Reply to Luxury Assisted Living No Longer Worth It?

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[quote=Anonymous]My MIL who is a lovely woman was moved into a luxury assisted living facility by my BIL after my FIL died.  At first it seemed worth the cost as she made friends, enjoyed the outings, appreciated the dining room meals with groups of friends.

My BIL who had promised to cover the cost when she ran out of funds, eventually decided he could no longer cover supplementing her income, and asked us to contribute.

We have been paying $2K a month for her care for about a year now.  The BIL kicks in $3K.  MIL's pensions & Social Security add up to about $4K.  So her monthly expenses add up to about $9K a month.

Her 'rent' which includes food is about $6.5K

For the last 2 months, there have been numerous lock-downs where residents are to stay in their rooms, not even sure they can walk the grounds.  My MIL is lonely and really only sees the workers who deliver all meals to her room.  I am just not sure if this arrangement makes sense any more.  If there was an end is sight, maybe -- but I just don't see that happening anymore.

Her only DD lives 2 hours away and has periodically mentioned that it might make more sense for the mother to move in with her.  I doubt she really means it as she has complained about being the main care manager for her mom after what seem to be an annual medical crisis/fall.

Anyway, I am going to open up a conversation with my SIL about what she thinks.  She may be glad to have the $ go to her and her living arrangement (renting a bigger house?).  SIL has her own business which is no longer generating much income.

BIL we believe is still significantly wealthy.  My DH is still employed but took at 20% pay cut.  We have 25K liquid savings in the bank for 'emergencies'  His take home salary is 8K a month, so 2K is a significant expenditure.

We can't be the only ones who are wondering about the cost-benefit of MIL's luxury nursing home during the pandemic.  I just don't see the pandemic ending any time soon and am concerned about MIL's quality of life with minimal contact and about my ability to continue to pay for as much as we do.

DH is due to have heart surgery in 3 weeks so I am not going to discuss with him until he is several weeks into recovery.  In the meantime, I thought I would see what DCUM thinks about this.

Thanks. [/quote]

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