I am going to an Elder Care lawyer to try and get my wife on Medicaid so I can put her into ALF, they want 15,000 to 18,000 dollars, does it really cost that much? In the long run the ALF costs over $100,000 a year so I guess it would be worth it. I live in Michigan and really don't want to lose all of my assets I've worked my whole life. Any advice?
For now I'm trying to get some in home help and manage without Medicaid. Currently I can, my husband can do most things for himself. He could do more if his mind were not so bad with Alzheimers and it is stressful but I'm dealing. I too agree about not wanting everything we worked for to go for nursing home care. We saved and did without to have what little we have. If we had not both worked and saved, took more vacations, spent more on luxuries, and etc, we would qualify. I know some people don't see it that way but I certainly understand where you're coming from.
Sorry, this isn't very helpful but I do understand how it all makes you feel and I think we have to do what we have to do given our circumstances.
Your other choice is LTC. You being the Community spouse. That 10k would pay a month in LTC and maybe 2 months in an AL.
I suggest u contact your Office of Aging and see what kind of help they can offer. Also, go to your Medicaid Office. You may be able to do a lot on ur own. Only getting a lawyer when things get overwhelming.