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[quote=Anonymous]Best use of your money is to gather all financial info and documents (ltc) and see an elder card attorney now.

Cheapest in place with ltc covered visiting care or for your dad additional hourly help. But not always practical.

Our experience : age 80 after a fall and start of dementia symptoms: mom stayed at her home with caregivers 4-8 hrs a day 5 days a week. She probably would have been ok with 4 but she liked the company. Ran about 5k/mo.

2022-2024: she decided to move near me, because needs increased and she could no longer drive, not maintaining house and had made some devastating financial mistakes. Started with mostly independent AL and moved up to more assistance. 6k to start and around 7500 at end of two years with increased care and regular price increases.

2025 on- fast decline at end of last year prompted move to memory care. Initially was 8700 but not good care (in same facility as her AL) so moved to much better one, 11k month. Also still paying her Medicare and supplement so around 12k month. She lived in MC for 11 months.

All OOP because she had dropped her LTC policy in 2019-2020 because of dementia and not paying bills) so ensure your mom’s policy keeps getting paid. [/quote]

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