I am the one who started the “parents in crisis” thread and totally relate to feeling sad angry and guilty. How can we break the cycle with our own kids? I do not want to become estranged from my kid ever. I also do not want to live in complete denial and then burden her some day. At the same time, I am not rich and will not retire rich enough to be guaranteed a nice set up if I some day require memory care or other assisted living.
I have started thinking about long term care insurance but some of the comments here in this forum are making me wonder if it is actually worth the buy in or not. |
I have hired a financial planner and the first question I asked was about long term care insurance. Conventional wisdom is it’s a “bad deal” because statistically people only live 2-3 years in assisted living/memory care.
Well, that may be true but rarely does someone go from fully competent to needing memory care in my experience. Mostly there are YEARS of family members stepping in until at some point the needs become so high that they can’t stay at home. Or years of dangerous unsafe conditions… I’m looking at a One America policy with unlimited benefits. The daily rate isn’t super high but I took a hard look at my genetics and it’s not pretty. I can’t change what happens to me but I want to give my kids options. Not having options sucks. |
We have planned well for retirement, but I am still looking into death with dignity other places. It is so sad that the belief in this country is it is better to die a long awful death where you become a shadow of yourself and take advantage of others for years and years than it is to take charge of your own passing and do it peacefully, being able to properly say goodbye and plan.
After so many years of this hell with my mother dehumanizing and me with her entitled and nasty behavior, whatever love I had for her is gone. There were one too many tantrums, demands, manipulations combined with the complete lack of empathy when I had my own health crises and had to stop being her lackey. I had accepted years ago parenting was not her thing. I accepted that I grew up with someone with mental health challenges she refused to treat. I developed independence early. I accepted she had a superficial and gossipy side. I accepted so many things about my childhood and moved forward and was able to have relationship with her because I could see some of the good side now and then-just enough to keep me going. As she became more needy with age, those good things faded, and her dark side became much darker. What little she did for her own parents, was done when she had an empty nest. It was amazing to me how she felt so comfortable robbing her grandchildren of my time to get her own needs met. Then after I was the one doing so much to see she went back to the old dynamics of playing favorites and making me the bad one. OMG. My boundaries set off her wrath, but perhaps if I set them sooner I would not be at the point of wishing her well, but wanting absolutely nothing to do with her. I now only have memories of abusive behavior because so many years that is what I got. To the person who thinks it is no big deal driving someone to appointments, etc...assuming you live close and the person behaves and is gracious, it might not be a burden. If you are difficult and entitled try hiring people to do these things. See how much money you spend and how quickly they quit if you treat them as poorly as your offspring. |
I am totally with you on this one. After seeing what is going on with my parents, and my brother nearly have a nervous breakdown from the stress of the situation, I am 100% for death with dignity options. There is no way I am putting my child through this ever. |
It’s not like dealing with kids if they never planned when they could |
What happens when they don’t fall but they run out of money to pay taxes, etc. and the state takes their home? |
NP. Go away you evil F**ker. You troll this forum to go after people who are struggling. Tell me, are your hands down your pants right now? Does it make you feel superior? |
I have reported you and will continue to report you. You have a sick mind and need to go |
NP and agreed. I am now injured myself and can’t go this time. It was bound to happen. OP, you have every right to your anger and bitterness. |
You are correct OP. As someone who did the hard work for another relative, I am forever destroyed in so many ways. It’s been two years and I am now getting bits of my life back. You think you are doing the right thing, and when state/private agencies get a whiff of that compassion, they abuse it. They don’t care what happens to the caretakers and will drive them into the ground. The sad thing is that as the caretaker, you are naturally concerned about your relative so start jumping through the hoops. It took two male paramedics (of four who came in the middle of the night in an emergency) to pull me aside and set me straight. God bless those men! |
As someone who looks back and thinks I DID have a nervous breakdown but didn’t recognize it, I hope your brother is in a better place now. I let all three of my kids know that they are to NOT go through this with either of us. EVER |
I don’t fully agree with you. Even if people did die younger, their children also died younger. So some of the same sorts of problems. I grew up in my grandparents neighborhood and saw a lot. Sugar (aka diabetes 2) was a problem for back in the 60s/70s, even dementia though nothing that would be labeled Alzheimer’s yet or maybe not commonly heard. Also, the age gap tended to be smaller especially between oldest children and the parents. The older children especially daughters were quasi parents to younger siblings, younger siblings then often had care for the parents. What may be more common today is the prolonging/extension of the death process. It’s like we prefer to have zombie-like elderly to letting them die a more dignified death. I will say again that Dr Emmanuel (Rahm’s brother) has got it right. No major intervention for him after 75. That doesn’t mean he won’t have his vaccinations/flu shots etc but after 75 no cancer treatment for example. I just had a close relative due and I miss her. Would love to have had her a few more years but I’m glad in the end she didn’t have to suffer more than a couple weeks (cancer meds wreaked havoc on her when her cancer came back). I’m watchng another one in late 80s dealing with all sorts of health issues. It’s awful. Thank goodness he doesn’t want do anything at all costs because that the do anything will likely do more harm than good or will not return him to the same quality of life pre-procedure. And this is a person who was an early adopter of regular fitness routines at a gym (eg, in the 1960s). |