to spot changes and help her with things that need helping with. (An ever changing menu)

Update:

Yeah, letter from the IRS today, nothing worrisome in particular, just a hold up to close the estate. "We're holding your refund until we finish reviewing your tax return." I wonder which one they're talking about. :seeingstars:

I am so grateful that the on ground people I have for mom are on the ball. A couple of weeks ago they noticed her surgical site looked weird. I had them take her to the surgeon who was mystified and said it was probably a change in blood flow. :blink: OK...

4 days later another caregiver said it was changing and sent a photo to her (private) nurse. He promptly booked/took her to her regular Dr who examined it under UV in a dark room and started her on an antibiotic course. Nobody really knows what's going on, but we're all hoping for "small subcutaneous infection" to be remedied in a few days. We'll see...

I have a yard full of contractors and jury duty in three weeks (which I postponed for the surgery 5 months ago).

Suitcase handy...

socialjustice_fsu 05-26-2016 01:34 AM

This Friday
 
my precious mom is coming home from being in a physical rehab facility for 2 months following a major stroke. I will be her care giver. Although the CNA's, PT and OT have taught me so much related to caring for her I continue to feel inept. The thought of this dependency on me is overwhelming. We do have home health coming in starting next week. Mom is a one person assist with almost everything. She lost most of her vision, her speech has been affected and her left side is basically useless. I try not to think about the future too much but right now I seem to be doing a lot of 'what if's.' My health is not too good. Open heart 4 years ago, 1 MI and the constant fear of another one. My 35 year old daughter lives with mom and I. She is not a kind person and is a hindrance in most ways. Always wanting to argue....Not sure if I can tolerate that part too well. My mom has always been my daughter's enabler and subsequently it has created something similar to a tyrant. Mom has refused to make her move - only to rescue her one more time. She is a full time college student so at least she is earning a degree with good grades.
All I can do is take it one day at a time.
I am grateful for this place to simply talk it out and know I am not alone.

TIMBERWOLF 05-26-2016 12:46 PM

I would like to say great job to those of us that have had to take care of parents, spouses or ex spouses. It's not a easy job cause if it was everyone would do it. I know just watching my best friend of 14 yrs and now wife that she put up with a lot of abuse and shit taking care of her ex partner with cancer cause she promised hym she would and to me that is commendable . I came down to help her with hym and he asked me to take care of her and my wife's daughter and also to shave hym. Dignity is something I gave my Mom and Dad when they were passing. im in End Stage Kidney Disease and have many Dr Appointments that my wife sets up with the right Dr's, takes care of the house and her daughter plus going to college on line. Sometimes I don't know how she does it, but I appreciate her and love her so we do what we can. I wish she had better insurance so we can get her taken care of also. Just ranting today but GOD,Great Spirit blessing on all that have to do this.

TIMBERWOLF

Kelt 05-27-2016 09:50 PM

Quote:

Originally Posted by Kelt (Post 1067100)
Update:

I am so grateful that the on ground people I have for mom are on the ball. A couple of weeks ago they noticed her surgical site looked weird. I had them take her to the surgeon who was mystified and said it was probably a change in blood flow. :blink: OK...

4 days later another caregiver said it was changing and sent a photo to her (private) nurse. He promptly booked/took her to her regular Dr who examined it under UV in a dark room and started her on an antibiotic course. Nobody really knows what's going on, but we're all hoping for "small subcutaneous infection" to be remedied in a few days. We'll see...

Today she thought it looked worse so her RN went to check it himself. Yep, it looks worse, he sent me the pic, we/he decided that with a three day weekend coming up it wouldn't be a good idea to wait for her regular Dr. He took her to ER where they did some bloodwork, x-ray, and general head scratching. Something isn't right but nobody knows what, another heavier round of antibiotics for now. Next week back to surgeon for an exam, maybe a tissue sample or something if no change...

I cannot believe what good luck I have in this RN that I found for her, he coordinates everything, does all hiring and payroll for her other helpers, and on and on. It's 8:45pm where she is and he just called me again to tell me the med change and let me know he had gone to the drugstore and got her started with this first night dose. Her meds are all mail order, so he is really going out of his way to do all these extra things. He also worked in the local hospital for 17 years, the last five in oncology, so he knows the local surgeons, Drs, and all the nursing staff.

I, of course, am stuck here for a bit. I gave up on her attorney and am now working with mine while I work on my own revised will, to set up a game plan for what happens to her if something happens to me. (I'm the only one who knows how all the moving pieces fit together) Week after this next one I have 5 days committed to jury duty. I hope everything holds together for a couple of weeks, or better yet resolves.

The good news is that mom feels fine, not sick or in pain, likely enjoying all the extra attention. :)

Chad 05-27-2016 10:18 PM

Caregivers
 
My turn is coming, my mom is 84 and we are working on a plan. I am scared for the years ahead. I am the only surviving member of our family besides mom so it all comes down to me.

Kelt 05-27-2016 10:28 PM

Quote:

Originally Posted by Chad (Post 1068257)
My turn is coming, my mom is 84 and we are working on a plan. I am scared for the years ahead. I am the only surviving member of our family besides mom so it all comes down to me.

You're in the same boat I'm in. No help or backup. My mom is also 84. If your mom has friends or a church or something that might be a start.

I'm glad you're working on a plan now, there are more details than you can imagine. I thought my folks had living wills, it turned out to be just pour over wills and asset paths. When my father died last year was when I figured out they had changed things recently, and apparently not finished.

Figure out all you can now before the pressure hits, you'll thank yourself later.

Chad 05-28-2016 06:06 AM

Quote:

Originally Posted by Kelt (Post 1068259)
You're in the same boat I'm in. No help or backup. My mom is also 84. If your mom has friends or a church or something that might be a start.

I'm glad you're working on a plan now, there are more details than you can imagine. I thought my folks had living wills, it turned out to be just pour over wills and asset paths. When my father died last year was when I figured out they had changed things recently, and apparently not finished.

Figure out all you can now before the pressure hits, you'll thank yourself later.

Thank you, my mom has a big support group where she is but I have to move her because she lives too far away from me. I wonder how that will effect her quality of life.

DapperButch 05-28-2016 09:57 AM

Quote:

Originally Posted by Chad (Post 1068268)
Thank you, my mom has a big support group where she is but I have to move her because she lives too far away from me. I wonder how that will effect her quality of life.

Chad, Kelt lives far from his mom and he has been able to manage it. I am sure he will come in and give you some ideas.

My role in order to "take care" of mom is to NOT move. Like, I no longer see myself as having that choice since we live near each other. My sister is on the other side of the country. Don't feel bad for me though, I like where I live. But, there are also a couple of other places I have fantasized moving to. Also, my sister will be very involved with getting/keeping things set up for mom. I won't be alone in it, even if I lead it.

I don't expect that my mother will ever live with me though. She has a large long term care insurance plan which gives the option for people to come to her house instead of her moving into a facility. She can use her monthly allotted amount however she would like. We hope that unless she has cognitive difficulties that she would be able to stay there until the end.

All of you guys are amazing for what you do for your parents. My hat is off to you. Hang in there.

*Anya* 05-28-2016 10:47 AM

Quote:

Originally Posted by DapperButch (Post 1068306)
>Snip<

I don't expect that my mother will ever live with me though. She has a large long term care insurance plan which gives the option for people to come to her house instead of her moving into a facility. She can use her monthly allotted amount however she would like. We hope that unless she has cognitive difficulties that she would be able to stay there until the end.

.

You touched on something important Dapper.

Money.

If our parents or ourselves were/are able to save/invest/have long-term care insurance; it is much, much easier to ensure needed care, than if we do not.

My parents are very well-off. They both had great jobs and my father invested and saved.

They are now in a very nice assisted living facility. My dad is now 92. He is cognitively intact but never recovered from a hip fracture from about 4 years ago. Most elderly people do not survive a year after one, so he is fortunate in that regard.

Due to their money, he receives the highest level of care for all of his needs. This ensures he does not require a higher level of care such as a nursing home. I do not believe he would survive that mentally and would give up.

My mom is 89. She is in better physical shape and requires a lower level of assistance but they live together in the same sort of apartment. All their meals, nursing care, doctors, etc. are taken care of.

As I am the black sheep of the family and am periodically "kicked out" of the family, though I am a nurse, my father chose my oldest brother as the one to make all of their healthcare decisions and my youngest brother, the total spendthrift, to be the executor of the estate.

It is what it is and though you can sense bitterness on my end, I am glad that they have money for good care.

The alternative is to do what many of you are doing: moving or considering moving parents into your home to provide the care that they need.

Even if my parents were speaking to me, I do not know that I could do it. My parents were/are severely critical of me and abusive physically and emotionally until the day I moved out on my 18th birthday. Coming out as a lesbian put the icing on that cake for me.

This brings me to myself. I fear for my own aging and health. I love my girlfriend dearly but she is lacking in the empathy gene and does not suffer illness or weakness very well.

I had health problems by the time I could afford to purchase long-term care insurance and a private disability plan. Ergo, I will not have that as my parents do.

My recent illness, including spending 5 weeks in the hospital, almost 3 weeks of 3 times per day IV antibiotics through a PICC line from home health RN's (I refused 3 weeks of a SNF for fear of greater expense and catching some other infection) brought all of it into sharp focus for me.

According to AARP: The aging population is growing, and so is the number of lesbian, gay, bisexual and transgender (LGBT) adults who are moving into their later years. In the next several decades, LGBT adults age 65 and above is expected to double, reaching more than 3 million by 2030.

We face lack of family support, lack of resources, lack of money, fear of hostility by caregivers due to being LGBTQ, among other issues.

I guess I am sharing this because many of you are in your 20's, 30's, 40's. I encourage you to do what you can to plan for your later years. It is not just our families that we have to consider but ourselves. We get sick and we will need caregivers.

When I was younger, aging seemed so far away and my whole focus was on my then-partner and raising two daughters to adulthood.

It is not far away at all now.

Kelt 05-28-2016 11:37 AM

Quote:

Originally Posted by DapperButch (Post 1068306)
Chad, Kelt lives far from his mom and he has been able to manage it. I am sure he will come in and give you some ideas.

My role in order to "take care" of mom is to NOT move. Like, I no longer see myself as having that choice since we live near each other. My sister is on the other side of the country. Don't feel bad for me though, I like where I live. But, there are also a couple of other places I have fantasized moving to. Also, my sister will be very involved with getting/keeping things set up for mom. I won't be alone in it, even if I lead it.

I don't expect that my mother will ever live with me though. She has a large long term care insurance plan which gives the option for people to come to her house instead of her moving into a facility. She can use her monthly allotted amount however she would like. We hope that unless she has cognitive difficulties that she would be able to stay there until the end.

All of you guys are amazing for what you do for your parents. My hat is off to you. Hang in there.

I'll step in with a couple of thoughts and if there is interest some of us can talk about it in depth. Since this has been my whole life for the last year and a half I could go on forever...

First, Chad, your mothers social support network is invaluable, if she has one now you might think about being the one to move. If she loses it and can't form a new network in a new place you become that too and it can seriously affect her health and your availability of time for anything else.

Second, there are two ways to do this, bluntly it's about money. This is expensive no matter how you do it and you will pay with either cash/insurance or time spent doing things yourself and finding resources through other services/agencies. Each way has its own advantages/disadvantages, my mother has money so I can hire a lot out BUT...

Dapper, are you listening? There are tons of services available to the elderly if they low income qualify. If they have assets, all of that just evaporates. :blink:

I didn't want to move my mother out of her house right away but weirdly it boiled down to transportation. She needed to be taken places because the week my father died their car did too, not repairable and mom wasn't too good behind the wheel anyway. Their town had plenty of options, the big elderly transport for hire system (oops, you can't use it unless a specific diagnosis or are resident in a "community") or the non-profit version of the same for anybody; except she lived one block over the county line. Many small independent outfits to drive folks to their medical appointments - all income qualified - no go if you have resources (and what about things like getting groceries or a haircut?) Taxi? No company large enough to trust and unreliable at best in her location.

The only way I can see doing this from a distance, and I am very fortunate in this, is to not have to work. I do have to drop everything and go, with very little notice, for undetermined periods of time, on a regular basis. Maybe self employed - non-location dependent. It's all about finding good comprehensive systems and then tying them together. My mother lives in a very nice community in an independent apartment with a private car and driver, cook, houskeeping, etc. I have an additional system on top of the one there for private medical help, which as I posted, came into play yesterday, again...

There are several people on this site with a variety of situations going through this right now. Chad, ASK. If you haven't done this or been around it before the learning curve is steep. Voice some of your concerns and folks with matching circumstances may step in or folks like me can give some best guess or anecdotical ideas.

DapperButch 05-28-2016 12:53 PM

Quote:

Originally Posted by *Anya* (Post 1068312)
You touched on something important Dapper.

Money.

If our parents or ourselves were/are able to save/invest/have long-term care insurance; it is much, much easier to ensure needed care, than if we do not.

My parents are very well-off. They both had great jobs and my father invested and saved.

Quote:

Originally Posted by Kelt (Post 1068318)

Dapper, are you listening? There are tons of services available to the elderly if they low income qualify. If they have assets, all of that just evaporates. :blink:

Yes, Sir, I am! Why do you think mumsie has long term care insurance!

The first order of business for me after Dad died was to find mom a good financial advisor. He said that my mother was in that sweet spot place financially where based on her age (and other health data), she should have enough money to live through the rest of her life, including assisted living needs. The other option was long term care insurance. I voted for long term health care insurance, my sister agreed, and mom rolled with it. I do believe I did due diligence in choosing the policy and had enough information to be convinced it wouldn't "go away" or something when she finally needed to access it. It is also very low criteria of medical assistance needed, in order to get it activated.

She put down a HUGE amount of money to buy it in one block. At that time, doing monthly payments meant that if you didn't use it (i.e. died before you needed to access it), your heirs lose it. With buying the the policy outright, and if it wasn't used, your heirs got more than half back. I heard that this changed at some point since we bought mom's policy; heirs will get some money back even if owners of the policies paid monthly for it.

Anyway, the data shows that people die on average between 2-3 years after moving into assisted living. The policy that my mother bought will cover her for 6 years for an assisted living apartment costing slightly more than twice the amount of the average cost of an assisted living facility per month around here. I believe the data indicated that services in her home - even 24 hour coverage- would last about that long, too. I dunno. Then, of course, if she needs more, she still (hopefully) will ahve enough money to cover her until the end. She only spends what she makes per year, pretty much. I DO think it will be ok. Otherwise, I think that my rich sister should cover her costs! lol

Did you look into/encourage your mother to buy long term care insurance after your father's death (I think I asked you once if they had any and you said no?). If not, why not?

I have heard that the price for long term care has gone of astronomically since my mother bought her policy 6 years ago. It had already gone up a great deal at the time she purchased; supposedly when these type of policies came out insurance companies set the cost of those policies too low and were scrambling to get on top of it.

I didn't know really anything about long term care before I looked into it, but having worked with the severely mentally ill in the past, I knew a lot about medical care, including the fact that they had to have NOTHING in order to get into long term care facilities. That is what started my hunt.

Do you recommend parents selling their houses to their kids early on so that this asset could not be touched? I am just thinking about how it is problematic if a person sells/gives money to their heirs less than 5 years before prior to their "spin down". At that was my understanding 10 years ago. Or something like that.

Kelt 05-28-2016 03:21 PM

Quote:

Originally Posted by DapperButch (Post 1068326)
Yes, Sir, I am! Why do you think mumsie has long term care insurance!

The first order of business for me after Dad died was to find mom a good financial advisor. He said that my mother was in that sweet spot place financially where based on her age (and other health data), she should have enough money to live through the rest of her life, including assisted living needs. The other option was long term care insurance. I voted for long term health care insurance, my sister agreed, and mom rolled with it. I do believe I did due diligence in choosing the policy and had enough information to be convinced it wouldn't "go away" or something when she finally needed to access it. It is also very low criteria of medical assistance needed, in order to get it activated.

She put down a HUGE amount of money to buy it in one block. At that time, doing monthly payments meant that if you didn't use it (i.e. died before you needed to access it), your heirs lose it. With buying the the policy outright, and if it wasn't used, your heirs got more than half back. I heard that this changed at some point since we bought mom's policy; heirs will get some money back even if owners of the policies paid monthly for it.

Anyway, the data shows that people die on average between 2-3 years after moving into assisted living. The policy that my mother bought will cover her for 6 years for an assisted living apartment costing slightly more than twice the amount of the average cost of an assisted living facility per month around here. I believe the data indicated that services in her home - even 24 hour coverage- would last about that long, too. I dunno. Then, of course, if she needs more, she still (hopefully) will ahve enough money to cover her until the end. She only spends what she makes per year, pretty much. I DO think it will be ok. Otherwise, I think that my rich sister should cover her costs! lol

Did you look into/encourage your mother to buy long term care insurance after your father's death (I think I asked you once if they had any and you said no?). If not, why not?

I have heard that the price for long term care has gone of astronomically since my mother bought her policy 6 years ago. It had already gone up a great deal at the time she purchased; supposedly when these type of policies came out insurance companies set the cost of those policies too low and were scrambling to get on top of it.

I didn't know really anything about long term care before I looked into it, but having worked with the severely mentally ill in the past, I knew a lot about medical care, including the fact that they had to have NOTHING in order to get into long term care facilities. That is what started my hunt.

Do you recommend parents selling their houses to their kids early on so that this asset could not be touched? I am just thinking about how it is problematic if a person sells/gives money to their heirs less than 5 years before prior to their "spin down". At that was my understanding 10 years ago. Or something like that.

Lol, of course you've got it handled financially, I wasn't questioning that. I just want to make sure you're ready for the sudden course changes that can happen. My mom is very well off, I figured I could just staff her up at home with lawn guy, housekeeper, cook etc. Who knew a damn head gasket on the Buick could start a cascade of events that would lead to me moving her thirty days later??! It has actually turned out very well and she thanks me at least weekly for getting her into a place where she can make friends and feel safe. (Those little pull cords make her feel much better, and me too)

I'm really glad you got your mom one of the policies that pays a set amount to be used at will rather than just covering specific events, it should save you a ton of headaches. The 6 years should be plenty, just don't start it until you need to.

My mother doesn't have long term insurance per se, we just pay as we go. A number of years ago my father hit a point where he considered them to be self insured and he was right. She has SS+pension+2 large untouched annuities and a trust fund so we're good to go so that she can have the best of whatever she wants. I just manage the managers at this point (that sounds so easy now after a year of tearing my hair out to set it all up). It used to be that folks with assets would set it up so that the kids could be "evil" and strip them of assets through legal maneuvering and then just show up with "gifts". This was how my folks were set up for years but the IRS wised up about 15-20 years ago, the 5 year look back is now carefully scrutinized as I understand it.

On the house, I would ask an Estate attorney. She could gift it now but of course any amount over $14k would have gift tax applied, if there are any trusts involved it could be held inside of that to be protected from liability and just regarded as part of her portfolio. Unless the title changes names prior to her death there will be possible estate taxes involved if she leaves over X amount. Over my pay grade, you should look into it. The annual "tax free gift" of $14k per year is a great tool for folks it could apply to. My best bud's mother has been in a facility for years and is about to run out of money and get switched to Medicaid. His sister has been doing this for years; have their mother "gift" the money which was set aside in an account for if she should run out in the sisters name. You do have to have faith in the account holder to not just hijack the money though. Now when they need it they can use it for the extras not otherwise covered. I think this might be a way around the look back as well, check with someone qualified.

Right now I am mid-estate plan for myself and it looks like I will put my house into a trust, it makes life much easier for whoever gets it. When I knew I would have to sell my folks house I just cleaned out the possessions and handed the keys to the trust officer. They are required by law to get fair market value and do all the messing about with RE agents and such. I was so overwhelmed at that point I would have sold it for $10 just to be done with it, so the trust set up really helped.

On a side note: I posted some time ago an article about the cost involved in "the last five years" of the three primary ways people go, cancer, heart or dementia/AZ and the ranges given were $200-$300k for the five years. As I look at my mothers actual expenses now with fairly low needs I think those numbers are wrong, it must discount housing or something because she's about $50k per year after taxes now ($250k for 5yr) and it will only go up from there. The place where I have her is within a couple hundred bucks a month of the other places so it isn't much out of line with "average" independent living + six hours a week of personal care. By contrast, when my father was dying that last month when he was under hospice the SNF charged $10k for the one month room and board and that didn't include supplies or medical. I guess that's just to say the numbers used by planners might not pass the reality test.

******************************************

I know some of this doesn't look like what most would consider "caregiver stress" since it isn't the daily feeding, clothing, driving around part of it. I've done a share of that too, spoonfeeding my father who hated me and brushing his teeth when staff didn't show at the SNF, setting up my mother who didn't call me for 26 years because she was too timid to cross my father etc.. I think stress comes in different forms and everyone gets a unique set of challenges. I talk about having to do this all myself, but on the other hand I don't have to work around siblings that might have different ideas or other relatives trying to micromanage.

I really hope other folks will come by and give their take on what they are dealing with. Anyone who cares about anyone else be it partner, parent, or child is exactly one nasty accident or disease away from suddenly becoming a "caregiver" in some capacity.

Kelt 06-02-2016 02:26 PM

Quote:

Originally Posted by Kelt (Post 1068252)
Today she thought it looked worse so her RN went to check it himself. Yep, it looks worse, he sent me the pic, we/he decided that with a three day weekend coming up it wouldn't be a good idea to wait for her regular Dr. He took her to ER where they did some bloodwork, x-ray, and general head scratching. Something isn't right but nobody knows what, another heavier round of antibiotics for now. Next week back to surgeon for an exam, maybe a tissue sample or something if no change...

Welp, mom got lots better with the second antibiotics and now this "thing" has taken up a new residence a bit lower. Her nurse took her to the surgeon for the follow up appt scheduled before and he did a core tissue sample on the spot. Now we're back in the wait for pathology bucket again. Nail bitin' time for another week.

It's the waiting that drives ya nuts...

easygoingfemme 06-02-2016 03:05 PM

I need to have this conversation with my parents. They are in their mid 70s and doing great, but anything can happen. We talked about it a bit about 5 years ago when we were tag teaming taking care of my grandmother through her end of life and made some light plans, but everything was so heavy and emotional at that time I'm not sure where they stand now. I am glad, for many reasons, that I had an active role caring for my grandmother during her decline. Stage IV breast cancer, alzheimers, sundowners syndrome. She kept us busy. One thing I learned was that I'm not going to be able to count on my brother to provide any actual help. Gratitude to you all who are spelling out the thoughts and options to be looking at for long term care and security.

easygoingfemme 06-02-2016 05:08 PM

Kelt, hoping you get results from the tissue sample very quickly and that the results are not worrisome...

Kelt 06-09-2016 10:37 AM

Quote:

Originally Posted by easygoingfemme (Post 1069152)
Kelt, hoping you get results from the tissue sample very quickly and that the results are not worrisome...

It's good news, the cancer has not returned. The infection is a weird one and quite large, but we are treating it aggressively with antibiotics (which I hate but are sometimes what you have to do..), topical steroids, and probiotics that will continue for three weeks after the antibiotics so that we can help her system rebuild when this is hopefully past. Thank you for keeping in touch on this . :)

Quote:

Originally Posted by Kelt (Post 1068349)

On a side note: I posted some time ago an article about the cost involved in "the last five years" of the three primary ways people go, cancer, heart or dementia/AZ and the ranges given were $200-$300k for the five years. As I look at my mothers actual expenses now with fairly low needs I think those numbers are wrong, it must discount housing or something because she's about $50k per year after taxes now ($250k for 5yr) and it will only go up from there. The place where I have her is within a couple hundred bucks a month of the other places so it isn't much out of line with "average" independent living + six hours a week of personal care. By contrast, when my father was dying that last month when he was under hospice the SNF charged $10k for the one month room and board and that didn't include supplies or medical. I guess that's just to say the numbers used by planners might not pass the reality test.

I wanted to come back in on this since I came across something new to me and I learn everyday how much all of this costs.

I was looking at a "Long term healthcare cost calculator" on the Lincoln Financial site since mom has an annuity there and I am sort of looking at whether or not I should do a long term policy or annuity for myself. It was interesting that instead of using the $200-$300k figures for 5 years used by financial planners, their tool uses $91,250k per year with anticipated inflation of 2.9% per year. That is just the default starting point, the calculator has sliders to change the basic variables to test different scenarios. I'm sure other companies have similar tools. Granted this is a type of company that sells large and complicated insurance products it would be in their interest to use higher numbers to sell bigger plans.

However, it seems like maybe they are closer to the truth, and maybe under still, to what I'm seeing with my friends and myself dealing with this.

Food for thought...

Kelt 06-13-2016 01:51 PM

Pretty sure mom has "Sundowners" I'm learning about it. :(

She had her second middle-of-the-night stroll last night after being the only one who heard a fire alarm, same as last time. At least this time she grabbed her purse and didn't get locked out.

She also cancelled her driver to the dentist today because her primary nurse called her this morning to say he would take her. He's in El Salvador this week. :thinking:

I spoke with her back-up nurse who has lots of dementia experience and told her I thought mom was having "auditory hallucinations" and a couple of other things. She said she thought it was this sundowners condition. In reading through some of the symptoms, I'm glad she's only having the more benign ones for now.

easygoingfemme 06-13-2016 02:03 PM

Quote:

Originally Posted by Kelt (Post 1070697)
Pretty sure mom has "Sundowners" I'm learning about it. :(

She had her second middle-of-the-night stroll last night after being the only one who heard a fire alarm, same as last time. At least this time she grabbed her purse and didn't get locked out.

She also cancelled her driver to the dentist today because her primary nurse called her this morning to say he would take her. He's in El Salvador this week. :thinking:

I spoke with her back-up nurse who has lots of dementia experience and told her I thought mom was having "auditory hallucinations" and a couple of other things. She said she thought it was this sundowners condition. In reading through some of the symptoms, I'm glad she's only having the more benign ones for now.

My grandmother had sundowners syndrome and it was really rough as time went on. She "ran away" a lot at night and imagined a lot of horrible things were happening in her house and out in the world. Once she was in assisted living she had a security alarm on her wrist to alert staff if she tried to break out at night. I do know that, when it was first developing, we found she improved when she started getting injections of vitamin B12. The summer months also help as it really is impacted by darkness. Winters get rough with sundowners. I'm sorry this is being added to her care needs.

Martina 06-13-2016 03:20 PM

My mom has 24/7 HHA's and long-term insurance which covers about a fifth of the cost. The rest comes from savings. I have lung issues and arthritis. I cook and do the finances and arrange everything, take her to treatment, and so on. It really takes two to take care of her, and as I am an only child, the second person is someone we have to pay. If she goes into a facility, long term insurance will pay more, and with her income, I imagine she would be fine. It's not likely though. If she goes downhill (god forbid), it probably won't be long because she has a kind of cancer that when it grows, it grows fast. It's glioblastoma. What Beau Biden had.

She just got out of the hospital. Stroke, they think, but they are not sure. At least it wasn't tumor growth.

MsTinkerbelly 06-14-2016 09:29 AM

For the years we cared for my mother it was the worst stress I can ever remember going through, and I had help!

My spouse stepped up and changed her life to work from home...she was there doing all the bathing and wiping during the day while I went out to work, and I had the nights including all trips to dialysis. I had to take a lot of time off work to take her to doctor appointments, but fortunately in California my employer had to let me!

While we had a lot to handle, I really felt blessed to have had that time with mom. I will always be grateful that I had such a wonderful love to help get us through it.

My thoughts go out to all of you struggling to find ways to care for your loved ones. (f)

Martina 06-16-2016 09:21 PM

I am so so sick of unsolicited advice especially from "friends" of my mom's who have not offered or given any help. (Silent scream)

flapdoodle 06-17-2016 06:35 AM

9 years ago, I uprooted my life, rented out my house to move back to NY to care for my Mother.
This lasted years.
I had lost so much weight from stress, I was weak, tired, exhausted in every way.
I was moms legs ..eyes, everything. After a broken hip and other walking issues, Mom was recliner bound, unable to even get up & get into bed, but, sharp as a tack. My heart hurt watching my Mother suffer in a body that was no longer hers.

My wife and I lost our moms 4 months apart. I can wake up every day knowing I did my very best. I deal constantly with the "if I was this ..or had I done that would mom still be here", I learned I had done all I could and no matter what more i did or didn't do, the guilt of not being enough would always loom.

She became my best friend, confidant, buddy, full time job, and my child, while always being my Mom. She died in my arms, while I was wetting her lips, she smiled and drifted off knowing she was safe.

She once called me her life line.
I wish she would call me right now.

You are all amazing for what you are doing. It's the most important job you will ever have.

Kelt 06-26-2016 12:32 PM

I'm working through the documents to set up an alternative power of attorney and guardianship for my mother should something happen to me before she dies. So far I have an incredibly detailed an comprehensive medical dpoa done, good enough I've decided to use it myself as well replacing what I currently have. Don't even start me on the financials, I hope those will be ready in a week or so. This should have been done a year ago, I had to switch attorneys to get the ball rolling, I hope there isn't too much fallout because I still need the original one for some other things. I just can't leave her unprotected this long.

Since there is no family, I have to use a stranger, a geriatric care manager. I've never made such difficult decisions in my life. Trying to imagine every scenario, predict every possible hiccup, and put in place bulletproof provisions for each. It can't be done of course due to the ever present "unknown-unknown".

This is unlikely to be needed as I plan on staying alive, but this would also go into effect if I hit predetermined levels of incapacity due to disability I cannot predict.

At the same time it is getting ever more real in my own mind that I have to do this for myself as well.

There is a lot of very unpleasant thinking that has to go into all of this. :thinking:

TruTexan 08-02-2016 11:42 PM

I have decided it's time to leave here. I've decided it's time for me to get MY life back. It's time for me to move on from being mom's caretaker. I love my mom, but my life is changing around me, I"m involved with a beautiful woman, and it's time I spent MY life, living it. I've decided I'm moving in with my gf.
I know it's going to be a rocky road for me to talk to my family about it, and younger sister will use manipulation and guilt trips to try to get me to stay. I can't let them put me on a guilt trip. I've done my part and it's time I lived MY life as I need to live it. I will only be at most 5 hours away, it's not like I"m 3 states away. Mom's brothers can watch over her or she can move to Tenneessee to live with my younger sister. I've done all I can and I'm burnt out and need my life back. I love mom, but it's long over due.

Martina 08-16-2016 10:11 PM

Today the oncologist used the word "dying" for the first time, referring to my mother who has brain cancer. I just can't accept it. There can't be a world without my mother in it. There is no world that I accept without my mother in it.

dykeumentary 08-28-2016 08:27 PM

For the last 10 years my life has been spiraling closer to Mom's and to being her caregiver. This summer that's all I did. Last week she broke her hip. So combined with her advanced Parkinson's, the nursing home seems to be the best option.
I'm devastated. Could I do more? Could I have prevented this? Am I letting her down if she goes to a nursing home?

Zimmeh 08-29-2016 06:11 AM

After taking care of my dad for the last ten years of his life and seeing how he was treated in a nursing home; I decided to become a certified nursing assistant and eventually a registered nurse. I will treat all of my residents with the respect and dignity they deserve. On Friday, I started working on the floor of the nursing home and started talking to an elderly woman named Betty. Her and I both agree, that the Wizard Of Oz is one of the best movies. Watching her smile at the thought of remembering watching this movie, melted my heart.

Zimmeh

MsTinkerbelly 08-29-2016 09:12 AM

Quote:

Originally Posted by dykeumentary (Post 1086907)
For the last 10 years my life has been spiraling closer to Mom's and to being her caregiver. This summer that's all I did. Last week she broke her hip. So combined with her advanced Parkinson's, the nursing home seems to be the best option.
I'm devastated. Could I do more? Could I have prevented this? Am I letting her down if she goes to a nursing home?

What a difficult decision you face...

I always told myself that my Mom would never be placed in a nursing home, and I was lucky we never got to that point. Well actually that is not 100% accurate...she went to a nursing home for rehab and care when she broke her hip. I ran several care homes/skilled nursing facilities, and they are mostly wonderful places.

Sometimes the decision boils down to where would she receive the best care?

Can you do it at home? Are you healthy enough, because it takes everything out of you. Do you have support? Is home the best place for her, or does it feel like you HAVE to in order to be a good child?

I hope you have help in making your choices, but it can be a struggle if you have siblings who are not on the same page, and can't/won't help.

Hang in there and do the best you can; she is lucky to have someone who cares in her life.(f)

Tommi 11-25-2016 08:08 PM

I'm thankful
 
Hope everyone is well, and able to give thanks for the life you have today, and hope for a sunny tomorrow, and give thanks some more.

TIMBERWOLF 11-26-2016 09:49 AM

Its a hard thing and sad to watch your parents go down hill and the best we can do is make sure they transfer to the afterlife the Great Spirit has been prepping them for. I took both of my parents to a safe and loving relief of this land.
Now My older sister who wouldn't listen to me when I told her not to go on Home Hemo due to her having uncontrolled blood sugars,BP and fluid gains and 3 heart attacks has passed on this last Monday. I have been on dialysis for 3 yrs and when I was on peritoneal dialysis I had to have emergency surgery and almost died for infection. I told her then do not go on home dialysis stay in center. My sister was the type that wouldn't listen to anyone but scam guys.
May she rest in peace or finally find peace.

Tommi 11-26-2016 01:39 PM

Quote:

Originally Posted by TIMBERWOLF (Post 1110941)
Its a hard thing and sad to watch your parents go down hill and the best we can do is make sure they transfer to the afterlife the Great Spirit has been prepping them for. I took both of my parents to a safe and loving relief of this land.
Now My older sister who wouldn't listen to me when I told her not to go on Home Hemo due to her having uncontrolled blood sugars,BP and fluid gains and 3 heart attacks has passed on this last Monday. I have been on dialysis for 3 yrs and when I was on peritoneal dialysis I had to have emergency surgery and almost died for infection. I told her then do not go on home dialysis stay in center. My sister was the type that wouldn't listen to anyone but scam guys.
May she rest in peace or finally find peace.

Sorry for you loss. Many with Disease and illness visit here, , send love and hope, and giving thanks this week. Knowing diabetes, and kidney failure, like you do, and having the support of love at home has made a difference in your longevity I bet. Besides, with your spouses medical background, she knows when and what to do.
She has been a caregiver her whole life, plus raising a child with difficult needs by herself,

So well wishes to you, Spirit Dancer and your daughter

TruTexan 11-26-2016 04:12 PM

Well my new life move was a huge mistake. I'm now back and living with my mom. I dont have the means right now to get my own place. Its going to be a very long time begore I can. Please pray mom and I get along well enough until I can move out after paying off my debts.

Zimmeh 11-26-2016 05:59 PM

I work in the rehab unit at a nursing home. It's a good feeling to watch your residents become well enough to go home. Some of our residents never leave. I make their stay a very happy one. The residents call me and my coworker the crazy aids. I hope you make the best decision, because my mom and stepdad put his grandma in the nursing home where I work. She received the best care and love until her death this past Monday.

My thoughts are with you,


Zimmeh

Quote:

Originally Posted by dykeumentary (Post 1086907)
For the last 10 years my life has been spiraling closer to Mom's and to being her caregiver. This summer that's all I did. Last week she broke her hip. So combined with her advanced Parkinson's, the nursing home seems to be the best option.
I'm devastated. Could I do more? Could I have prevented this? Am I letting her down if she goes to a nursing home?


dykeumentary 11-28-2016 10:48 PM

Zimmeh, I'm sorry for your loss. Also thank you for your kind words of support.

Kobi 11-29-2016 06:51 AM


My Mom is 87. She was well enough to live alone in her own home until a month ago when she fell and hurt her leg.

She has been in rehab and was doing well but it became clear she could not live alone anymore. Her memory deficits became more noticeable out of her own environment. And physically her mobility is limited due to her pre-existing medical problems and now the leg.

Her personality makes it more complicated. She is either crying hysterically or verbally lashing out at everyone who is trying to help her or completely normal and calm. You never know which will greet you when you call or visit.

Sometimes she understands assisted living is needed. Other times she does not.

There are 3 of us kids. I have been in and out of the hospital since August and am facing anther surgery by Xmas. My sibling who took over Mom's care had a heart attack 2 weeks ago and the stress of dealing with her on this matter is affecting him noticeably. He has to leave when she starts with her crying or anger because it upsets him so.

My other bro and wife have had to take over the planning and the physical stuff us other 2 cannot do. Funny how they kept their distance for the last 10 years even tho they live next door to Mom, and helped only when asked and the help came with attitude. Now, they are more than happy to help out now as needed without any attitude. Irks me to no end.

Yesterday, she was evaluated by the assisted living they chose. We are awaiting word on her acceptance. It sounds like a very nice place and is lovely. But, Mom isnt a sociable kind of person. She prefers only to be with family. There are only a handful of us left and we are scattered thru New England.

Mom is stressed to the max. We are stressed to the max. I wish I knew what to do to make the transition easier for her and for us.

Zimmeh 11-29-2016 09:56 AM

Kobi,

I would go visit this place. When a new resident comes to my unit, we make them feel at home. If they cry frequently, I go up to them and hug them. This is a scary time for them. We had one lady, who would punch us and by the time she was sent home, would give us a hug. Just give your mom time to adjust to being in the rehab home and put up pictures of you and your siblings.


Zimmeh

Tommi 11-30-2016 09:00 PM

Hope
 
Quote:

Originally Posted by Kobi (Post 1111802)

My Mom is 87. She was well enough to live alone in her own home until a month ago when she fell and hurt her leg.
------
Mom is stressed to the max. We are stressed to the max. I wish I knew what to do to make the transition easier for her and for us.

Quote:

Originally Posted by dykeumentary (Post 1086907)
For the last 10 years my life has been spiraling closer to Mom's and to being her caregiver. This summer that's all I did. Last week she broke her hip. So combined with her advanced Parkinson's, the nursing home seems to be the best option.
I'm devastated. Could I do more? Could I have prevented this? Am I letting her down if she goes to a nursing home?

Kobi and dykeumentary,

It is a tough transition, and one we never want to face. Dykeumentary, imagine this is so hard to watch, and not be able to stop the progression of what will be best for them.

Kobi, Just wanted to let you know, I have seen folks just like your Mom thrive from a safe transition. Even though a loner, she may find that the companionship, safety and once familiar with the folks will bring her a new lease on life.

Take her things she is fond of. Framed Favorite photo's for her wall, and even a bedside lamp, or other items they may permit will help.

Hoping for the best for you and yours. (f)

Kobi 12-02-2016 03:45 PM

Road Scholar Grants for caregivers
 
The not-for-profit educational travel organization Road Scholar offers $1,300 grants for caregivers to help eliminate cost as a barrier to participating in a learning adventure. Available in 50 states, the programs provide a warm, inclusive community that all Road Scholars enjoy.

Who Is Eligible For A Family Caregiver Grant?

You’re an eligible caregiver if…

Your loved one is receiving Home Care, Hospice, visiting nurse, LPN services, or comparable or related services.
Your loved one is in Hospice, Adult Day Care, Memory-care, Nursing Home or comparable or related facility.
You lost a loved one within the past two years who was in any of the above situations.
You live in the United States and are 50 years of age or older.


How Much is The Award?

The Caregiver Grant is an award of up to $1,300 applied to the cost of a Road Scholar program. Road Scholar only asks that you pay a $100 deposit, to ensure your spot in the program.


Can I Use The Grant for Any Road Scholar Program?

The grants are only available for our programs in the United States that cost no more than $1,400.


What’s Included in Road Scholar Programs?

We take care of everything. Lodging, meals, field trips, transportation during your program and much more — it’s all included.


Can I Go by Myself?

Yes! Solo travelers love our learning adventures for the warm and welcoming camaraderie.

The Caregiver Grant is applied to the cost of your program only. It does not cover the cost of transportation to and from your program.

These grants will be available until they are all awarded.

website

Chad 12-04-2016 07:17 PM

Caregivers
 
My mom had a knee replacement last Tuesday. The hospital sent her to a "rehabilitation center" on Thursday.

Well last night I got the call that mom was crying and the "rehab center" was neglecting her.

I went into full on bull mode (not pretty). I called mom's doctor on her cell phone and told her that I was coming up there today and taking mom back to the hospital. Well the "rehab center" was really a nursing home and it was gross. I took mom back to the hospital but after 5 hours in the ER they would not admit her. So I brought her home to my house.

Tomorrow we will begin again with a doctors appointment and try to get her into a real rehab center.

Sometimes the health care system can be a challenge.

I have to take off work but hey she is my mom.

pumpndude 12-04-2016 09:20 PM

Hi, I'm a caregiver for my mom who is 94yr old now and my sisters legal guardian. She has slowed down a lot more and her memory is starting to affect her and I have my sister who was born slow...She used to help me more but she had surgery in 2014 and right now she needs to walk more and start lifting weights to get her arms stronger. She doesn't walk as much as she could, so she's a work in progress..

Yes I get somewhat stressed but I'm grateful that I can be there for my family... I have been in recovery for 20 yrs now....I am grateful that I found recovery and I have a place to vent, at meetings (AA/NA), and meet people that are care givers too....
I manage all accounts , bills , etc. , I don't have more time for home repairs or work on property. I'm on disability but I think that's helpful because I can be home more.

I have work to do on my property too but one job at a time....I'm going to finally go and talk to a worker and see what kind of support I can get....I'll sign my mom and sis up for meals on wheels and see if I can get help cleaning the house....whatever help I can get will be very helpful

I would love to have support from a spouse but that's not the case...
Some day I will find the right lady as a partner and best friend or she will find me.....

Anyway that's my story ....

To all here, I just take it one day at a time and take timeout for myself....


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