My mother has had a stroke which turned into dementia she lost her husband a couple years prior to that and she is still grieving. My sister was watching her for almost a year but now she is moving to West VA. I have a found a pretty nice place for Dementia residents that just opened this past June. I talked to my mother about she would have to move to an apt. and we would have to sell the house (that she has lived in for over 45 years) Does anyone have any advice on how to break it to her and getting her there without physically forcing her. We are planning on doing a reverse mortgage to get her in there because my sister will be leaving in a couple weeks and then we were going to sell her home and land to use towards her staying at this center. Any advice how to approach. I discussed it with her but she said "stop treating me like I am 2 years old I will leave when I feel like leaving and if I sell this house I will just buy a smaller one"
The information OUT THERE is always confusing.
What you need is a person willing to come, at the time specified, have them be hired and continue showing up. When the house is sold medicare gets theres otherwise their is nothing to do , go to the department of aging, Lutheran Social services until you get answers you need. If you are still living in the house you also have rights as her caregiver...their is a statute in Ilinois if you have taken care of your mother for two years or more, what ever state you are in check out what applies. A little work and walla nothing drastic has to happen unless it needs to happen.
As for a POA, there are two basic types, one needs person/parent to be deemed incompetent before the agent can act on the their behalf. (springing powers) The other grants power to the agent immediately upon signing. Our firm recommends the latter in most cases as our parent's age. This is also good if our parents are traveling and the child(ren) take over to pay their bills while the parents are on the road. When something happens, if you have springing powers, it will normally take a week or more to get two unrelated doctors to deem the person incompetent. Sometimes decisions need to be immediate. Also, there are two POA's needed, one for financial and a separate one for medical. We recommend separate ones for privacy reasons. Doc's/hospital doesn't need to know financial and visa versa.
As for getting mom to a facility, many times to can visit several times for lunch/meal....and get them comfortable with the surroundings. Some facilities might be able to get some of their residents to friend mom by introductions...then next meal visit, they will know someone. If things get bad or dangerous, you can have them 302'd, which is a forcefull way, but legal. We have one client who's been in a memory care unit for a couple years.
He still carries clean underwear and a couple hundred dollars for when he can find his way out. His family was just short of the 302 route.
Good luck, we are beginning to go through much of this with my parents and not looking forward to where I know we are headed. No matter how much we help our clients with this....it's even harder when it's you! Good luck
If she owns her home and her only income is social security, then DORS (Cash and Counseling) pays for the caregiver and... upon her death when the house is sold DORS claims their repayment, saving you the hassle of selling or anything else of her house now or where her house can appreciate and continue to grow in value.
If she has a cash account, there are rules for how much money can be in there for them to qualify, for the program. Talk to a DORS professional or what ever the program is in your state.
My mother is 96 years old, poor eyesight, nearly blind, very hard of hearing, and her knees are so bad she can barely walk, congestive heart failure and anemia. We found medication on the floor of her apartment and other tell tales sign of a woman in trouble.
The state she lives in will help pay for Assisted Living just make sure the facility will take Medical Assistance and Elderly Waiver when your mother runs out of money. Ask about that when you are looking.
Blessings to you as you find a solution to this problem.
Care facilities have often simply taken the deed to pay for the care, in past.
But if a property is too valuable, it needs sold outright, then put the funds in an account that is administered by the POA.
I sure hope you or someone proper, has POA by now--to prevent anyone taking advantage of your Mom!
Not sure I understand why you plan to do a Reverse Mortgage to get her into a facility, then sell it?
Reverse Mtg. make monthly payments based on the equity, to the elder[s], or to whom they designate, for whatever they need---with certain caveats.
If she isn't actually living in the home, & there's no spouse living in the home, the contract defaults and the house has to be sold, I believe?
..Maybe not all of the Reverse Mtgs do that??
Maybe you meant you had information about one that didn't require living in the home?
Funds from a real estate sale may, --or not--, equal the amount of care the elder receives, so turning over an entire property to the facility's ownership, may -not- be appropriate!
Allowing the facility to govern use of funds, is also -not- very appropriate.
IF you are trying to spend down her assets, it's better to do it by selling the assets, govern the account holding them properly as POA,
then once it's gone, & if the elder still needs care, they can access State helps and other helps.
[[IF she was going to give assets to heirs, that had to have been done more than 5 years BEFORE she needs any State helps.]]
Your local Area Agency on Aging has access to some FREE legal helps--make a list of questions--hopefully that can be "yes or no" answers--lawyers are complicated though--what you think is a simple yes/no can turn into a dissertation!
You have to make an appointment with the person at Area Agency on Aging for seeing one of these lawyers--they usually have a day of the week for it, and it's half-hour slots.
I don't think there is much limit on how many appointments you can have.
Elders can be REAL stubborn!
The more they lose function, the worse that gets.
SOMEtimes, the "choice" has to be made for them, like it or lump it.
Those cases can get ugly.
But taking them for a ride, or doing something they like, then ending up at the new place, is usually a good thing.
For Mom, everything was a perfect storm of events--her spouse had medical emergency, she was staying many hours at hospital with him; there was a small fire at her house; fire dept came; City announced it was unfit for habitation [because of her enormous messes & massive disrepair, not the fire!]; her spouse needed hospice...]
They weren't allowed to return to it, except to gather personal belongings.
That's one way.
Health officials or Social Worker from Area Agency on Aging, might help by declaring her place unfit, forcing her to move to her "new apartment" in the facility.
One GMa was till driving; family dreaded her reaction at taking her license. Family got the DMV to do it---she was not slated to have to take the driving part of the test again, but family made sure it happened, because she still passed the written parts---they made sure she failed the driving parts, and she lost the license--with which she complied--and it was not her caregiver's fault, then. It was "those rotten [bleep!] officials"!
If an elder is confused enough, prepping the new place with some of her belongings, arranged in familiar ways, then driving her on a day trip to sight-see, ending up with taking her to visit some friends [who happen to be there too at her new "home" , could work.
...since her things are there, & friends are there to greet her and talk, it gets familiar sooner than later.
In this instance, plan on spending plenty of time there with her to help the transition, ending in helping tuck her into bed when she's sleepy.
For one Gma, w/ Alzheimers, family convinced her it would be easier for her to take care of a smaller apartment--she'd always been logical--so fewer of her things were moved there, and then she was moved in. Somehow, she didn't make much fuss that ALL her stuff was not moved there with her--just certain most recognizable things.
Another Gma was very lucky to have family who could take care of her in her home til she died.
Other elders have family who slowly remove stuff some at a time, where it's less missed--out of the back of cupboards, out of closets, less used corners of the hosue get "cleaned" and "put in better order", or, maybe get "taken to storage", or, various family members can tell the elder "why yes, Gma, I have your dresser at my house--I even pout your favorite lamps on it the same as you have had them..." It is often a relief the items are being cared for the way they have done it for so long.
[[I was lucky--she couldn't really climb the stairs to get into my apartment, so she couldn't check up on stuff!--so I just kept reassuring her things were just as she would have them, only at our place]]
But I believe one cannot use a Reverse Mortgage to pay for facilities--the elder MUST live at their home and use the RM to pay for home helps she needs, there.
Do check with Area Agency on Aging.
MANY people have been thru this, and lots of good information is shared;
the Agency has LOTS of people they can refer you to, for better direction, if they don't have answers.
One important bottom line:
AVOID yourself going into poverty in order to support your Mom in her home--that is not realistic.
The STATE does not demand families go destitute, nor damage their own health and welfare, in order to support elders or disabled family members.
There are resources, from one source or another, that can manage to take care of Mom.
The STATE does not want to end up taking care of the adult children, if they went into the hole taking care of elders. Adult children need to guard their resources, to make sure they have enough to take care of themselves.
There is no easy road here. Look at her health, your health, the finances of each of you and your sister, what is possible with the legal and medical advice. We all just do the best we can. Medicaid will kick in once your mother uses up all her assets however, do you want her to be a Medicaid patient? Which facilities will take her on Medicaid for the rest of her life that are decent? These are the questions I asked myself when I was caring for my elderly very disabled father.
Pumpkin, does your mother have any friends or people she keeps in touch with that she truly trusts. We were blessed because mom had 2 older woman...one a volunteer with AARP who did her income taxes....the other a former co-worker. These lovely souls would help to keep me informed on my mothers situation because mom would talk with me or sis about what she was feeling or struggling with. I was over my mom's house daily, 2-3 times a day...once to give her medication at the same time during my lunch breaks, another just to check on her and make sure she was safe, and on my days off work...a 3rd time to bring her home cooked food. My mom refused to have home health come in her home even though the LTC would cover it. She got more confused thinking that if she cancelled the policy she would not have to go into a care facility. We were able to stay one step ahead of her because these two ladies understood and worked with during this period. The volunteer is 93 years old....my mom is 84, such a difference in their cognitive abilities. It is such a shame that Alz/dementia has to happen to anyone.
One is blind in one eye and the other eye is going, has to use a walker all the time and has bladder problems. She doesn't drive anymore. Her daughters live quite a distance and can't help her. The daughters want her to go to assisted living and are putting pressure on her.
The other can't lift anything because of a shoulder problem and must use a walker all the time. She will lose her driver's license in Dec (and really shouldn't be driving now). Both are 86 years old. She never had children, but there is a neice who lives in another state. The neice wants her to go to assisted living out near her.
Neither can take care of their three bedroom houses anymore. One has hired a cleaning person - both have hired yard care. One can only sponge bath, but otherwise they both take care of their personal needs. They are not eating properly. I worry about them living alone but I'm only their friend. I've offered the solution of a live-in caregiver, but neither wants a stranger in their homes.
Something that worked for me... Maybe find others who have moved and have her meet them casually and without pressure. My mom met people who were so happy to have moved that she started thinking it would be fun. She met them in all kinds of places throughout her community like at the library and even her dental assistant. The facility will also help with ideas too.
Take it slowly and keep trying all kinds of things. Talk with everyone in the area and ask what works for them.
Stay open ... you may find another facility or other solutions along they way as well that you and she like even better. This is a special part of life where you both may meet interesting and kind people. I hope you both can find a way to enjoy this task ahead of you.
I thought it was a burden for me at first taking time from my life and work and in retrospect, I now realize it was an interesting puzzle that we got to solve together.
Someone told me to try to change my perspective to a good one. I think you may already have a good perspective. The advice I got was to think of it as an interesting challenge and look for the good that may come from the investigation ... like meeting new people, learning about how you want to live your life going forward and finding clues to a mystery in our lives.