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Old 02-26-2017, 12:28 PM
 
Location: USA
6,229 posts, read 5,373,707 times
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Quote:
Originally Posted by yellowsnow View Post
I learned you are better off with not much than you are with just a bit more! My SO's cousin moved here and his total income is right at 1K per month. He lives in subsidized housing, he pays 30% and all his bills are paid. He gets SNAP and all the food banks are open to him. His phone is free. He has Medicaid and they pay his Medicare premium. Everything health related is free. He even has transportation to appointments. So he ends up with money left over because he pays very little for anything.

He is in a better situation than a senior in the exact same position who makes $1500 per month. He gets everything free or discounted. The other person gets nothing. And after they pay market price for an apartment and utilities, they have less spending money than the poor person who gets all the help.
This. It's getting to the point where being poor isn't so bad. I know a guy who works for $9 an hour at Walmart, He gets section 8, food stamps, medicaid, food from the food bank, Obama phone, etc. The money he makes at Walmart goes to buying weed and other luxuries. The middle class person has to pay for all their own stuff as well as others.
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Old 02-26-2017, 12:32 PM
 
2,846 posts, read 899,210 times
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Quote:
Originally Posted by NY Steve View Post
They will go on public assistance and WE will all pay for them.

Or, they can go back to work, like most of us older folks. Some do it for money, some do it to feel important again.
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Old 02-26-2017, 12:39 PM
 
13,991 posts, read 7,458,129 times
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Quote:
Originally Posted by jasperhobbs View Post
What is ALF?
An old people warehouse designed to extract their life savings.

Assisted Living Facility. 24x7 nursing staff. Studio, 1 bedroom, and 2 bedroom apartments. Community dining in a restaurant facility. Activities. A small army of staff to do housekeeping, medication management, delivering trays to apartments, assist with bathing, assist with dressing, pushing around wheelchairs, incontinence management, etc.
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Old 02-26-2017, 12:48 PM
 
13,991 posts, read 7,458,129 times
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Quote:
Originally Posted by s1alker View Post
This. It's getting to the point where being poor isn't so bad. I know a guy who works for $9 an hour at Walmart, He gets section 8, food stamps, medicaid, food from the food bank, Obama phone, etc. The money he makes at Walmart goes to buying weed and other luxuries. The middle class person has to pay for all their own stuff as well as others.

Project out 10 years. Section 8 housing and the like is going to have a decades-long waiting list. Congress is already lining up to gut Medicaid, SNAP, and the rest of the safety net. If you're merely poor, you're unlikely to get much. The people who go to the top of the list are children and the disabled. The same is likely going to be true for retirees. Elderly subsidized housing isn't being built fast enough to keep up with the aging Boomers. Many of them won't be able to work so even a Walmart job isn't possible. The "it's not so bad" of 2017 isn't likely the deal most people will see a decade from now. In many red states, it's already like that. Look at what Medicaid actually covers in Alabama. About $3,000 per year of inpatient coverage. That's not even 1 day in a hospital. If you're poor and you get sick, you die. Ditto Section 8.
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Old 02-26-2017, 12:59 PM
 
Location: Georgia
4,562 posts, read 4,106,337 times
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My husband and I are in our early 60's, and realize that retirement is not in the cards for us for a long time. We are not planning to start withdrawing SS until we are 70, to maximize the payout. We are healthy, active, and are in careers that do not kick you out the door at 65. :-), almost have our house paid off, and have been socking aside 30-40% of our earnings for the last five years to build up the retirement fund.

My mother receives a good pension and SS, and could easily afford a very nice assisted living situation, but refuses -- yet her memory issues, unsteadiness in walking and lack of exercise and healthy eating are a constant issue. We have caregivers regularly, but it doesn't solve the problem of a house that isn't ideally conducive to her mobility issues. She also fibs about her eating -- either she's fibbing or she simply forgets that she doesn't eat, I'm not sure which. She has become very self-involved, and puts her comfort and convenience as an overriding priority, and her demands on my brother -- who lives 10 minutes away and is VERY attentive, coming over every day, doing her yard work, grocery shopping, coordinating her medical appointments and caregivers -- are taking a toll (he gets up every day at 3:30 am to get to work at 5 am so he can be free after 2 pm in the afternoon to help her.) I live 600 miles away, and I already work 50-60 hours a week. He flies her down to my home about once every six weeks or so for a week or 10 days to give him a chance to take care of his family, and she becomes irritated with me for "not taking time off" when she visits, even though I rearrange my schedule to be there when my husband isn't to make sure she is attended at all times. Not many of us can afford a 10 day vacation every six weeks, y'know? This has been going on for over a year, and she sees no reason why we can't continue "taking care of her" forever. She doesn't understand that the assisted living facility we are suggesting would give her a degree of freedom she doesn't have now, in terms of socializing and activities and care, as well as take the pressure and worry off her children who are constantly worried and thinking about her safety. Does that make us selfish? I don't know. All I know is that my own memory issues were starting to frighten me -- I was forgetting words and other things, as well as insomnia -- and my doctor said there were no signs of Alzheimers or dementia,but that the stress was starting to get to me, and I needed to make some changes. Great . . .
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Old 02-26-2017, 01:17 PM
 
Location: Los Angeles area
14,018 posts, read 17,765,919 times
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^^^^^ You and your brother are in a difficult situation, Dblackga, to put it mildly. You two are allowing your mother's stubborness to make your lives a living hell. Isn't it time for the two of you to sit her down and read the riot act? A backbone is a wonderful thing.

This is especially sad because your mother has the money to afford assisted living! Many people do not.
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Old 02-26-2017, 01:49 PM
 
Location: Northern panhandle WV
3,007 posts, read 2,178,706 times
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Quote:
Originally Posted by matisse12 View Post
As for going on public assistance, there are no specialized monthly 'welfare' payments of money available for the able-bodied or for seniors in the U.S. There are types of non-monetary help that Escort Rider lists at post #3, but no monthly 'welfare' payments of money that the able-bodied or seniors could live on. The types of assistance at post #3 are more peripheral, and not actual money to live on.

So I don't think saying "they will just go on public assistance" is accurate at all nor holds water. There are no 'welfare' or public assistance monthly payments of money for seniors without money, unless disabled.

Not related to help for seniors, some low income mothers (and low-income fathers) get payments for their children (not adult children) which is actually a type of welfare.

There are also monthly payments for some disabled people. But it's not like just any person of any age can apply for these disability payments and start receiving them; there are restrictions, degree of disability, etc.

Lots of people do live solely or almost solely on their Social Security monthly payments. Which is what seniors who run out of money would do (if receiving Social Security).
SSI which is welfare is for people of very low or no income that are 65 or older or anyone who is disabled.''
So yes you have to qualify for them but funds are available. My 7 year old grandson recieves SSI. He is Autistic. and as I said over 65 you don't need to be disabled, Just poor enough, nor does it depend at all on your work history.
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Old 02-26-2017, 01:54 PM
 
13,991 posts, read 7,458,129 times
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Quote:
Originally Posted by Escort Rider View Post
^^^^^ You and your brother are in a difficult situation, Dblackga, to put it mildly. You two are allowing your mother's stubborness to make your lives a living hell. Isn't it time for the two of you to sit her down and read the riot act? A backbone is a wonderful thing.

This is especially sad because your mother has the money to afford assisted living! Many people do not.
I ran through a similar story except my stepfather had a health event, the house was going to go, so there was no choice but to move my mom to an assisted living facility. 20 months later, everything is on autopilot but the transition was, err, challenging. When you have dementia, you're a slave to your routine. If you disrupt the routine, it takes many months to settle into a new one.

An 80-something with dementia isn't safe by themselves. If they refuse to go, you kind of have no choice but to go the legal guardian route. When my stepbrother was dealing with it with my stepfather, it was a physician's assessment form saying they're not mentally competent and an appearance at probate court. The town/county social worker can certainly talk you through your local state law. They deal with it constantly and it's a huge mess when there aren't engaged children.
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Old 02-26-2017, 02:05 PM
 
13,991 posts, read 7,458,129 times
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Quote:
Originally Posted by arwenmark View Post
SSI which is welfare is for people of very low or no income that are 65 or older or anyone who is disabled.''
So yes you have to qualify for them but funds are available. My 7 year old grandson recieves SSI. He is Autistic. and as I said over 65 you don't need to be disabled, Just poor enough, nor does it depend at all on your work history.
Yep, but SSI maxes out at $8,830.84 per year and only tops you up to poverty level.
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Old 02-26-2017, 02:15 PM
 
2,446 posts, read 2,079,049 times
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Quote:
Originally Posted by GeoffD View Post
Yep, but SSI maxes out at $8,830.84 per year and only tops you up to poverty level.
I think it is more than that if I am reading my SS statement correctly. It says if I were to become disabled, I would receive $1,400 or so a month.
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