Reply to Too tired to care for my mom, who wants to live onto her mid 90’s…

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I have a 78yo father who wants to live for another 20. I am 47 and I am not sure I can care for him that long. He is relatively healthy so far but I will be aging as will he! Oh well.
My plan is to have in home support for him - I will be his caregiver and will be paid for it as he has no money.[b] NY and CA are the places to be if you don’t have assets to your name. [/quote][/b]

Can you say more about this? I’m in NY and would like to move my mother closer to me but assumed it would be prohibitively expensive.[/quote]

I don’t know any details about NY (I am in CA) but basically you treat your mom as her own household, get her an income restricted apartment (not section 8 but just lower cost) if at all possible. If she doesn’t have many assets and her income is under a certain limit she can get in home support from the state. She gets hours and you are licensed as a caregiver and provide support, or you hire someone else to do it. 
Many Americans aren’t eligible because they have IRA and 401k distributions and high SSA benefits but many foreign born parents who came via family migration are, as they don’t have anything saved. [/quote]

Forgot to add that for the purposes of applying for housing or in home support your mom is on her own income only (even if she lives with you as you aren’t legally obligated to support another adult) and if that income is not enough then you are formally her sponsor (you give her X amount per month). 
But she needs to not have too much income from her distributions! [/quote]

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