How many caregivers are keeping their spouses at home until the nightmare ends?
Comments
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Thanks, Michele. Fortunately I do live in Florida.
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I live in Florida too. Wondering if you have any experience with "Spousal Refusal"?
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Just getting started next week. Going to initial consult alone while son stays with his Dad. Good question for me to ask - thanks!
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In FL also. I would also like to know about Spousal Refusal. I understand only a handful of states allow this.
I was trying to get in to see a CELA lawyer this week but they cancelled on me. I’ll keep trying.1 -
Abby627
I did keep my DH at home until his passing 2 weeks ago. Its hard when you feel like youre losing your sanity, but I found fitness boxing relieved the stress that made me feel my sanity was going. If you have something you enjoy that relieves your stress go to that when the you feel like you need sanity. I down sized as my DH's alzheimers progressed and it made it so much easier for me as he got closer to the end and also after he passed. I didnt want to hold on to all of his things as I've seen others do in our family. Im not erasing his memory from my life or home as I did keep 3 articals of his clothing and the car collection he had...just didnt keep the collection all on the shelves. You're doing amazing and dont be hard on yourself.
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I am in a similar situation as you are. I am also planning to keep my DH at home, as we do not qualify for Medicaid for the same reasons as you do. We do not own a home but are renters and cannot plan ahead our finances since our rent payments increase every year as are other expenses such as healthcare premiums and out of pocket co-pays for prescription. It also worries me that some meds that are covered by medicare right now, might not be covered in the future as the government keeps making cuts and healthcare insurance also stop covering certain meds. The small amount of money we saved will disappear fast. It is very stressful! My DH is 73 and I am 70.
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My husband is in a later stage of mixed dementia. Yes he will be at home as long as I can keep him here. I am getting used to cleaning up poop and pee and am used to not getting much sleep and being screamed at and called names. If I won the lottery or came into a Lot of money I would probably send him to memory care.
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Please let me know what your CELA says about this (Sunfish47 too). We are a childless couple and have separate finances…my atty has advised using his funds for private pay if he ever needs placement and when he has exhausted them she will file for medicaid for him and file a spousal refusal letter for me to protect my assets. Sounds like a simple plan?
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I have an appointment with a CELA this week also. I will share the advice for those interested. Our initial appointment I went alone so we could talk freely. I had been focusing on getting my DH social security disability but that payment would be too high for him to qualify for Medicaid down the road so it might make more sense to just take the lower payment for early retirement. We are trying to set things up so down the road when I need help I can get him on Medicaid. I will report back
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can I ask what the CELA had to say about your situation?
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yes! I don’t have a specific plan at the moment but we talked about doing an irrevocable trust for a couple reasons. My DH is still working and fighting against giving up driving so this type of trust protects me from his stubborn behavior. It also protects assets from being considered for Medicaid coverage. The Medicaid coverage would have to wait 5 years due to the look back period but I didn’t think that would even be an option. There is another process that I am not as familiar with but we are planning to transfer the bulk of his 401k to me so it can’t be used for Medicaid eligibility should I need it for help down the road. He was also very encouraging to report DH to DMV for an evaluation.
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Commonly Used Abbreviations
DH = Dear Husband
DW= Dear Wife, Darling Wife
LO = Loved One
ES = Early Stage
EO = Early Onset
FTD = Frontotemporal Dementia
VD = Vascular Dementia
MC = Memory Care
AL = Assisted Living
POA = Power of Attorney
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