My wife was diagnosed with early onset Alzheimer's, when she was 50. I was also 50, at the time of her diagnosis, three years ago. I work in IT, which means I make good money, but it also means I have the potential of being laid off, eventually having to live on savings. In fact a year after my wife's diagnosis, that is exactly what happened. So now, with no savings and only my 401k to fall back on, I have to face how to support my wife.
I checked with Social Security. They said she… read more
Most communities offer services based on your current income. Try contacting the Alzheimer's Association for more information as well as small local organizations.
@JohnT- I would also consider maybe putting an ad in your local newspaper, or on bulletin boards at laundromats, or local small grocers,local churches for a woman to care for her, at a mutually agreeable cost lower than $20-$22 hr. I have run across some women who are divorced or newly widowed that have no working skills other than cleaning house, fixing meals and general care. One woman I cam across was apologizing for using her mad money as I was checking her out as a cashier. It was mostly quarters and I knew it wasn't mad money. A very nice woman needing work, as she had one personal client and was looking for another. Also, CNAs or retired nurses, will also work for less for side work as a private duty nurse. The Alzheimer's association can help with the cost of REspite care and have a free handbook on how to care for those afflicted with Alzheimer's and dementia. If they are not familiar with the care of an AD patient, this book is excellent, they also have resources that we are sometimes unaware of. Good luck! God Bless you! I will keep you in my prayers.
To what @A myALZteam Member said, the daycare for my area (Washington State, USA) is on a sliding scale and I believe is $22 per hour to free depending on income. I qualify for 32hr of income care or 8 hrs per week x 4 for daycare which also picks up and returns home which would add 2 more hrs each time in travel not counted in hours. For me the current rate I'd pay is $8 per hour. Will likely test both to see which Deb likes best.
I know that terrible feeling of not knowing which way to turn and something should be done for people like you who has to continue to work! I was also introduced to the option of divorce and that even presented problems. There is no way out financially that I have found except to see if your county provides services for the aged and disabled. If so, your Adult Day Care might not be as pricey as you think.
@A myALZteam Member, serval of us were talking in messenger group about the crazy system that would force a couple to devorce to get Financial assistance needed. While we are all retired early to take care of our loved ones and in our situation our spouses do get government benifits SS Disiblity or the Canadian version we are in the same dilemma where a *devorce would be the only way we could get the financial help if putting in a faculty was necessary. I personally have been using 401k to make until qualify for early SS (2/17) so my income allows for respite care of 32 HR a month in home or daycare at a subsidized cost of $8 per HR.
* In some states or providences I have heard about a type of separation that separates financials allowing one to place loved one in a facility . As a person of faith a "legal" Devorce would be a last resort but I would in my mind and heart consider myself married to death do us part regardless of "legal" status.
Lord willing I will be able to care for Deb until the end as are my FB friends I mentioned but I know some can not for all sorts of reasons and I understand if folks make different decision .
We have to do what we have to do and God understands that too.
Lord bless.