I do everything for her ie: cook, clean, bathe her, run errands, take her to the dr.'s appointments, administer her medicines, shop etc. She has dementia, COPD (on Oxygen 24/7) and Macular Degeneration. I have siblings and I cannot talk to them
about anything. I want to be fair. I do not want to overcharge her. H-E-L-P!
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What I would do is check out what the average hourly wage is for paid caregivers. I know in my area (MN) Visiting Angels run about $25.00 an hour. We had a private paid caregiver a few hours a week for $18.00 an hour. Get this info in writing. Then do the math. Add up what it would cost your mom for 24/7 care for a month. You'll probably be astounded. I know I was. Work back from there to what you feel would be a reasonable amount including providing room and board.
If the siblings squawk and refuse to help out, I'd let them know that I was not working for free just to save them their inheritance. Show them the numbers and that they are actually getting a bargain.
As for tax implications, someone more informed than I am will chime in. And remember, raising a child is NOTHING like caring for an elderly parent who is ill and incapable of caring for themselves. We love our parents but it does not mean sacrificing our future and our finances.
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And keep in mind (as you certainly know from experience) that caring for an elder with dementia is not REMOTELY like raising an infant. That argument is nonsense.
Honor your father's intentions here.
As to what to charge, that is a little harder. You should see an Elder Law attorney to draw up a simple personal care contract to cover this situation. He or she can also advise you on how to deal with the tax implications of this arrangement, and may be able to suggest a range of reasonable rates in your market. Love your mother with all your heart; take care of the business details in a business-like manner.
If your mother could not afford this my attitude would be different. But if your parents put money aside to pay their own way in their old age, give them the dignity of doing that.
My 92 yo mother has been resisting our pleas, advice, and coaxing about it being time when she could no longer live alone. One of my sisters (Pam) recently retired and invited Mom to live with her and her husband. Nope. Mom does not need any help and she can take care of herself, thank you. (She has mild dementia and she cannot take care of herself.) Finally another sister took Mom aside and said, "Now that Pam is retired they are having a hard time making their mortage payment. Do you think you could possibly rent a room from them? It would help them out." (A total fabrication, by the way.) Mom signed the papers giving notice on her apartment then and there, and moved into her new rented rooms the next weekend! I think it is insulting to assume our parents want/expect/need a free ride, unless they truly cannot pay anything.
(Infants, of course, cannot pay anything. Most elders are not in that position, and can pay something even if it is not full market rate.)
Who has POA? Is she still managing her own finances?
I think that it would be a good idea to consult an elder law attorney who can spell out your mother's options. One of your options, of course, is to insist on being paid or to ask Mother to leave. Obviously you don't want to do that, but perhaps seeing what it would cost to live in a care center would open her eyes. Or perhaps not (she does have dementia after all). But it is your house, your rules, and your need some professional support. See a lawyer.
Wow - I can relate. My sister told my mom not to count on her for any help at all - and she has been correct. I thought my life was tough, but you have me beat. My dad is 96 and has dementia. Mom is 87 and is going fast. Had to put him in a nursing home - after they lost their home and I had to spend all of my 401K. THEN, the govt decided to help. Now Dad is receiving funds from the VA for Aid and Attendance and I was to use them to help cover some of my costs for my mom. I've just had two hip replacements, work full time and I'm suffering from fibro. I realize I should see a lawyer about this, but can't even get off work to do this stuff... I never realized I wouldn't have empty nest syndrome - I traded my youngest daughter for my parents! Our generation just wasn't prepared for this. I asked my dad a few years ago why they didn't try to save more money - he said he never dreamed he would live this long. It's so sad though - Mom worked so hard all of those years and the bank/nursing home took it all. Breaks my heart...
And estimate the value of your cleaning and meal services and charge her for that.
You made a mistake in giving her a free ride; she's taking advantage of you now.
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