Reply to 69, zero assets, social security is not enough

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[quote=Anonymous][quote=Anonymous]OP here. I really don’t want to help her, and there’s no way I can help her without causing stress on my family and myself. I am a single mom about to put 2 kids through college and I don’t want to jeopardize that. I absolutely do not want her living with me. I am carefully planning for my own retirement. I had to overcome a lot to get where I am. My mom contributed greatly to my low self esteem and other issues that made things very hard for me and I really don’t feel love there as I do for other family members. I just need to prepare myself for having to say no when I am asked to contribute money or whatever.[/quote]

OK, yeah... you don't have any money to help her.  But what do your siblings think? Are they going to want to help her?

I'd be very clear with them that you cannot provide any financial help. But maybe would you be willing to at least do the research to help THEM find resources to help her?  I would at least offer to do that, just to keep your siblings off your back.

Basically - as your mom ages and needs more help, there won't be much available until she is in need of nursing home level care. At that point she can use Medicaid to pay for a room somewhere - it might not be that great. But at least on paper they will take care of her.

But until she needs nursing home level care, there won't be much help. You can help her look into any resources she'd qualify for. In some states and counties, there is help for low income seniors (under $20,000/year income)

Here are some resources in my county (PG County MD)
Senior Assisted Long Term care program
Senior Care in the Home
Senior Nutrition Program (Meals on Wheels)
Energy Assistance for Low Income

There's a MD renter's tax credit for elderly who have high rent.

https://dat.maryland.gov/realproperty/Pages/Renters'-Tax-Credits.aspx

If your mom's annual income is $20,000, and her rent is more than $423 a month, in MD, she could qualify...

Stuff like that.  Look it up for your state and county and see what you can find. It might be better for her to move to a state or county that provides more help for the elderly, as well.[/quote]

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