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If either of you are a veteran, definitely check with your local veteran affairs office. There are resources for a veteran, a veteran's spouse and a caregiver for a veteran.
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Reply to KPWCSC
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Hi everyone,

I’m 72 and also an elder orphan, so I understand how overwhelming it can feel to figure all of this out on your own. These resources have been helpful to me, and I hope they can be useful to you, too.

1. Eldercare Locator
The Eldercare Locator is a free national resource connecting older adults with services in their area. Whether you need help finding an elder care attorney, caregiver services, housing options, or other supports, they can point you in the right direction.
Website: www.eldercare.acl.gov
Phone: (800) 677-1116

2. National Academy of Elder Law Attorneys (NAELA) is a great resource. They have a directory of lawyers that specialize in issues like estate planning, Medicaid, and long term care.
Website: www.naela.org

3. Area Agencies on Aging (AAAs)
Your local Area Agency on Aging can provide referrals for services like transportation, meal delivery, home modifications, and legal assistance. The Elder Care Locator can help you find your local AAA.

4. BenefitsCheckUp
This tool from the National Council on Aging helps older adults find out which benefits they qualify for, including help with healthcare, housing, and food.
Website: www.benefitscheck-up.org

5. Legal Aid and Senior Legal Hotlines
Many states have free legal aid programs and senior legal hotlines to help older adults with basic legal needs. You can search for these through your state’s bar association or ask your local Area Agency on Aging for guidance.

I hope this helps. We’re not alone, and there are many resources available to support us as we navigate aging without family nearby.
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Reply to HaveYourBack
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Oh that’s not right…where do you live? My town has several things for seniors
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Reply to Kimidee
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Google Geriatric Care Manager to learn about their services and find one that is local to you.
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Reply to KPWCSC
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I would put in writing advanced directives about how both of you want end of life to look like for one another. I work in hospice eldercare. Sometimes people have a ton of family but they all left things got so bad. I would put clear instructions for the guardian about going to an adult family home with the last spenddown of $50,000 in cash for both of you, then medicaid if it goes to that. THen spell out what the advanced directives look like. For example I put in mine that if I ever get to late stage dementia, start declining food or water or aspirate that means the body shutting down, just let it happen. If I ever get to the stage of dementia where incontinence, falls, impaired judgment, wandering, elder exploitation begins, violence, etc usually late and final stage 6 or 7 I put in there that if they pass the death with dignity laws in another state for other state residents to choose that while still decisional (and I write this wish while decisional) just take me there for that. We just had a couple in an upscale nice area in memory care where the husband stabbed his wife of 65 years to death at age 87, and completely incompetent, now facing jail time. I don't ever want to become like that, it seems so undignified, they probably pay $20,000 per month for both to go into memory care to have that happen. I have very clear instructions for the slow, painful diseases like dementia or parkinson's and same types of instructions for cancer, or other terminal diagnosis. Sorry to sound so morbid but I work in hospice, which I love the work as we only get one chance to help people have a comfortable end of life experience or death. I have a million stories to tell about that. As a result, I know what I do and don't want for mine. I have written my wishes and boundaries out so that my loved ones (if I am lucky enough to have them still around when this occurs) may carry my wishes out and be at peace with my choices (and would rather my loved ones get any pitily moneys left to them to go live their lives in peace). I have never seen these things handled perfectly but the more functional cases the clear wishes of the loved one or for the guardian always the most functional. Also since you have each other, believe it or not one of my most functional patients involved a case where the husband died of vascular dementia after becoming violent, and his ex wife after he got diagnosed, divorced him per his instructions then put him in a medicaid spenddown community as they had both committed to these plans during the prime of life like in their 50's when both of sound mind, and both had wishes that they would carry this out and vice versa. None of us immune from the ravages of old age upon our bodies and assets, just make sure the assets go into the trust or divorce etc in time, not an attorney but always hear about 5 years.
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Reply to PennyAmes
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Many of us with families or kids would not want their help anyway. They often live away as well and lead busy lives.
So we are sort of on our own. I would never ask my child for anything!
Apart from legalities, consider as women live longer importance of women’s network or having GFs.
Some think it will be OK to live together. Not for me.
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Reply to Evamar
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Consider seeking help from an Independent Advocate. They can provide assistance with medical navigation, advance directives, elder care management etc.
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Reply to BlessedAdvocacy
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Shoegal100: Same as you, I too am an "elder orphan" but without the blessing of having one soul at my side. I was advised by an organization to find an elder law lawyer, and wonder if you might not want to try it? I'm in the middle of trying to find one near me though it's difficult and time consuming :). If you are familiar with the elder law and already have an elder law law lawyer with whom you both are very happy, would you kindly send me her/his contact please?
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Reply to Albapisar
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shoegal00: Your town's Council on Aging should be a good starting point. My mother benefited greatly from her's. She was a legally blind woman living alone till the age of 94 when I had to move in with her from out of state only because her blood pressure plummeted.
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Reply to Llamalover47
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"A Place For Mom" was mentioned earlier. I'm not going to say they aren't a good resource, but keep in mind that they may not point you to the most economical options. Also, check into adult family homes....residential houses where only 5 or 6 residents are, with 1 or 2 caretakers. Many of these will allow folks to "age in place", self-paying for 2 or 3 years, then transitioning to Medicaid. In my experience (with my dad, who had dementia) this is a more affordable option.
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Reply to michelle7728
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It is good that you are thinking about this now. Planning is everything. Read, get professional advice, evaluate your finances and personal resources. Then, make the best plan you can and be prepared to alter it as needed. Don’t wait until it is an emergency.
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Reply to jemfleming
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My husband and I are both elder orphans, both sets of parents, grandparents, aunts & uncles all passed away.Are there any resources available to us? We are 73, my husband is disabled?
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Reply to Dave1951
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peace416 Dec 6, 2024
Dave1951: obviously family that were a generation older than those of us in our 70’s have either died or if still alive are likely unable to look after anyone including family. But as recommended to OP, make appointment with a lawyer that specializes in Elder Law. Some may offer a free one time consultation. Search for local senior services in your area on the internet - then call them. Your husband is disabled? Contact services for disabled seniors.
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I sure understand your concerns - im not even married! totally on my own so - I have an elder lawyer who drew up a will. I will do a trust a bit later to make sure no one can fight with my will/decisions but it costs about 3k. Get a hold of your states "office on aging" and they'll have lots of help available. a place for mom is good with videos/info and help you think about assisted living in later years - I'm definitely doing that in a resort style community in Washington or California. And AARP is really a WONDERFUL resource! I've been getting the magazine for 15 years (now almost 65) and it's a really good read with tips you would have never thought of. I never would have been as prepared as I am without AARP. also strongly consider your place of residence. some states definitely give elderly folks marvelous care whereas other states will let you "slide." With the political divide I'm moving!!!! Start with your states office on aging and they'll send you lots of stuff to go through right away. Good luck!!
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Reply to YoungGeezer
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lealonnie1 Dec 6, 2024
Like the "marvelous care" N.Y. and Cuomo gave elders with covid who were sent to nursing homes, you mean? That kind of political divide?
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Please plan your future now. I will be also since I have no children or close relatives. The court will appoint a Guardianship to someone, but I would start thinking about downsizing and moving to a an apartment for seniors. Have an Estate Plan drawn up by an Elder Care Attorney. Good for you to think about this now!
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Reply to Onlychild2024
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Sure! It depends what you are looking for.
You don't need family members to take care of you, should the need arise.

If you have a home and some money, you can consider selling your home and moving to an assisted living apartment. You can live independently among other elders, often with communal meals and activities, along with competent nursing assistance as needed. That's pretty expensive.

If you lack the funds for such luxury, you may qualify for medicaid assistance and have options for Home and Community Based Services. I believe every state offers some variation of this.

As Gaeton pointed out, you should meet with an elder law attorney and appoint someone you trust to be your POA when you are unable to make decisions or manage your financial matters, as well as having an Authorized Medical Representative, that is, someone who can make medical decisions on your behalf if you are unable. You can also make written instructions as to what you do wish in certain conditions, such as what life-saving and life support systems you do or do not want.
A trusted friend, neighbor, or a young person who is like a son or daughter to you is an ideal choice. Although, you can find a professional to fill that role, such as an accountant or attorney to manage legal and financial matters on your behalf.
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Reply to CaringWifeAZ
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SadBigSister Dec 6, 2024
We just had our Wills and Trusts updated and since we are also elder orphans have designated the attorney as our executor for the "last one standing." We have each other as the primary executor and health care proxy but one of us will go before the other unless there is a car accident. Of course, they charge for this - clearing out a home, making arrangements for cremation etc.
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First and foremost you both will need to figure out who will be your Power of Attorney (and it cannot be each other, it needs to be someone significantly younger than yourself, local, competent and willing).

This would be a discussion with a certified elder law attorney (CELA). I have a form that names a legal guardian of my choosing, should the situation turn out like that (otherwise you will be court-ordered a 3rd party guardian by a judge).

You should consider transitioning yourselves into a senior community that has a continuum of care. Without family, there won't be anyone to legally be able to get you proper care so you will need to plan to move *before* you think you "need" it. This will also mean figuring out your finances to pay for such care. The reality is, without family to help, you won't be able to age-in-place in your home for long. Also, the cost of hiring out help is outrageous anymore (not to mention trying find the help in the first place).

Also consider hiring a Geriatric Care Manager for your medical needs.
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Reply to Geaton777
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Your County Office of Aging can help you find resourses that are in the County you live. They will come and evaluate your situation.
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Reply to JoAnn29
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kenmtb Dec 5, 2024
May be a good idea in some areas but my locao OFA is good at directing you to voice mail ghosting and directing you to links and publications 🤨
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Like Grandma, I am uncertain what you are looking for?
Help?
Companions?
Hope you will give us details so we can respond.
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Reply to AlvaDeer
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What type of resources are you looking for?
Your local Senior Service Center might have programs that could help you if you need help. they probably are looking for Volunteers is you are looking for something to do.
But a bit more info might help get you some better answers.
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Reply to Grandma1954
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