My mom has Alzheimer’s dementia. She requires 24 hours of supervised care because she wakes at all times of night due to insomnia due to Alzheimer’s. Her care costs almost $40/hr- almost $3000 a week. I have taken all of the money out of my 401k, maxed out my credit cards and even my children’s college fund. Now my 18 year old son is ready for college and we can’t afford it. My brother has done the same thing for our mom. We are both working and having to put all our paycheck into paying her care bill. We promised we would not put her in a nursing home but we can’t afford that anyway. My dad died unexpectedly in his sleep and he was her caregiver. He left her $145,000 in insurance and that was used solely for her care and was gone after a year. We are in the application process for Medicaid to pay for her care but she has a difficult case and we must pay out of pocket while this process continues. My mom is in the middle class trap; too much money to be federally poor but not enough money to pay for her care. As a result, we have to establish what is called a state pooled plan trust to enable her to qualify for Medicaid. Her Medicaid application was over 300 pages of required documents and her caseworker said the earliest this process could be completed was the end of September 2023. We have been working on getting her approved for aid since the end of 2022!
My mom retired early from Southern New England Telephone Company to open her home day care center. She and my dad opened a school together. They loved children and helping people. They opened a church and were pillars of the community providing support to many. Now my dad is gone and my mother has advanced Alzheimer’s dementia. We love her and want to honor our promise to her that we would allow her to remain in her home. When she got the diagnosis, she was terrified of being placed in a nursing home, because her siblings had placed her mother in a nursing home, and the outcome was not pleasant. We promised her we would not do that to her, and we are trying to keep that promise we have tapped into every financial resource we have we have exhausted all of our own funds in order to keep that promise. We don’t know how to make it for three more months and are asking for any assistance. We have placed our PayPal link at the bottom, but if you would like to pay directly to her home care agency, that information is in the picture.
Thank you in advance for your assistance. We believe that you will receive a return on your giving as we are firm believers that God, karma, life or whatever higher power you subscribe to will reward your kind acts.