After Mom, who lives in FL, was involved in a car accident (hit by a drunk driver) I discovered a $9,000 balance on her Visa made to help pay for my oldest brother's step-daughters wedding, he lives in the same town as my Mom. I also discovered my sister-in-law had talked Mom into putting her as an authorized user on her Visa "So I can pick up pads and stuff for you". I also discovered a check Mom signed and my oldest brother made out to himself for $4,500. He has claimed he will repay these debts but made two Visa payments totaling $400 right after the accident and now won't talk to me. My other brother (who lives in Ohio) has tried talking to him and he always claims he's getting ready to pay it all off. All this time I've used her funds to make minimum payments and now I've had to move her back to the nursing home and since her only source of income was social security she is now on Medicaid. Visa began collection calls when I stopped paying and I explained the situation, talked to collections dept., fraud dept. (who said they couldn't do anything) and finally disputed the charges so I could get copies. I talked to the State Attorney and he said if I had copies of the signature receipts along with a complaint letter from Mom I could file charges. I hate to do this but my older brother won't discuss this with me, stopped seeing my Mom when all this was discovered, and will only text me occasionally to tell me to "back off the visa, I'm gonna pay it". I have tried to discuss finances with my Mom for the past 5 - 10 years and she would always tell me to mind my own business. Well now it is my business and I'm on Xanax because of the stress and anxiety this has all caused. I work full time and live 2 hours away in AL and have made 20 trips to FL in the past 8 months. There are many, many, many more drama's in this story but I've just spent the last four night preparing a Victim Impact Statement because the defendant has decided she is tired of dealing with this (poor thing!) and has filed a demand for a speedy trail, and have been dealing with the nursing home and Mom's plea's to take her home. This has been one drama after another!
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If you decide on long term care insurance be very very careful. i used to do in home assessments for several companies and the purpose is to weed out anyone who is likely to need it. The older you are when you apply the higher the premium. Apply when you are young and healthy then add up the premiums for when you might need it say in your 70s and you will be shocked how much the has cost. You might be better off setting that money aside each month so you have funds to pay for your own care.
Also remember that most insurance companies exist to make money so they will make you jump through many hoops to get what you have paid for when you are most vulnerable and least able to fight back
With my ow folks, both retired, with modest investments, their house sold and rolled into their portfolio in the way of protected CD's and such and none of us 6 kids ever expected to receive any inheritance, though we did care for both our parents till the bitter end, through horrific illnesses, we wanted out parents to enjoy their lives tobthe fullest, inheritance be damned! And they did until the last couple of years, when they were both so ill. There was never any fighting over who got what, but I suppose that we are the exception to the rule, and are a very close knit family, even after our parents passing. Surprisingly, we each recieved about 8 thousand dollars each, and I used mine to go and visit their homeland, the Uk, England and Wales where they were both from. There was never a peep over who should receive more, it was divided evenly, with tow of my sisters receiving a bit more for the replacement of carpets ans doors and other Damages which occured in there homes while caregiving for our parents, an obvious nessesity.
Clplate, I believe that you should advocate for your Mom, over the obvious greed and being taken advantage of by these other siblings! Your Mom may very well need that money to live in in her old age, and if she owns a home, that may need to be sold to live on in a Nursing home too! I hope you have DPOA, and Medical POA over your Mom! Your siblings should be held accountable for the monies the've taken from their Vulnerable Mother! That is just Sickening!
I believe that family caregivers should be paid via a Caregiving Contract but even then, it isn't enough for the mental anguish and the toll it take on the family, especially if there is only one doing all the work, thankfully that wasn't the case in my family, but again, we are the exception, and shared as equally as possible in the care of our parents til the end.
I think there is quite a lot of the 'oh it wouldn't happen to us' naivety that you see with other, similarly momentous traumatic periods. Or with couples who think they don't need to talk about pensions because what's his is hers and vice versa. Or parents dealing with a serious congenital condition in a baby. Reality intrudes, and things fall apart, and people who loved each other are divided by horrible things happening and cold clinical decisions needing to be made and forget that their biggest asset should be one other.
It's awful, you're right. I don't think ltc insurance will always cover everything, mind :)
I really think that people should have ltc insurance and children should be able to be children. Someone is always getting screwed over and it really takes a mentally healthy family for the situation to not get nasty. I'm really getting sad reading these common threads. I feel for all of you. ❤️
I am going through the same type of thing. Since my dad passed almost two years ago I have been the sole caretaker of my mom even though there are six other siblings. I did everything for my mom and sometimes I would ask my family members to take my mom to the an appointment and got a no. I would have to leave work to take her. There is a lot to do for an 89 year old woman and I loved helping her. I moved her closer. My mom and i put my name on her bank accounts for probate reasons and my mom also gave me extra money. She gives everyone inheritance a couple do times a year but because of all my help she has given me more. Well when my family found this out they were livid and accused me of stealing. I couldn't believe it. They totally took over caring for my mom and do not talk to me. My mom even wrote a note saying that she did give me extra money and it is her money to do what she wishes. Now I am trying to not assist my mom so the family can see all the work that is involved. I have a feeling they will stop taking care of her. As a matter of fact I don't believe anyone filled up her pill container today. I may have to do it tomorrow. I am so angry at the accusation and am ashamed to call them my family. We were never a close family and this just broke it up even more.
You could try getting guardianship, but that would only be possible if she is found to be incompetent. She probably is not there yet. So, it's her money and she can do what she likes with it.
Just don't end up with her care on your plate.
All Brothers and Sister live in Illinois State
If you're in the States and your brother has control of the family farm in India and he himself lives in India... well. Good luck, is all I can say. But is it possible that your brother thinks you're enjoying some amazing American standard of living, and you need to be franker with him about the cost of looking after an older person?
Anyway. Please say more about your situation - maybe somebody will have some helpful ideas.
please help me i can do any things for this battle
For the family that does work, bravo. Thank God for what you do have.
The main thing is when you have toxic evil relatives, don't go snuffling after them because 'whyyy don't they liiike me???' Cut them out of your life, your will, everything. Disappear so they can't find you. Be happy.