What to do when your parent does not meet ADL requirements, cannot afford assisted living, and is not safe living alone?

Sadly, your father’s condition will worsen and he most likely will need increasing amounts of help including with bathing and bathroom needs. It’s rare to reach his age and maintain all those skills, not his fault. When a person can’t live on their own and care for their needs, it’s on them to figure out what to do next, or if not competent, it’s on their POA. It’s not on you to change your life and move to accommodate him. Looks like his choices are limited by location and income, and a nursing home with Medicaid paying for it may be what’s coming. I’m sorry you’re faced with this, but please don’t move and put yourself in a position you already know isn’t good

Yes, you have it right. The cost of living, and even caring for people who will live to almost 100 years of age will not be supported well or easily in a system that now has most of the money in the hands of the 1%; and those earning low wages will not be able to save for their own care. This will get worse, not better.
You say "we own his home". Hopefully you bought it for fair market value, but if he still had a loan on that home, the profits from it will last only a very short time.
Medicaid WILL pay for his care in a nursing home. But you may not be well satisfied with that nursing home and it certainly will not be on a par with a good ASL place.
So here you are. The choices are as you say. A nursing home and medicaid. Or move in with you and be cared for by you. Your parent is 95 so that would last at most 5 years in normal circumstances. Some are looking at this with parents in their early 70s so they are looking at two decades of caregiving. There are no other choices now, at this point, when it has come to this. And given that in our nation some are paying Federal Student Loans they were lured into when they are on Social Security, I can't see things getting better.
I suspect your family may not want to give up their own lives in the care of an elder. So you are down to Medicaid and the kind of care it pays for in a Nursing home. This varies widely across our country.
And I am left with the helpless words we who answer anything on Forum are often left with. I wish you the best of luck. I caution you against using your own money, as you are going to need every single penny you can save for your own time in this position.
I am so sorry. But you got it all, and you got it right. And like so many things, there is no "fix-it" and there is no answer.
I caution you against "moving in there" as well. Often the people we see do this, sacrificing years of their lives in care, end up homeless, jobless, without job history and penniless as well as ending mentally unstable from attempting 24/7 care. You can read their stories all over the Forum.

First, are you his durable PoA? If not and he is of sound mind, this needs to get in place right away. This can be done by downloading the forms for his state off Legalzoom.com or Rocketlawyer.com. You will need 1 copy for him, 1 for each PoA so that everyone has a notarized original. You may need to have witnesses when notarized. Banks and hospitals have notarys. So do UPS Stores. Or you may need to find a mobile notary in his area. Digital notary services are becoming a thing as well.

If you already have DPoA, great! If not and he refuses to take this step then you will need to enlighten him to the reality called Ward of the County or guardianship. Please do not move in with him. This gives the false impression that he is still "independent" and able. He is not. You may want to consult with a reputable faith-based facility near you (if you will be managing his affairs going forward). Faith-based facilities are more flexible and understanding. They may allow him in to LTC and therefore he may qualify for Medicaid. They did this for my MIL. In my state the look-back is 5 years. My advice is to resist moving in with him. If you need to call APS then so be it, it will get him placed sooner. Also, please go into his state's DMV and anonymously report him as a dangerous driver so that he doesn't hurt others (this happened in my own family -- my uncle went through a red light and it killed his own wife and dog and injured the other party). Remove his car physically if that's what it takes. I wish you much success and peace in your heart as you move through this transitional time with him.

The answer is a Nursing Home paid by Medicaid. You do not have to move in, in fact I would advise against it. You can contact APS, they will check on him and monitor his status, and when he is unable to be alone anymore, and meets SNF requirements, that's where he will go.

If you do not call APS they can claim neglect.

Right now it is self neglect but, as time passes and he needs more help than he is getting and you know this, that is when it becomes a situation for you and your siblings.

Call now so that he is on their radar and you have proof that you have been trying to help him with the situation. They also know about and can implement services that the public can not. They can also force issues that you can not. Call APS today. He is a vulnerable senior that needs help.

You dealt with Medicaid for your mom, what do you know about your dads finances that you are worried about? You can see a certified elder law attorney to get advice on fixing whatever you are concerned about or find that it is nothing to worry about.

Best of luck finding the best solution for your dad.

I don't believe that you should be moving in with him, into a house that is in "horrible shape, very neglected and ugly inside". He shouldn't be living in those conditions either. It sounds like he is probably ready to be put into a nursing home, since he can't afford an assisted living facility, and you know that Medicaid will help cover that. Sometimes the decisions we have to make aren't easy, but they should always be made with the best interest of the involved parties in mind. And in your case, the nursing home makes the most sense. That way you will know he is safe, and taken care of, instead of worrying about him out in the boonies, in a house that's falling down around him, with no cell service and no medic alert service either. It's really a no brainer.

JoLo, you basically have to let the State take over. DO NOT move in with him, it will make it harder to get him placed. If you are not able to provide care for him, you tell the social workers you are not able. You are under no obligation legally to take care of him. You likely will not be able to provide a safe environment anyway. The State social workers will find a facility for him if necessary.

Bottom line is you need to speak with an elder care attorney specializing in Medicaid. Depending on which state you live in, along with federal guidelines, will give the attorney and you options as to what can be done in your particular situation. You may have to go to court to get legal guardianship of your father in order to keep him in a skilled nursing facility if it comes down to that, even if you are his POA. You need to get your father's primary care doctor to testify that your father cannot be left alone and, possibly, have your father tested for a psychological evaluation if the court doesn't order one. These are all things you need to discuss with your elder law attorney. Yes, it costs a bit of money but, in the long run, you can't afford not to seek an attorney out. I went through a similar situation with my father who has since passed away. I know he was where he needed to be to get the best care possible. I had no alternative as I was also taking care of my elderly mother and my husband, who suffers from dementia, and also suffer from my own health issues. There just comes a time when we cannot do everything ourselves and, even if we have siblings, they may not or will not physically contribute. I am grateful for the help the elder law attorney has given me and continues to give me as my mother is currently in a skilled nursing facility and I am a full-time caregiver for my husband at home. Believe me, especially now with Covid, it is NOT nor has it been EASY. I am blessed to have good friends and family who do have some understanding of what I'm going through but no one really 'gets it' unless you've actually been there and done that. I'm also a faithful Christian and am praying daily, along with others, that I can get through each day and be of service to my husband. I speak with my 90 year old mother daily on the phone since I'm unable to physically see her since Covid restrictions in March of 2020. I wish you well in your journey with your father and hope that you can find answers that will be helpful.

Whatever you do, do NOT take this person into your home, nor should you move into his house. It is time he be placed into a nursing home where Medicaid does take over. Medicaid will NOT pay anything for assisted living and YOU should NOT under any circumstances be paying the bills. You might need that money for you one day. Get medical help wherever and however and get him into a nursing home. Call the Office on Aging and local authorities as to how to go about this and possibly talk with an eldercare attorney. You can't wait.

You should not have to move in with him if this is not what you want to do. Your first responsibility is to your husband, and you're entitled to your life. First be sure all of his paperwork is in order while he's still capable mentally (you may have already done this and may be his POA). If he has no assets, he doesn't need a will, but he should have POAs for financial and medical decisions, a living will that specifies his medical wishes if he becomes incapable of making decisions, and some banks and financial institutions have their own POA forms. Social Security also needs special permissions for you even talk to them about his affairs. If he doesn't have them, the forms should be simple and you might be able to do them without an attorney. Try to get in touch with networks and support services for seniors in his area so that you know the options. A social worker who deals with seniors would be able to advise you. This advice should be free. For this to work for both of you it sounds like he should be living closer to you. would he move to his own small apartment near you while he is still capable of doing everything? You need to have a heart-to-heart talk with him to find out what he will agree to and telling him what you are capable of doing for him. If he agrees to moving, he'll probably need a lot of help with the downsizing and moving. Be honest with him about how much you can do for him and how it is getting very difficult to get aides to help him. You want him to be safe and cared for. Hopefully you can find a good compromise. Good luck and a big hug!