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Sorry that things are bad with your mom and big decisions need to be made.

What is her medical condition?

I can't imagine that renting an apartment and a live-in would fill the need of 24/7 supervision. There will be many hours of the day and week that need to be filled in by someone else. And people call or sick or need time off etc. so it can really get complicated, IMHO. That's why my mom is in AL.

With her in AL, I know her next stop will depend on what declines faster - her body or her mind. It's kind of a toss up. Anyhow, if/when her medical needs would require hiring aides to assist her in AL, she will need to be to a skilled nursing facility. If memory goes faster, she'll go to memory care. I suggest these same ideas for your mom.

Is the AL demanding that you hire these 24/7 aides as a requirement of staying there?

Best of luck.
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If she needs 24/7 care, I would find a nice Long-term facility that takes Medicaid. Spend down her money and then apply for Medicaid.

If you hire a live-in they are employees. You will need to deduct payroll taxes and supply a W2 form. They only work 40 hrs a week and get over-time. They get days off. Someone has to be there when they aren't working. I don't think it will be any cheaper in the long run. There will be utilities and groceries. And then the live-in you may not like. Some people have had a hard time getting a live-in to leave.
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If the 24/7 is due to primarily dementia, I recommend either a small dementia place or a board and care. Forget about the “hotel amenities” like waterfalls and massive foyers with grand pianos. That all takes away from the care part.

If there is a medical need, I’d go with a nh.

You shouldn’t need to pay another person to come in.
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AlvaDeer Mar 2023
I think you may be on to something here. I cannot imagine the cost overall of 24/7 care, and it would be impossible to have only one caregiver. This sounds worth a try.
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