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We can't afford in-home help and I can't afford to earn no paycheck. Help!

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If you go up to the little magnifying glass next to your avatar at the top righthand side of your page, lil, you will find access to so many good articles on accessing programs that may pay you.
Do know that we often see people who are literally driven almost mad with 24/7 caregiving, no breaks, no downtime, and you can never get enough from any programs such as medicaid to make this a job worth having. If you figure out what you can receive and then the hours you put in that will become clear.
There are other things to consider as well, such as the resources of your elder to pay you for care. If this is a plan you should see an elder law attorney to work out a contract. Do it the right way. Otherwise it can be considered "gifitng" and make your senior ineligible for help when it is needed.
There are also other things to consider. Your own family or the ability to start one, your own giving up of a job history, where you will live (your home or hers) and what will happen if there are changes needed in that arrangement, what to do if this doesn't work out.
I would speak with others before making this change. If you have been on Forum for any amount of time you will have already witnessed those who gave up job and home to move in, who have ended jobless and homeless, or those who have moved an elder in and are helpless to get them out of their own home when it isn't working for anyone involved.
Take great care in thinking all of this out. Your elder may be better going into care on medicaid once their own assets are gone, and you may be better off keeping your own home, your own job, and being a cheerful and faithful visitor.
I wish you the best. These are tough decisions.
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lilpcsister, the vast majority of grown children do not get paid for caring for their parent(s) unless that parent can pay them from their own savings account.

Another option is to contact your State Medicaid office [Medicaid is different from Medicare]. Each State is different but there should be some type of program where you could be paid. Please note, your pay would probably be minimum wage for a few hours each week. Not enough to live on. Plus no benefits such as sick pay or vacation pay.

I see from your profile that your mother is 97 years old. Curious what are her health issues? This might be the time to look into nursing home care, if your Mom signs up for Medicaid, Medicaid would pay the cost. My Mom was in a nursing home, and I was quite happy with the excellent care. Just food for thought, so you don't need to quit your job, and there is a village to watch over your Mom around the clock.
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