My borther and I live with our dad. He's 87. My bro & I take dad to the doc, store, wherever he needs to go. But, we either buy what he needs or let him pay himself for his things. He has acquired quite a lot of debt in the past 2 years and we can't figure where his $$ goes except that our younger sister comes over before the 1'st every month to get our dad to pay her rent. During the month, she will show up once or twice a week to get him to go buy her groceries, toiletries, etc. She is 53 & lives in a nice 2 bedroom/2 bathroom apartment alone. She has taken care of dad for only 2 over-night trips to her place this entire year of 5 1/2 months, because he wanted her to do his hair. Dad has nothing to show for his debt. Nothing. He is on crutches & almost lost his big toe. H He was in the hospital for a week & we got a little break in his care. But, our sis would go visit him & sway nothing to my bro or I. I think she only visited there to get money. We have informed our oldest bro in Cali. several times, as he has POA & Medical POA. Meanwhile, when we take dad to the doc & he has to pay for something, He goes there in old torn clothes & shoes & refuses to buy new one because he say s he can't afford them. He makes, like $4500 a month! He owns his house. He was broke by the 8'th this month and using his credit card already. I was shocked because he also got his income tax refund and had picked out a bed we were supposed to go pick up this week. WHERE IS IT GOING & FOR WHAT??? What to do ???(He tells people he's broke "because he spends it all on his kids."--Not true. Only the one).????????? blou
Monthly put away money in acct. For automatic payment of RE Taxes. If it comes to you ha ing to pay out of your pocket for RE Taxes pay for taxes in your name not parents. Won't tell you why, just to do it. Keep track of all money you have out of pocket for parent. Establish as adult child fair mkt. value what should be your rent contribution to household and what is your contribution amt to household and keep receipts showing why any diffferance befor trying to address sibling who has parent paying the way. Sibling may consider your getting a free ride and figger she'd get help paying her housing bills too.?
Is he not able to manage his own affairs or funds? If he cannot do this without your assistance, then it is clear that his competence is an issue and that you will need assistance from a doctor to challenge competency and pursue guardianship on his behalf. Beware of attempting self help without an attorney to interfere with his deposits or credit cards. That makes YOU guilty of the same things you are accusing your sister of. Fraud and deceptive practices may make YOU look like an exploiter, too!
If you really want to help, do it the right way. You can contact Social Security and inform them there may be a question of ability. It could allow his benefits to be held until a representative payee determination is made. Being sneaky and getting into legal trouble could lead to YOU being INELIGIBLE to be a Rep Payee or assist your dad! Ignore advice that asks YOU to do sneaky dishonest stuff.
And have that hard conversation with your sister. Tell her that she needs to pay her own bills or expect to have to sign a repayment agreement, or be sued to recover these funds inapropriately "gifted" to her, repeatedly. Make sure you account for your costs of providing supervision and assistance to your dad.
We had to give up our home to watch over my mother in law and get rid of a hanger on abusive "boyfriend" who was using alcohol, lack of food, and elaborate stories about "being rich" to get to her retirement funds to pay HIS BILLS. NO, that guy was not paying rent, and put her in a financial position that she could not pay her taxes on her home, pay her utilities, renew her car registration, or even buy food. She was sick because she was DETOXING FROM ALCOHOL ADDICTION!
We stepped in and spent $1000s getting rid of this guy out of her life!
I am hoping your sister isn't anything like this. Just remember, you must come with clean hands to help best.
He gets to much money for medicaid.
If he goes around with you in unkept in rags. Question of abuse burden may rest on you as livein caregivers to prove where his funds are going.
thats a great response .
battling for guardianship is a sure way to make some attorney and judge more wealthy and could result in a public guardian being appointed . ( more split with the attorney and judge ) ..
my sis went nuts when mom was put on hospice and was hoping for mom to put her in a house closer to moms house . what a misguided joke !! .
i just talked to mom and told her how defenseless she was against the parasitic loser and mom agreed . we added myself to the checking account and made a big show of me holding the check book . my mom had her checkbook also and her debit card but she played the game perfectly with me . the sis and niece had to be compensated by me for every week of their help . with that level of scrutiny they didnt dare try to milk mom out of additional cash .
some family members become necessary but they just come at a hell of a price . when i could no longer go to work i " required " a 15 dollar bag of tobacco every 60 days . my sis and niece could spend that much sitting at a stop light.
If, however, your brother has invoked his POA and DOES act for your father then one thing you can do is to tell your brother he needs to tell the bank that his father is deemed incompetent to manage his financial affairs. You may need a doctor's written diagnosis to do this - it depends on the bank. Once the bank has that information then he can also ask (although the banks should enact it straight away anyway) to cancel all his cards and chequebooks.
At this point I would also ask the brother to set up a separate bank account for his father and have the fathers current bank do two things transfer all funds to that account and continue to do that on a regular basis leaving a mere $50 perhaps in the account. I would also ask them to only consult with brother.
NOW next point if you and your brother are living there I am assuming you live rent free, not sure about board. I would expect if you are actually giving care to your father to expect to live there rent free and board free depending on the level of care you are giving. If however you are both working then the level of care will be lower and you should contribute to the food bills (but that is only MY opinion so feel free to ignore that)
Now on to the sister. If your father is incompetent then what she is doing (providing she knows he is incompetent although in the UK ignorance of the fact is no excuse) is financial abuse of a vulnerable adult. If you know about it - and you do - and do nothing then you too would be guilty of being complicit because you haven't reported it.
To rectify this, I would write a letter and make sure you have proof of her receipt of it explaining that your father is now deemed incompetent in terms of financial affairs so all money spent must be accounted for by receipts that , could if required, demonstrate TO THE COURTS that the money has been spent IN HIS BEST INTERESTS
The elder justice and prosecution department of the US department of Justice lays down advice for you and I have copied it below:
Financial exploitation crosses racial, ethnic, and economic lines. One of the worst abuses of an older person occurs when a trusted person, family member, caregiver, professional or smooth talker, steals an elder’s money or property, something also referred to as financial exploitation. This money or property is rarely returned, and the loss puts an elderly victim’s financial stability and peace of mind at risk.
Sometimes family members, caregivers, bank employees and financial advisers see an elderly person being financially exploited but don’t know what to do. For example, the bank teller wonders why Mrs. Smith, an older widow, is withdrawing money more often than usual; or why Mr. Jones’ new girlfriend always accompanies him to the bank; or why Mrs. Brown’s eldest daughter, who has power of attorney, wants to transfer her mother’s bank accounts to her name. If these elderly adults are being financially exploited, how can they be helped?
Here are three easy steps to reporting financial exploitation. Use our map to find your local resources.
Call Adult Protective Services.
Call the local police and the FBI. Don’t worry about the amount of money or property involved.
Call your Attorney General’s Office.
I find it appalling that she behaves in this way but let the process start and she will stop I am sure - .....or of course face prosecution - good on you for catching it so early
Celeste wrote about automatic deposit of his SS account into a new account with/POA brother is an excellent one. Do it immediately because it will take a couple month's to redirect the deposit to the new account.
If your father has access to a checking account, then his checks should be "lost" too. Hide them in a place when your sister would never look.
You probably can't cut your sister off directly. So discuss direct payment of her rent with your mother until someone obtains a guardianship.
You and your brothers need to get in charge of his money asap as quickly as possible.
As for new clothes, buy identical or nearly identical ones. Then tell your father that your washer destroy his shirts/pants and show him his new ones. Or you could wash his nearly identical clothes several times and then replace his old stuff with the new clothes. He could "lose"one of his shoes, so a trip to the shoe store or use Zappos to try on new shoes at home. Then return the extra pairs to Zappos or other online store.
Your brothers and you must get your act together, so you all act like each other when it comes to your father's money. Until you have the right legal documents, all of you must act and say consistent things to your sister. Cutting her off or reducing access to your father's funds will not be easy, but only you and brothers can do it.
Celeste's
But I hope that you, as his caregivers, and the CA brother as his POA, can reason with him or persuade him, or somehow manage to arrange things so this does not continue. guestshopadmin is right that this will not only keep him broke now, but will prevent him from getting Medicaid help should he ever need that.
It is his money and his choice ... but it is also his consequences which he may not fully understand. Even if you have to "trick" him a bit, I hope you can protect him from his generous gestures.
Your profile says that your dad has alzheimers but it does not say if he has been ruled incompetent. This would be the main way to stop him from spending in this way. But for now, if hes competent then technically he could flush his money down the toilet if he show chooses (that's a little extreme but I think you understand my meaning. his money, his choice.)
Angel