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Your Mom must have been a wonderful mother to have raised such a loving and caring daughter. And wonderful parents want their child to live a happy and full life.......... which you can't do if you devote your life to caregiving. We all want to die at home surrounded by family but it doesn't work that way at times. If your Mom could have looked down the road when she was forty and foreseen the sacrifice you would be making she would have told you "never mind what I say at the time. Please live your life. Be happy." So think about finding a facility where she will be safe and you can visit and be a loving daughter, not a caregiver. She won't like it but it needs to be done.

Your local Office on Aging can help you through the process but a few things to note. Medicare does not pay for custodial care in nursing homes; it is a health insurance only. The big payer for custodial care is Medicaid but it is administered by the state so rules, regulations and requirements differ from state to state. Most states require that the individual in question only have a min of 2000-4000k in assets particularly if there is no community spouse. All assets fo towards the support of their owner so - if she has a house it will need to be sold and funds from the hosue will go towards payment of her bills at the facility in which she is placed. Medicaid in NJ takes a five yeaar look over the shoulder to make sure that there have been no "gifts" or "loans" to friends and family to make the person elegible for Medicaid. If thre have been, a time penalty will be imposed. Facilities do not ahve to accept anyone who does not have a valid and verified payment source. Many facilities require a private payment of serveral months before they will admit a new resident because they realize that when the person is eligible for Medicaid they are going to be paid significantly less than private. Sounds like you Mom will need the level of care that is provided at a nursing home (Assisted livings only provide assistance with activities of daily living); this is actually a good thing because ALs have a really limited number of Medicaid beds.
Call the Office on Aging but start shopping to find some facilities now. Remember to visit them at least two times (one unannounced). Check the activity schedules and observe how the staff and residents interact. Nursing homes fix food for a wide variety of medical diets. Do not expect the food to be like those you would find in an AL. And you are right, both AL and NH are terrifically understaffed at night (even more so in the pandemic) - you will wait and if the resident is a mandated 2 person assist.....you may wait even longer. Find out who will admit once your Mom has qualified for Medicaid and who wants private pay first (but who will guarantee a Medicaid bed once the application is accepted). When you find one or two you like, let Mom take a little vacation there for a few nights.

Oh yes for the Medicaid application start getting the documentation ready tomorrow. You will need birth certificates, marriage license, death certificates, divorce decrees, mortgage statements, utility bills, and bank statements (in NJ we need 5 years, ask Mom's bank to supply them) and document all medical and home repair expenses. If you haven't done so already get Mom to do a Durable Power of Attorney, a Living Will and a Medical Proxy.

Don't allow yourself to get overwhelm. It's not a pleasant time of life but it happens to all of us and your get through it. Best of luck to you, keep us updated and if I can be of any assistance just message me.
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ievolvetoo Sep 2020
Thank you for your time and consideration! She does not qualify for Medicare but your point is valid. She wants her estate to fall to me. She said she cannot go knowing I am not taken care of, so that is the line we are all trying not to cross. I could certainly be taking care of those things for myself if I wasn't here caring for her. So, we have agreed that this will be a meaningful trade: my parents home is my retirement plan (according to her). It is in a trust.
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Your answers appear in your question.

In order to see her through to the end of caretaking, you have to be all in up front, 100%.
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ievolvetoo Sep 2020
I am. COVID sure is presenting that extra pressure and binding though, isn't it!? Ugh.
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Ask yourself these two questions: (l) Do you deserve to be burdened with the demands of your mother even if it going to destroy YOU and your family? I'd hope you say NO NO NO. And (2) do you think you have the right to live YOUR life now - you might not get another chance later? I hope you say that you do deserve YOUR life now. Now take the next step and do what will harm you the least - and I hope you choose YOU
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Lockett2166 Aug 2020
I don't know if she has dementia or understands or cares what is and will happen to you but YOU do know. The answer is you CANNOT do this. There comes a time in life when we must stand up for the best scenario for the now and that time has come. Not everyone, for multitudes of reasons, can or should be a caretaker. There are some who can and will do well but not too many. It is now YOUR time to live. She has lived her life and you will be sad but you must think of you first.
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When demands and needs and behavior start to cause you problems and are overwhelming you, then you need to do what you must do. Do not let this happen to you. Please find a place to put her.
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ievolvetoo Sep 2020
Thank you for taking the time to post. I sure will... I think the answer is respite care! Wishing you peace. ((Hugs))
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Is there no other family member who can/is willing to help? Does your mother have enough money so you can hire help using it? Do you have POA in all areas?

These are essential questions that need to be answered.

I took care of my mother with total POA authority shared with my younger sister but she chose not to participate. I made some good & some bad decisions for the 12 years I did this.

It's not easy & unlike me, you have come to the conclusion your own life has value. Some of the burden of her care must be shared, However, I highly suggest if you hire help to come in have security cameras all over the house. Sorry but no everyone does what they should in caring for someone. This way you will know. I also suggest the cameras be hidden if at all possible & be installed in such a way no one can tamper with them without you knowing,
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ievolvetoo Sep 2020
Great thoughts. I can tell you have walked a mile in these shoes I am dragging around (smile). I do have full POA. There are no other family members to speak of as her 2 other children are not in her life (long standing religious feud, a whole other ridiculous topic), and my 20-year old daughter whom my mother degrades (picks on her weight, acne, whatever she can) so I won't allow it. I have had to hold firm to my boundaries to prevent her from acting in such toxic ways toward me and she seems to be respectful if not loving at this point (and for the last 2 years). My mother has had a hard life so I want to honor her and teach my daughter that this is what you do for family. I will do all that I can for as long as I can as long as my safety, health, and sanity remain in tact. We are teetering on sanity some days. LOL. Anyway, thank you for taking the time to post. I will definitely keep your ideas about security cameras in mind when COVID is managed and I can bring a caregiver in even if only for a few hours a week. Peace and safe passage to you and yours. -h.
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I really cannot help you... Your post could be mine. I feel the same way, that's why I decided to look for help and see a psychologist. I just wanted to let you know you are not alone and that we have the right to live our own lives.
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You said that your mothers house is your retirement plan in another post down below. And that she doesn’t meet the requirements for Medicaid. It is possible that your mom could go on for many, many more years. It could be years well past your retirement. You could sink much of your life and good earning years into what will need to be sold anyway. You need to weigh the benefit of her estate (you say she can’t afford private care) against more years of working, enjoying your life, having a relationship and a well deserved vacation now and then. You say you THINK she doesn’t qualify for Medicaid but every state has rules about spending down assets and how the state would manage her income after placing her on Medicaid. And there are different types of rules for each state. One state I lived in allowed a house to be left to family as long as it wasn’t sold. You need to contact your local office on aging to see what services she may qualify for without Medicaid. Some states have great waiver programs that would provide assistance in home and offer you some relief. Also, speak with a good elder care attorney. Once I started to explore what my mother could and could not afford, I found out she qualified for a certain benefit and I’ve been able to plan for her private care for several years with her own funds before needing Medicaid.

I also wanted to share that my mother has better care in her facility than she would at home. She has regular doctor visits, activities, safe bathing and dressing, regular meals, extra nursing visits, and she is not left to sit all night in her diaper. She has dementia,
delusions and hallucinations and I could never manage her care at home. Visit facilities in your area to see what is offered.
You have the type of relationship with your mother that is loving and giving both ways. I don’t have that with my mother. So it was a little easier for me to take the emotion out of the situation. But still I made practical decisions based on her safety and care first. You need to consider your own health. If something happens to you, what will happen to her? I had a friend that went every night after work to see, bathe (she was a nurse so the staff allowed her) and feed her mother in the assisted living. Then she was able to go home and get a good nights sleep and go to her job the next day.
What you are doing is not easy. I commend you for prioritizing your mother’s wishes. But I do hear some very valid concerns coming through in your question to the forum. And you need to start to pre-plan now before there is a crisis. I hope you find some balance in your life!
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I see myself in your post. I understand your situation and your emotions.

I was in your shoes for 20 years, caring for my mom and dad. Fifteen of those years I had mom living in my home.

It is an enormous sacrifice and only you can say if it is worth it. I can tell you that in my experience it wasn’t worth it and was too large of a sacrifice.

I sincerely wish all the best for you and your mom and support you no matter what you decide but strongly suggest the importance of taking breaks as often as you can. Look into Council on Aging for a few hours of relief. I did that and was satisfied with their service.

Otherwise if you continue to keep on being her full time caregiver it is a recipe for burning out and missing out on your own life.

Take care.
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