Money Problems

I have been on SSI and SSDI since 2004. I receive food stamps and section 8 housing and both medicare and medicaid. My Dad just recently passed away. I am one of his beneficiaries in his Life Insurance Policy. There are five of us. I have no idea what the benefit amount will be. I'm scared I will lose my benefits. what can i do?

My mother has Alzheimer and is under a conservatorship in California. I live in Hawaii with my children where I am a law student and have spent all my money trying to end the conservatorship in court and bring mom here with me. The professional fiduciary, his counsel and the courts have all obtained more money in fees than my mother has received for her care and the family trust fund with over 2 million is about to be gone after just 4 years. When there are no more funds left to pay conservatorship costs the conservator will ask to be discharged and says my mom will be declared as an indigent and medicaid will pay for her nursing home care. My question is who pays for her clothing and shoes and other things she needs. Will they pay to bury her as I purchased a double niche for my father so she could be with him and the conservator has never asked me about any burial plans. The conservator is mean and when I ask him how mom is he responds "well she is alive." She is extremely healthy and the woman in her family all lived well into their nineties, which means mom may need assistance for another 10 to 12 years. How will she survive when the conservator sold my parents home quickly before I could oppose at half its value in two days and threw away its contents so there are no assets to sell and the trust is empty? This is so sad.

PLEASE, Please, Please designate a family member, or other person, to have a MEDICAL POWER of ATTORNEY before you sign a loved-one into a nursing home! The difference between a monthly pharmacy bill of several thousand dollars or a few hundred dollars depends on this. Doctor's full-price (Brand-Name) medication prescriptions can vary thousands per month (according to what Medicaid pays for the very same prescription). The home will not allow you to choose between brand-name and generic unless you have this designation!! The worst offenders are homes owned by medical doctors, as they get a cut of all charges, of course!!! I learned the hard way!

yes in 2002 i was i a car accident that required me to have back surgery, whitch the dr. did not perform right causing my nerves to grow around my nerve root i now also suffer from flibermayalsia cysts have devoloped on foot from back. a lawyer was hired to help in ssdisablity and did not represent me properly so lost my case. two years piror i was having cysts on my female area which when back surgery was performed the dr found a cyst and didnt remove the disc but just the cyst. anyway with all the female surgery pervious to the accident that resulted in back and nerve damage i was dignosed with hypitist c( shich was told i got with the female surgery ofthe cysts) so i started pegus treatment and could not work from the side affects. my last treatment was lined up for job interveiw and then the accident. for 13 years i have not been able to work and have know income. my spouse has been working two jobs 80 hrs or more aweek. were still barely getting by but he is now 47 i will be 53 in april. anyone have any ideai how i could get a income. we make to much like i said for social service but my spouse is not going to be able to keep working like this before hes health will be in jeapory and with hes full time job he has medical insurance eye life insurance after taxes believe you me its not much( hes a truck driver) any advise. really do need help im getting to the point im depressed and feel that theres really no help. the lawyer should have been disbarred and the doctor who did the first surgery gave me more problems with my health,the physican had lost my records(imagian that). myback

I need help for my mother

My Name is Joey, I am caring for mom, I am Confused about medicad/care??? how do i pay for a nursing home cost?

Mom - 77yrs old. Widowed ( Dad was a Chyrsler employee ) she is getting some income. Total income with Chrysler and Soc Sec is only $ 1100.00 a month.

She has A 30yr mortgage for $ 80k.

At the end of the month, there is nothing left.

I am living with her durring the week and away on weekends. My other siblings watch her when i am gone.

She is suffering from a deep depression after the loss of my dad in "09" for ALZ. She requires assistance in the bathroom and bathing. We have had a few falls recently and is becoming weaker by the day. Its possible she is getting Dementia, Pending a doctor visit next month with a Nuerologist.

How do i pay for a nursing home if she may not be eligible for medicade/care

HELP!!!

Joey

I am 79 years old. I am in very good health and take no meds. I am no longer able to drive out of my neighborhoodbecause of slight vision problems and some joint stifness. My income is $2500 a month. My doctors and everything I need are all in my neighborhood. I have hopes ofremaining independent at least 5 more years. My funeral is fully paid for. I have long term care insurance that I bought at age 57. It costs me only $48 a month. I have one big problem. My poor daughter who is0nly 59 is very ill. Her husbandis 67 and he is diabetic and appearsto have some mental problems. I love them dearly, but I do not think i can take care of them. My daughter wants to move in with me. I cannot take her for her doctor appointments because they are too far away. Help!!!! My daughter does have $600 amonth Social Security disability income. Bobbie Sena

Being the caregiver for your parents is an experience you'll never forget. I took care of both my parents for 5+ years and they both passed away in 2011 - 8 months apart. It was hard physically, mentally, emotionally and especially financially. If I weren't disabled myself and receiving Social Security - I don't know how I could have afforded to relocate to take care of them. It was a blessing being able to spend these past years with my parents, dealing with old baggage and having a relationship with them other than being their daughter. Now they are both gone, I'm still here waiting on the estate/trust to finalized, so I will have some money to go start my life over. In the meantime, I've had to pull money out of my IRA every few months to pay my own bills and health care expenses. That amounts to over $100K during this timeframe! Why isn't there any legislation or rules for compensating the caregiver while taking care of their parents. Oh yeah - there is the Medicaid thing in which everyone has to be at the poverty level, but I mean a monthly monetary incentive to help family caregivers. By them taking care of their own parents, they are helping to reduce the amount of expense incurred by Medicare & Medicaid. Those are real dollar savings and the caregivers are spending their retirement while taking care of their parents. It will continue to spiral downwards as more & more baby boomers find themselves faced with caring for their parents. Not only does it impact the people needing care, but it affects the adult children that are going into debt or wiping out their retirement to take care of their parents. If there isn't an advocacy group out there to represent the "family caregiver", their should be!! I don't resent taking care and spending the last years of my parents lives with them - it was a precious, but very difficult experience. I'll have these memories for the rest of my life and my other siblings won't - but does a person have to become financially unsecure to do it. I'm 61 years old, disabled and struggling to pay my own health expenes. It's not like I can go get a job to try and replenish these funds. Does anyone have any ideas?

Three years ago I left my life in NYC behind to move in with my mother in North Carolina, because she could no longer live alone, and my brother, who lives in her town, wouldn't do enough to help her. I never expected to get rich doing this, but I didn't expect her to devastate me financially. Month after month, she gave all her extra money to my brother, who is a long-term pot addict, and never supported himself in his adult life. I begged her again and again to put a limit on his funds, and make him do some home repairs here to earn the money, and she promised to my face every month that she would change and do what I asked. Lies, lies, lies. I finally used my P/A to put her funds into an account she can't sign on. Now we are scraping to build up some savings a little each month, but she is much closer to dying, and I can't even work part-time outside of the house anymore. I get food stamps, that's it. Her will leaves me this house, which isn't valued at much after the mortgage balance. If she dies now, I would have to sell the contents and hope that the proceeds cover the mortgage for a few months until the house can be sold. Otherwise I end up with NOTHING. It is much more than the poverty that bothers me, it's the betrayal and the way she seemed to forget I even existed and what I sacrificed for her, all in preference for my deadbeat brother. I don't remember who my mother was, haven't got clue why I ever loved her or gave up my life for her. I feel nothing but disgust for her, but I hope she lives long enough to let me build up some savings. I read other posts where the caregiver says it was worth the hardship to have the time with their parent. God how lucky they are, and how stupid I was to do this.

My mother has Alzheimer and is currently in assisted living. We have made payments of 750.00 for over a year now. We finally have received the VA Aid and Attendance. We now each pay 365.00 a month. My two other siblings have been paying the same. They are comfortable with this. How ever we are less fortunate. We are at the end of our over draft protection,have used all our savings and are going to run into serious financial problems very soon. What will happen to my mother if I'm not able to pay this and the rest of the family can not afford to pay my share. PLEASE I NEED HELP