I've posted recently about the problems I've had with my husband. He recently underwent coronary artery bypass grafting that failed and was in ICU unconscious for 12 days. He has been moved to the floor but is unable to walk and use his arms/hands correctly. He also has ICU psychosis. He has been spewing hateful things to me and the nurses - things I've heard before. They are recommending a short-term rehab facility. My choices are rehab only or a nursing home that does rehab. I believe he will regain full cognizance - he is just mean as hell! I know my kids will hate me if I make him a ward of the State and place him in a care facility (He has the money to pay for it) but they would be little to no help. What are your experiences in going against your children for this?
P.S. Even if you ultimately decide not to go (but I hope you do), you should still have cash on hand. You don’t know what’s coming down the road.
I just learned that if you file for legal separation, that will prompt a court order and gain you access to all the financials.
Also, many law schools have legal clinics. Those students work under the direct supervision of attorneys.
If he does not recover at rehab and requires long term facility, then you discuss with children and doctor. Can he safely go home and is there enough money to hire help at home. Can doctor assist you in getting home health care to continue physical improvement. Should he have to stay at a long term facility, your financial situation will be evaluated by NH Medicaid (Health and Humans Services in Texas) to determine how much might be owed to NH each month for care. The spouse remaining in the home is not left destitute by this process. If there is no money except, perhaps, social security and the income is low enough, he might be eligible right away for Medicaid to assist with the cost of his NH bed.
If you are one of many of us who missed out on getting a financial education, go to Bogleheads.org. You will find out that money is not as complicated as it's made out to be.