What?? |
I'm PP, and maybe it's not an option. I personally don't know the rules for qualifying for Medicare and Medicaid for an elderly person who is now a resident of another's home. Threw it out there for OP to look at, in the event it has potential. |
OP, the step between family care and a nursing home is in-home care (a certified nursing assistant, also called "unskilled care"). The truly rich often pile on the in-home care and skip the nursing home route altogether. In-home care serves a dual purpose: it helps the elderly person and it gives the family caregiver a break from what is otherwise grueling, emotionally and physically depleting work. The caregiver claws back some of his/her life and also becomes renewed enough to do a better job caregiving. When planning or talking with people caring for elderly family members (your SIL for example), I would suggest you not skip ahead to what might be 2-3 steps ahead of the present, as you're doing. Even in families from cultures who are more open to nursing homes, the caregiver is so caught up in the day-to-day work that s/he can't see ahead one day or week, let alone a month or a year. Plus the caregiver has a better idea of the obstacles than you do. Even in-home care comes with a price beyond the financial cost; it's a contractor to manage, it's an invasion in privacy. Has any doctor in contact with your MIL expressed a professional opinion about your MIL's current quality/level of care? You told us your observations, assessment and conclusion. What are your wife's? |
What if the child is physically incapable of lifting the parent? What if the child is so burned out from around-the-clock caregiving that her level of social, emotional, medical or physical care is inadequate for the parent? Could "take care of them" be expanded to managing care that is performed in some cases by others, and if so, how is it done? |
Medicare (the one through social security) only pays for short term care after a qualifying hospital stay. If your loved one needs to be hospitalized, it is the easiest way to get into a nursing home as medicare pay rates are one of the highest. Some counties have a program for limited home care. We applied in MC and went to aging and disability and it was a joke. We had one nurse who tried to be helpful but most were not. They are supposed to pay for adult day care or an in=home aide and we could never figure out the programs. (in home was hard as we have a tiny house) Long term care medicaid for nursing homes is a separate program. |
We did it! It was not easy as you have to find a facility that will take medicaid pending or private pay till it comes through. We did it without a qualified hospital stay. It was very difficult but its doable. There are two types of medicaid. Regular medicaid which is income based (and very low in Maryland - at $1000 a month my MIL did not qualify) and long term care medicaid. Its not about your kids abandoning them. Actually you fair better with a family member involved due to all the paperwork. |