The average life expectancy of a male in America is 77.9 years. Many of us will live longer and need long-term care. Heaven help us.
My father-in-law, 88, served in World War II, contributed to the betterment of society, developed severe dementia and other ailments requiring 24/7 care and is currently being evicted from his care home because his finances have expired. His $1,200 per month doesn’t begin to cover his more than $6,000 of monthly expenses.
If you are middle-aged, start planning now. The “hoops” for VA and Medicaid are overwhelming. The time needed requires full-time attention. Interview each staff member and resident before deciding on a care facility.
Don’t expect family to handle everything, unless they are in a tax bracket where no one has to work for a living.
If you don’t take care of details in advance, reserve a “rubber room” for family members — they will need it following the abuse and disrespect they will receive during this process.
Inform your family that no matter how hard they try, no one else really cares.