I have court appointed TEMPORARY guardianship (due to dementia and have doctors affidavit that she needs care for her activities of daily living) and go to court next month for hopefully permanent guardianship. I have also paid for a surety bond per directions of the court. Bank will only allow me to put a flag on her accounts until permanent guardianship is approved.
It is too late for my family but I wish there was a way to help others who aren’t at this point yet unless the parent is super rich, this will become an issue for every family
Take away her debit & credit cards asap. Keep records of bank statements too.
Goo Luck!
Do you realize that if brother is evicted, you will have to hire caregivers to the tune of about $20,000/month if needed 24/7 or else place her in LTC at lesser, but still great, expense? And brother will get her house if live-in caregiver for more than two years in the Medicaid spend down? (Eviction takes time!)
You need to consult an elder care attorney before proceeding further! You also need to consider whatever value your brother provides your mother as live-in caregiver. He may be saving your mother way more than he spends!
Edited to add: And if you cut off that debit card and take away the checkbook, how are your mother and/or brother going to pay bills, buy food and medicine and put gas in the car, etc? Stop and consider what is really best for your Mom. That should override whatever problem you have with your brother. You will (or at least should) look like a real jerk to the court for depriving your mother and her caregiver all support if you go that route.
The sooner you can get the judge to see the reality of the situation, the better. For us, this turned into a nightmare. Even though my mom had drawn up a trust prior to the dementia setting in, and I was stated as the successor trustee, we still ended up going back and forth with the courts for over a year and a half, and spending $70,000 of my mom's money just to get back to the same thing she had spelled out in the trust years before - that if she should lose control of her faculties, I would continue as her DPOA and become successor trustee. Between my brother and a sister (who hadn't visited my mom in a decade, but popped back in to ally herself with my brother and stir the pot) they kept things chaotic and caused the judge to feel she had to prove that she was proceeding cautiously and "protecting my mother's rights", even though no one could ever validate anything they alleged (that I was controlling, seeking to profit from my mom, perhaps already had funneled some of her money to myself).
I don't advise ANYONE to get involved with the courts if they can avoid it, but you're already there, so get your attorney to convince the judge ASAP that your mom needs protection due to her own inability to protect herself.
Have you tried getting Power of attorney or in trust accounts. I would recommend to go to the bank and your doctor and explain the situation they maybe able to help.
ALos look up your 'Elder Options' Agency, or Shriner type organization. Elder Options is called something different depending on the state and county you live in.
I hope this helps.
who takes care of mom? She can't be left alone, she isn't competent. If he is doing caregiving perhaps he needs a caregivers contract that will specify what he is expected to do and how much compensation he would receive.
I guarantee that your mom will not let him go quietly if that means she is now alone most of the time and she is right, she needs 24/7 care.
What is the situation, mom has caregivers, she lives in a facility that he is able to stay, you are there 24/7? Who provides the needed help with ADLs?
Then I would ask about a debit card for mom that has a limit maybe or other ways to cap her ability to spend or withdraw money without taking away all her feeling of power over her affairs. You can either head off issues at the pass or wait to see if she even notices, you know Mom and Bro's influence best, by telling her the court stepped in based on her doctors concern and determined that she needs someone to take care of her finances. The concern being that her confusion sometimes or a major health event could deplete her funds so much she wont be able to support herself. They would have appointed a stranger and charged her for it if you hadn't agreed to be appointed but even though you are her daughter since it's a court appointed legality (she didn't make a DPOA to avoid guardianship) you have to account for all spending to the court and that limits things a bit but not as much as it might if a stranger were doing it. This may be a bit much for mom to grasp but partly it's for brothers benefit if you find a way to either have him overhear the conversation or better yet be a part of it. You could even say, while I can make a case for supporting his living here with you and not paying household bills the court has been clear that gifting money or miscellaneous expenditures not for mom directly are no longer ok. The other angle being if she should need Medicaid in the future everything has to pass Look Back muster. This way it isn't you cutting him off it's the court, the doctors and you are the good guy rescuing as much as possible. If you can find a way not to be the heavy w/bro and help the relationship or at least appearance a bit it will be much easier on mom. In my experience she needs to feel like everything is ok and she is caring for him as much as possible. Bro living there as a caregiver might be valuable too if he is indeed good with her & helpful.
(If you can not stop the card then report it lost and suspend all transactions until it is found..{{like magic after you have full guardianship}})
If she has a check book "loose" that until after the court date.
I do hope you have a safe in the house for valuables.I do hope all the "loans" to brother have been documented as you might have to take him to court to recoup the money and that may be a possibility IF you have to apply for Medicaid. If you don't it might be fun to send him a 1099 at the end of the year so he pays taxes on the "income"
Understanding guardianship, and the qualifications required, would be the first step. One can always have a public guardian or another guardian appointed if you cannot take charge.
If you have guardianship then you have legal right to intervene and the responsibly to protect your mom's well being and that includes her finances.
Good luck, you will need it!
Did your mother contest your guardianship application? Is there any friction between you and her about it?
Dad was very angry when he first entered the MC and lost access to his money, but he actually adjusted in just a few weeks. Then we went through a time where he was concerned the money would run out and he would have to leave the MC. After I assured him there were enough funds for him to live there at least a decade, I only heard about his money again when he wanted to buy some collectible and couldn't.
As guardian, you are responsible for how ALL your mother's money is spent. If the court (in it's annual review) doesn't approve the money your mother is giving to your brother, you can be liable for those funds and lose guardianship. I encourage you to pull your mother's direct access to funds and strongly consider reporting your brother to APS to avoid that outcome. The court may overlook problems during the period of guardianship transition but you need to have responded and solved the problem when it came to your attention.