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PNWDad Asked August 2023

What do you do when you don't have the financial resources to care for an aging parent?

So, after a year of searching we finally found an assisted living facility for my mother-in-law that she could afford. We moved her from California to Washington State at the end of June. There are several factors in play here: she suffers from paranoid delusions, there was mismanaged care when she was in California (she was in a residential care facility), an extended hospital stays upon arriving at her new assisted living facility in WA, and tonight was supposed to be her first night in her new home at the assisted living facility.


We got a phone call from the facility about an hour ago, apparently, she (my mother-in-law) says she was in pain, called 911, and was demanding to be taken to the ER. The EMT tonight says her vitals are fine and they can't find anything wrong with her. When she was in the hospital earlier, she complained of back pain, but they found no explanation for it.


She refused to take her meds tonight, says the assisted living facility is refusing to help her and wants to go to the ER, talk to a social worker and find somewhere else to live or come live with us. We told her we can't help her, we can't care for her, and that since we do not have power of attorney (she did not want to give any of her children that), we can't make any decisions on her behalf. She hung up on us.


We were in the process of applying her to Medicaid (she needed to be in WA before she could apply, and it would help cover what her own insurance doesn't) and we were beginning to make headway on getting her to give us medical power of attorney so we could at least help with some of these decisions. She needs physical therapy and that was going to start next week at the assisted living facility, she was going to have her first appointment with her new primary care physician next week ... now that is all up in the air because we're not even sure if she is going to go back to the assisted living facility (because she says she absolutely refuses to stay there a second longer).


We're beginning to think she needs a nursing home, but there's no money for that. We don't have the financial resources for that, and she doesn’t (part of the reason we were applying her to Medicaid was that it was going to help alleviate the cost of the assisted living facility). Part of the problem with the Medicaid is because we don't have POA, we can't help her enroll because we aren't able to verify her income or expenses, and she can't remember any of it.


What happens in a case like this? There is nothing else we can do because she is saying she is not going back to the assisted living facility and that was our touchstone for her care.


What does one do in a case like this?

BarbBrooklyn Aug 2023
I'm so sorry you are going through this.

Do NOT pick her up.

She stays at the hospital, talks to the Social Worker in the AM.

She is (technically) competent and can direct her own care.

YOUR HOME IS NOT ON OFFER. Make d@mn sure the SW understands that.

She might have a UTI, might be dehydrated.

Let the hospital admit her and figure out what's going on; might need a psych admission to get medications sorted out.

I'm curious, what was her extended stay in the Washington hospital for? Did she go to rehab after?

If she is medically in need of a NH, Medicaid will be her source of funding. Without POA, the NH she gets admitted to will need to manage the Medical application themselves. They will apply for guardianship.

The worse case scenario is that she gets declared incompetent and is made
a ward of the state.

That, unfortunately, is often what happens to stubborn elders who don't trust their kids to hold POA.

CTTN55 Aug 2023
One reads and follows what Barb has suggested.

Is your wife going to want to bring her to your home? If so, then you must remain strong and insist that the SW find somewhere for her. You and your wife are NOT responsible for her.

Do not listen to any promises of "help" if you bring her to your home temporarily. Once she's out of their facility, she is off their caseload. There will be no help for you. Do not fall for that ploy.

Keep us updated!

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MeDolly Aug 2023
You remove yourself from a front row seat, time to let the chips fall where they may.

Back off do not get involved, your mother-in-law has some serious mental health issues that you cannot solve by stepping in, time and time again.

If she refuses to go back to AL then she will have to figure something else out with a social worker, you have no power, no authority.

Whatever you do...do not bring her into your home to stay overnight even for a day.

To my knowledge Medicaid does not help with AL, although that may not be the case where you live.

Your MIL has not been deemed incompetent, and no one has a DPOA, so let her figure it out, she may determine that it is best to behave and stay where she is.

My mother refused to go into AL, she had a slight stroke, was afraid to stay alone at night, she kept calling the EMT's, well finally they started to charge her $600 per visit, that ended that. She now lives in AL near my brother and I.

My mother is 98, your MIL could live a very long time, don't lock yourself into something you have no control over, believe me continuing to deal with MIL's issues will have a very negative impact on your family life.

Sending support your way!
BurntCaregiver Aug 2023
I thought that too that Medicaid does not pay for AL. Evidently it does in some states.

You're spot on right about eveything else though, MeDolly.
In my state a care facility cannot do an unsafe discharge even if insurance is refusing to pay.
But, if someone takes that person out of the facility, even if it's just to drive them to a doctor's appointment the facility does not have to let them back in. They are assuming responsibility.

I worked for a few ambulance callers over the years. That nonsense always stops when they start getting charged.
Fawnby Aug 2023
You already have your answer. "There is nothing else we can do."

Unfortunately, that's the way it is. She doesn't get it yet, but maybe she will eventually. I mostly think she won't. She's already shot herself in the foot, and she intends to follow that path to the bloody end.

Very sorry, OP, you don't deserve this.

lkdrymom Aug 2023
Let the social workers at the hospital deal with this. Make it very clear to them that coming home with you is not an option. Do not fall for any false promises they will try and make. She is NOT to ever set foot in your home.

JoAnn29 Aug 2023
"WA Medicaid pays for services and supports to help frail seniors to continue living at home, an adult family home (adult foster care), or an assisted living facility.Jun 20, 2023"

Looks like Washington State pays for AL. You are so lucky because most states don't. In my State u have to pay privately for at least two years to apply for Medicaid help in an AL

By the way, I will be 74 next month, my DH is 76. Yes we have our aches and pains but we aren't elderly. MIL seems to have a mental problem that needs to be addressed. An AL assists, it is not equipped to care for someone who has mental problems. If she disrupts the residents, she will probably be asked to leave. I would allow her to go to the ER and be there when the doctor talks to her. I agree with MD, she could have a UTI. My MIL complained of back pain with hers. Because she had back problems the doctor thought nothing of it. Kidney infections produce back pains too.

Let her talk to a social worker. Keep making it clear to her and the Social worker that your home is not an option. Do not give in. I don't know ur MIL but I knew mine and she was passive aggressive. This is exactly what she would do to get her own way if she wanted to live with us. Tell her if she leaves the AL, she is on her own. That any help she needs should be thru a SW. Because, by not having POA, you can't help her. Again, 75 is not old. If she can manipulate a situation, she can figure things out for herself. Again, don't play into this. The SW may end up telling her the AL is her best option.

I would continue filing for Medicaid. It takes a while for the application to go thru anyway. In my State about 90 days,

BurntCaregiver Aug 2023
If your MIL goes into a nursing home you will not have to apply her for Medicaid. The nursing home will do it for you. If she goes into any other kind of LTC or board and care facility, they will apply her to Medicaid also.

How does her AL bill get paid for? The AL in Washington would not have accepted her unless the mode of payment was secured.
Her being in the hospital can be a blessing in disguise because while she's there you can ask to speak to a social worker about the Medicaid application. They will help you.

Under no circumstances should you take her to live with you. Don't do that and don't let anyone (the AL, the hospital, or their social workers and nurses) talk you into it. They will promise all kinds of available "resources" that will come to your home and take care of her, but it doesn't happen like they say. Refuse to take her. Then the AL that accepted her will have to take her back and secure her Medicaid application.

Caregiverstress Aug 2023
Maybe you are lucky that she hasn’t given you POA. You have no ability or legal authority to act on her behalf. In this case you tell the social worker she will not be coming to live with you as you are not able to care for her. They may promise you the moon that they will help, find services for you, provide a caregiver, etc. THEY WON’T. Stand firm. They will get her placed according to her needs and handle the Medicaid application. Most likely a nursing home. Then you can visit her there. So many people are in this situation. You are not alone.

AlvaDeer Aug 2023
There is nothing you can do as you have no power to do anything; as you say, you do not have POA.
Also, your mother is not diagnosed as incompetent in her own care.

I cannot imagine what assisted living accepted a woman with a history of paranoid delusions, undiagnosed and without funds, but apparently one did. I feel they will soon be on the
phone to you telling you that they have transferred your mother to hospital (they certainly SHOULD do so). She has back pain unaddressed which could be anything from kidney infection to fracture. Do feel free to tell the ALF to call an ambulance for Mom.

So sit back and wait out this bumpy ride. When Mom does end up in the hospital let the social workers know that you have no POA and your Mom is undiagnosed. They will assist in getting diagnostic workup and either POA or conservatorship.

You say you have applied for medicaid. I don't know of any assisted livings that accept it, but all nursing homes do. And I suspect this may be the direction this is all heading. I surely do wish you good luck and am so sorry you're going through this, but currently you have zero power to do anything. Just be VERY certain you NEVER take this dear woman into your home, because once you paint yourself into THAT corner you may be beyond the help of almost ANY advice.

Lmkcbz Aug 2023
You don’t do anything. The ER will bring her back to assisted living or they will find her another place. The assisted living staff will deal with her bad behavior or send her back to the ER. In no case should you take responsibility for any of this. This is her show … she refused help and refuses to give you the tools you would need - like POA … so let her deal with the consequences. I’d take her hanging up as a good sign. When my mom hangs up on me, I do not call back.
taimedowne Aug 2023
Good answer. My mom was in a similar situation. The hospital kept her until they could place her. It meant she was occupying a hospital bed that she didn’t need but they would not throw her out into the street. It took a few days and then they transferred her to a long-term care facility. Medicare covered the cost in the short term. The plan after that was to sign her up for Medicaid or whatever she needed in order to find a more permanent solution. She was assigned a social worker to help figure that out. They asked us if we would take her. Nope! During that time we were able to arrange care for her and then have her released. You aren’t obligated to do anything at all. Some people don’t have next of kin so she would be treated as one of those.
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