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Did I do the right thing?

lzerbe
lzerbe Member Posts: 28
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There was a notice in the mail that my LO would have to take a driver's exam in order to continue to hold her driver's license. In the report it stated quite clearly this is a result of her Alzheimer's diagnosis. My LO is in total denial, and any mention of Alzheimer's can become a trigger for agitated and aggressive behavior. I shredded the report didn't even show her. I guess I just need to know that I've done the right thing. Makes me feel very stressed.

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  • Snipe
    Snipe Member Posts: 38
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    You did the right thing.

  • lzerbe
    lzerbe Member Posts: 28
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  • blacksparky
    blacksparky Member Posts: 424
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    Unfortunately we all have had to make those hard decisions regarding our PWD to keep them safe and to protect our finances.

  • Russinator
    Russinator Member Posts: 381
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    Yes, you did the right thing.

  • beachwalker5
    beachwalker5 Member Posts: 34
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    YES

  • ChettheJet1
    ChettheJet1 Member Posts: 1
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    Hi. My wife was just diagnosed. I am her caregiver. I am torn about sharing diagnosis with her. She may be in denial. Neurologist said he believes in bringing honest. Thoughts?

  • harshedbuzz
    harshedbuzz Member Posts: 6,936
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    @lzerbe

    Your wife likely has anosognosia which is a condition related to dementia wherein the individual in unable to recognize the changes in their cognition and thinking. In their mind, they're as capable as they've always been. This is not denial.

    I wouldn't remind her of her Alzheimer's. That said, I would never shred a paper trail.

    If she's not driving it doesn't really matter one way or the other. Dad's auto policy was void as soon as he was diagnosed/driving AMA. His license was from another state, and we continued to use it for ID as needed. In many places, when a drivers license is no longer valid, it is replaced with a state-issued photo ID. You may need to do that.

    HB

  • H1235
    H1235 Member Posts: 2,339
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    edited June 10

    Welcome. In my opinion- tell her one time and go from there. If she gets angry and denies symptoms, drop it and NEVER bring it up again. Anosognosia is common with dementia. There is often no amount of logic, reasoning or even medical evidence that will convince them something is wrong. Trying to get her to understand and accept will probably cause her to argue. Trying to explain will lead to an argument and you will always lose. If she accepts the diagnosis and wants more information, great, provide it. Keep in mind even if she accepts the diagnosis today, down the road she may not. Mom accepted her diagnosis and wanted more information (although she believed she was in the very very early stages). After about a year she told me the doctor made a mistake and they didn’t know what they were talking about. I would not put much stock in a neurologist that tells you to be honest with a person with dementia. Look up therapeutic fib. I will add a couple of resources.



    https://iona.org/therapeutic-fibs-ok/

  • Maru
    Maru Member Posts: 544
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    Definitely yes. It is your responsibility to keep your LO safe now, and she probably needs to stop driving. Insurance may not cover an accident if it is known that she has ALZ or any other form of dementia.

  • BPS
    BPS Member Posts: 543
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    I agree that it depends, because if your LO is not driving than there is no reason to bring it up, but if they are the notice would take the blame off you to get them to stop driving. My wife gave up driving easily but our insurance company was going to cancel our insurance because she was still licensed to driver I had to take her down and have her license revoked and get her a state ID card.

  • persevere
    persevere Member Posts: 350
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    Yeah, if she’s not driving then no big deal, however you do want her to have some valid form of identification if you’re still traveling or have other things still going on. Eventually you will need full power of attorney.

  • JDancer
    JDancer Member Posts: 613
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    Letting a PWD drive is never the right thing.

  • Barbie300
    Barbie300 Member Posts: 68
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    How did the insurance company find out a person has dementia? My DH still drives but only when I am with him and only for short distances. He seems to do ok but may get lost if alone, which he never is. He can’t understand why having dementia would prevent him from driving. But my original question is how would the insurance company know a person has dementia bc medical records are confidential?

  • BPS
    BPS Member Posts: 543
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    In my case I rode with my wife often and thought she was doing good. I just never thought about all the problems dementia causes related to driving. I didn't realize it but it had affected her depth perception and her field of vision had been reduced. It seemed like she was driving fine but with the unnoticed effects on her vision and her judgment she had two small accidents within several months. The insurance canceled us and we had to have her license revoked for me to be able to get insurance. Luckily her accidents were very minor but they could have been much worse. Even if you are taking safe guards by only driving close to home or with someone else it is not worth it. My wife still seemed fine but several months after that I realized that if the accidents were any bigger where the police would have been called they would be able to tell she was impaired because during the stressful time of an accident it showed up more. It really is not worth the risk to them or others.

  • Chance Rider
    Chance Rider Member Posts: 390
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    I live in California and doctors are mandated to report. Here’s an excerpt of how it transpires:

    “California’s Health & Safety Code [Section 103900] requires physicians to submit a confidential report to the county health department when an individual is diagnosed as having Alzheimer’s disease or related disorders, including dementia, severe enough to impair a person’s ability to operate a motor vehicle. This information is forwarded to the Department of Motor Vehicles (DMV), which is authorized to take action against the driving privileges of any individual who is unable to safely operate a motor vehicle.“

    In our case I chose to take my husband to DMV to surrender his license in exchange for a new state ID card, then removed him from insurance. I didn’t wait for notification.

  • harshedbuzz
    harshedbuzz Member Posts: 6,936
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    @Barbie300

    Your policy may require you to notify them as part of the contract. It likely also includes a clause relating to driving AMA.

    Assuming you didn't notify them and there was a lawsuit, attorneys for either or both sides could subpoena relevant medical records in a lawsuit. If your DH is impaired enough that you don't let him drive alone, it's likely his cognitive incapacity would be obvious during a deposition.

    I went through a lawsuit with my own mom who does not have dementia but has some vision issues. When this eye condition was diagnosed, I pointedly asked about driving and was assured she'd be OK to drive. One caveat about the process is that a lawsuit takes time and in the context of a defendant with a progressive neurological disease, time will not be on your side. My mom wasn't actually sued for about 6 months (April-October); she met with the insurance company's attorney 4 months (February) after that. and was disposed 2 (April— one year after the accident) months later. There were a few rounds of settlements offered that took another 4 months (August). After the last of those was rejected, a court date was scheduled for the following February and then postponed until May. They did eventually settle out-of-court. But it hung over our heads for over 2 years which was awful. While mom's cognition remained OK, physically she looked much older and frailer than they woman she was at the time of the accident.

    If you are DH's POA in this situation, you could be held liable for damages as well.

    HB

  • Quilting brings calm
    Quilting brings calm Member Posts: 3,273
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    —How did the insurance company find out a person has dementia?—

    Should an impaired person have contact with a police officer during a traffic stop or accident and the police officer recognize an issue…. The police officer would be expected to report this to the DMV and yank the license in the meantime. The insurance company often runs their insureds against the DMV driver’s license files at renewal time. That’s how the insurance company find out about tickets, DUIs, revoked or expired DLs. Or in the case of an accident, the claim representative might discover it in the course of talking through the claim. Or if the other driver sues.

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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