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Old 11-15-2011, 11:24 AM
 
28,266 posts, read 39,934,162 times
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Quote:
Originally Posted by newenglandgirl View Post
That does it. I'm turning my house into a nursing home, converting the garage for bunk beds (the spryest seniors get the top bunks ). We'll just hire a cook and a per diem nurse to come by for a group check. We'll ship our laundry home to our family members and hire a van to take us places. I'll only charge $1000/month, less if we have more of us.
A good place to start is Iowa. Our illustrious gov has slashed the parts of government that inspect these places. We expect to find a lot of abused and dead residents.
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Old 11-15-2011, 11:33 AM
 
701 posts, read 1,532,921 times
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Quote:
Originally Posted by newenglandgirl View Post
That does it. I'm turning my house into a nursing home, converting the garage for bunk beds (the spryest seniors get the top bunks ). We'll just hire a cook and a per diem nurse to come by for a group check. We'll ship our laundry home to our family members and hire a van to take us places. I'll only charge $1000/month, less if we have more of us.
Not a bad idea Newenglandgirl! Build a fence and take in those lost in the land of dementia.

Pooling resources may well be the way to go.
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Old 11-15-2011, 11:44 AM
 
701 posts, read 1,532,921 times
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By the way, until recently I assumed that Medicaid would automatically kick in to pick up the tab for long-term care once you ran through your own resources.

Not so. For those who don't qualify for Skill Nursing Care (need I.V.s, assistance with transferring... lost in the ozone does not count as needing Skilled Nursing Care) but still can no longer live on their own, supportive living facilities, memory care units, can be just the ticket.

However, Medicaid only covers the cost if your monthly income is below about $1500/month or so. It varies by state, but not by much. So If your pension and SS comes to $1800/month and you don't need a skilled nursing facility but cannot live on your own (can't keep meds/meals straight, etc.) you are $#!& out of luck as there are few memory care units that charge under $3000/month. Many are in the $4000 +range.
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Old 11-15-2011, 11:47 AM
 
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Does searching for Affordable Places to Grow Old only include the early part of growing old? What about the later part for those of us unlucky enough not to be able to live independently until we drop dead in our tea? Where do we go to grow old?
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Old 11-15-2011, 01:20 PM
 
Location: Near a river
16,042 posts, read 18,994,426 times
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Quote:
Originally Posted by PatRoy1 View Post
Does searching for Affordable Places to Grow Old only include the early part of growing old? What about the later part for those of us unlucky enough not to be able to live independently until we drop dead in our tea? Where do we go to grow old?
That is the point of this thread--to ponder where we want to grow old, be old, be even older. Some of us know we will not be able to afford "assisted living," so we are making the best informed choices we can so that we're taken care of till we eat our last crumpet (with tea).
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Old 11-15-2011, 05:53 PM
 
Location: Baltimore, MD
3,745 posts, read 4,222,880 times
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Quote:
Originally Posted by PatRoy1 View Post
By the way, until recently I assumed that Medicaid would automatically kick in to pick up the tab for long-term care once you ran through your own resources.

Not so. For those who don't qualify for Skill Nursing Care (need I.V.s, assistance with transferring... lost in the ozone does not count as needing Skilled Nursing Care) but still can no longer live on their own, supportive living facilities, memory care units, can be just the ticket.

However, Medicaid only covers the cost if your monthly income is below about $1500/month or so. It varies by state, but not by much. So If your pension and SS comes to $1800/month and you don't need a skilled nursing facility but cannot live on your own (can't keep meds/meals straight, etc.) you are $#!& out of luck as there are few memory care units that charge under $3000/month. Many are in the $4000 +range.
In Maryland, one can be "lost in the ozone" and qualify for "nursing facility services." Those services can be provided either in a nursing facility or outside a facility, such as in one's home. An applicant can qualify without needing "skilled nursing care."
http://www.msba.org/sec_comm/section...smittal213.pdf

BTW, this change in policy was the result of an appellate decision, based on state law. http://www.courts.state.md.us/opinio...07/1572s06.pdf

I wonder how many other states, if any, provide a similar level of support. (I don't believe this level of support will continue, mind you, but this is our current policy.)
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Old 11-15-2011, 06:08 PM
 
Location: Near a river
16,042 posts, read 18,994,426 times
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Quote:
Originally Posted by PatRoy1 View Post
However, Medicaid only covers the cost if your monthly income is below about $1500/month or so. It varies by state, but not by much. So If your pension and SS comes to $1800/month and you don't need a skilled nursing facility but cannot live on your own (can't keep meds/meals straight, etc.) you are $#!& out of luck as there are few memory care units that charge under $3000/month. Many are in the $4000 +range.
Those of us with dementia will have to get together on the White House lawn and Occupy. If we can remember what we're there for.

On a serious note, really...this situation is a disaster waiting to wash over us. The prices you quote are today's prices, what will they be in 5 or 10 years????
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Old 11-15-2011, 07:29 PM
mlb
 
Location: North Monterey County
3,194 posts, read 2,862,863 times
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Nah - my mom is in assisted living in Wisconsin - $5500 a month. My sister's mother in law is in assisted living in California - $6500 a month. They both liquidated all their assets to pay for this.

It won't be there for us when we're old - or if it is - it will be completely unaffordable. Corporate Healthcare - strikes again.

My siblings and I - we have lots of connections and friends who are in nursing - have thought about living together and hiring nursing help. We know what the criteria would need to be - and we'd pay well.

Seriously, tho - I have inlaws who are living by themselves in a ritzy condo in LA. Dadinlaw is 89 - Mominlaw is 90. Dadinlaw is a survivor of cancer, stroke and he's currently declining with "kidney disease" - but guess what? He STILL DRIVES. He desperately needs medication management. Doc put him on a patch to control blood pressure because he couldn't remember to take his pills. He went home and put ALL THREE PATCHES ON. And yes, his pressure dropped to almost nothing. There probably was an ambulance ride to the ER - they won't tell us about.

We are talking to his doctor - (in California docs MUST report to the DMV if a patient has cognitive difficulties or disease that would prevent them from driving - like FAINTING IN FREEWAY TRAFFIC).... to help us pull his license....and possibly move to assistive living. But Mominlaw won't hear of it.

All they do is tell us to BUTT OUT.

We're 700 miles away - and can be there within a couple hours (flight).... but clearly this is an accident waiting to happen.
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Old 11-16-2011, 05:04 AM
 
Location: SW MO
23,605 posts, read 31,510,101 times
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Default Long-Term Care Planning

You will rarely hear this: "When I retire, Mom and I are going to buy that big RV, travel around the country, visit all the children and grandchildren AND THEN I'M GOING TO A NURSING HOME"

What you're more likely to hear is: "If they ever try to put me in THE HOME, I'm going to get my pistol, go out to the peach orchard and BLOW MY BRAINS OUT!"

Now THAT's long-term care planning but it's dependent upon a few things: 1) when the time comes you can find the pistol; 2) you can actually ambulate out to the peach orchard; and, 3) once you're there you remember why!

As Robert Burns famously wrote, “Best laid plans o' mice an' men gang aft agley.”
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Old 11-16-2011, 06:29 AM
 
9,216 posts, read 9,289,216 times
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Quote:
You will rarely hear this: "When I retire, Mom and I are going to buy that big RV, travel around the country, visit all the children and grandchildren AND THEN I'M GOING TO A NURSING HOME"

What you're more likely to hear is: "If they ever try to put me in THE HOME, I'm going to get my pistol, go out to the peach orchard and BLOW MY BRAINS OUT!"

Now THAT's long-term care planning but it's dependent upon a few things: 1) when the time comes you can find the pistol; 2) you can actually ambulate out to the peach orchard; and, 3) once you're there you remember why!

As Robert Burns famously wrote, “Best laid plans o' mice an' men gang aft agley.
I have to admit I have some predilection towards the kind of "long term planning" you're describing. If more people would do it, it would go some distance towards solving many of these issues. There are other reasons besides the ones you named though why people don't do it:

1. It takes a certain amount of "sand" or "guts" to go that route. Many people talk about it and think about it. The actual number that are willing when the chips are down to raise that pistol are far and few between. I know some very rational people in my family who had a good mind until the day they died. In the past, they had spoken about taking their own lives. Not one did it when the chips were down.

2. It leaves a mess someone has to clean up.

3. It flies in the face of most religious values.

4. They worry what effect this will have on the family they leave behind.

5. Besides having a mind that is shot, by the time many people get to the point where they would seriously consider this option, they are too physically weak to do what has to be done to carry it out.

Some day, assisted suicide may be more of an option than it is today. However, we aren't there yet. Long term care is expensive and a terrible dilemma for many.
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