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[quote=Anonymous]
I forgot to add in a prior post about us looking at options for two sisters supporting their younger sister in the future as we are unable to do so, there are Some other points to consider:

- See if the agency which may be providing just Case Management or Adult Day Program services at this point to a family member is able to become the Guardian or the Representative Payee.  If the agency is or will be providing direct support to one living in a supported housing manner or a group home, then at least being the representative payee might make sense.  In some communities such agencies to take on some specific services for an individual with a disability might be the local mental health agency serving adults, the local developmental disabilities agency serving adults, The Arc etc.

- There are also independent agencies such as IKOR nationally which can serve in various capacities for any person with life care issues that at least in our areas has a strong reputation. I had heard a local presentation and then found it was a national group.  Of course, you always need to do careful research on who is running a local program.  It is an option that one could begin with specific services as needed and then add to if confidence is built or simply have as a resource in a crisis. Welcome to IKOR – Life Care Management Solutions. Since 2016 we have been providing life care management solutions to seniors and individuals with disabilities. Together through a holistic, interdisciplinary team of Registered Nurse Advocates, Client Care Specialists and other professionals, we are the central point of contact our clients turn to for managing their medical and non-medical life care needs. By promoting independence, safety and wellness, our goal is always to improve the overall quality of life for our clients.  This or similar agency could serve the interest of a person with a specific disability of any age or any person as they age and need support.

- For families of younger children and teens, it is important to consider having a will and guardianship plan in place for all children under 18.  Then the next critical juncture is what do you do when your oldest is 18 and could technically become responsible for younger siblings.  We had things set up with levels of estate executor, guardians, POA and Health Care directives for several years as out two older girls went to college/grad school, started careers, married and had young families.  Now with them in early 40s, we are looking realistically that they are established and willing to support their sibling in the future.  However, the question remains who would be best suited to serve in which role?  What can we do to make any transition now while we are still in good health and fully capable to reduce the burden when things are not so??

- For us we happen to get LTC insurance 20 years ago, so we have very generous plan options for ourselves.  BUT the catch is beyond using it to cover in-home care or adult day care programs, we can't look move to a CCRC while we are still very active or doing so if one needed Assisted Living or Memory Care and the other wanted to be in same complex because a disabled adult child could not go in most cases until age 62, though in some cases 55.  The reality is that most adults with a developmental disability who need some level of daily supervision or support do live with their parents or a family member.  So, while friends in our age range are able to look at aging options based upon their lifestyle, health issues and finances to reduce the impact on their adult children, we do not have this flexibility in planning.

- [b]For younger families, if you have a son or daughter, who will need the adult services funding of what is called a Medicaid Waiver, while your adult child might qualify as public education ends, it is important to understand that you may have mobility in retirement, but your adult child with a disability will not as a Medicaid Waiver is not portable between states.[/b]

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