Family is the other F word

I need to start with an acknowledgement.  I can’t take credit for coining the title of my blog today.  I first heard this line from my friend Sydney Campanaro (now of A Place for Mom.)  Sydney, I hope you don’t mind.

While this line is funny, it is also sad.  Worse yet, it is all too true.  Families can be horrible to each other.  In my work, it is usually battling siblings that cause the dysfunction.

Often, while Mom and Dad are healthy, siblings manage to keep the peace.  (It’s not much different than spouses who would like to divorce but stay together for the children.)  There may be an undercurrent of strife, but outwardly, the siblings avoid open war.  It’s hard to say what caused the ill feelings.  Maybe one sibling embarrassed another at a terribly awkward time.  (Isn’t that what siblings are for?)  Maybe one stole the other’s boyfriend or girlfriend (or watch, or sneakers, or dress, or baseball glove.)  When I give presentations about battling siblings, I usually suggest that one child broke the blue crayon 50 years ago, and the other children haven’t forgiven him or her.  Who knows what it might be?

When the parents’ age or illness starts to take its toll (or the parents pass away,) the cold war usually ends, and open conflict starts.  If the parents need long term care, the care providers, social workers, and sometimes the elder law attorneys get caught in the middle.  If the parents have passed away, the executor and the probate attorney get caught in the middle.  (If the executor is one of the combatants, the probate attorney may be alone in “no man’s land.”)

I have spoken with a number of social workers with hospitals, assisted living facilities, nursing homes, and in-home care providers, and the same response comes back again and again.  These social workers tell me that 10% of the families they encounter get along and 90% do not.  Those numbers are staggering.

I will admit that my information was not gathered in a scientific manner.  It’s hard to believe that 90% of families whose parents are in long term care fail to get along.  Because my information is based on the impressions of the social workers to whom I’ve spoken, the 90% could come from the amount of time that the social worker’s spend on dysfunctional families.  Or, 90% could be the social workers’ “emotional energy” that dysfunctional families use up.  The numbers are still staggering.

Considering the anger that these siblings sometimes have towards each other, I can understand how social workers feel this way.

I always explain that I resolve family disputes by giving everyone a baseball bat and locking them in a room until a decision is made.  Then I set fire to the place and walk away because no decision will ever come out.  Obviously I can’t resolve disputes this way, but there are times that I want to.

For more information visit www.ProtectingSeniors.com

Jim Koewler’s mission is
Protecting a Senior’s Life Savings™
from the costs of long term care

For help with long term care costs, call Jim
or contact him through his website.

© 2014 The Koewler Law Firm.  All rights reserved.

The Most Frustrating Words that People Say to Me

The most frustrating words that people say to me are, “I wish I’d met you before . . .”

One person might say, “I wish I’d met you 5 years ago.”  Another might say, “I wish I’d met you 3 months ago.”  Still another might say, “I wish I’d met you before my mom died.”  Of course, I get the generic, “I wish I’d met you before it was too late.”

No matter how it’s said to me, it always means, “I wish I’d met you before the money was gone.”

They might mean their own money.  They might mean their parents’ money.  Either way, the number of people who find out TOO LATE what elder lawyers can do for their families is a big number.

I hear the speaker’s frustration in these words.  (It frustrates me to hear them.)  The words mean that a senior’s life savings is mostly or completely gone.  With that life savings, some of the senior’s dignity, identity, and pride are gone too.

The frustration of a life savings lost is bad enough.  Imagine, though, how the frustration would grow for someone who later finds out what they could have done to prevent the loss.

Don’t let your family members, friends, co-workers, or clients suffer these frustrations.  When someone you know needs long term care, or the need for care is imminent, please help them find an elder law attorney.

The sooner they get help, the better the outcome.

For more information visit www.ProtectingSeniors.com

Jim Koewler’s mission is
Protecting a Senior’s Life Savings™
from the costs of long term care

For help with long term care costs, call Jim
or contact him through his website.

© 2014 The Koewler Law Firm.  All rights reserved.

 

Get organized for your parents’ long term care

If your mom or dad needed long term care today, would you know where to find their long term care insurance policy, their Powers of Attorney, or their will?  Do you know whether your grandma or grandpa prefers a particular assisted living facility or nursing home?  What about in-home caregivers or care managers?  Have your parents or grandparents even thought about those decisions?

Get a Long Term Care Organizer for each of your parents and grandparents.  It’s a downloadable and printable Adobe pdf file in the Toolbox for Seniors.

Unfortunately, this Long Term Care Organizer can’t help answer your family’s tough questions about long term care.  That’s up to you and your loved ones.  At least, though, the organizer does ask some of the important questions.

Print a copy.  Sit with your mom, dad, grandma, or grandpa, and work through the questions.  When you’ve gotten through the list, put the completed organizer in a convenient place.  Then, if your loved one ever needs long term care, you know where to find the important documents that the caregivers will want.  More importantly, you’ll know which caregivers your parent or grandparent prefers.

The important papers (insurance policies, will, Powers of Attorney, burial plot deed, etc.) can stay in the safe place they’ve always been.  This organizer will help you find them when needed.

For more information visit www.ProtectingSeniors.com

Jim Koewler’s mission is
Protecting a Senior’s Life Savings™
from the costs of long term care

For help with long term care costs, call Jim
or contact him through his website.

© 2014 The Koewler Law Firm.  All rights reserved.

 

My Family’s Experience with Nursing Homes – Grandma Schneider

Most people seem revolted at the thought of moving into a nursing home or putting a loved one into a nursing home.  I’ve heard many people speak of seniors abandoned in nursing homes, seemingly forgotten and alone.  My family’s experience with nursing homes is just the opposite.

I’ll start with the worst experience we had, I guess.  It’s the worst not because of the nursing home but because of the rapid decline that my great grandmother suffered after an accident.

My great grandmother was a tough woman.  (She was Grandma to my mom, but my sisters and I always called her Grandma Schneider.  I guess we called her that to distinguish her from my mom’s mom, whom we call “Grandma.”)  Grandma Schneider maintained her own house (light carpentry and repairs in addition to the everyday cooking and cleaning) well into her eighties.  Even when her husband had been alive, she did the hard work.  He would hold her tools while she repaired the car.  (No kidding.)

One day, she went out walking (to the grocery store, we think.  She could never tell us.)  She fell about a mile from her house.  She broke her shoulder and needed surgery.

After the surgery, the Grandma Schneider that I knew didn’t seem to be there anymore.  She wasn’t in a vegetative state, but she wasn’t far from it.  My mother thinks that she had a reaction to the anesthesia.  (My mom’s not a doctor, so she doesn’t have any way to be sure.)

Grandma Schneider went from completely independent to requiring 24-hour skilled care.  Mom, my uncle, and my Grandma (Grandma Schneider’s daughter-in-law) chose a nursing home close to all of us.

The nursing home took great care of Grandma Schneider.  She always got anything she needed.  Mom, my uncle, and we children visited often.  The thing I don’t know is whether she enjoyed it there.

Grandma Schneider was almost completely unresponsive after the surgery that preceded her nursing home stay.  I have no way to know whether she loved the nursing home, hated the nursing home, or had no opinion.  She may not have been aware of her surroundings and may not even have been self-aware anymore.  Her body was well cared for at the nursing home, I just don’t think her mind was there anymore, even before she moved in.

I guess Grandma Schneider’s stay in the nursing home was neither pleasant nor unpleasant for her.  It just was.

I write about Grandma Schneider’s experience in the hopes that some of you will let go of the guilt that you might feel when moving a family member into a nursing home. Sometimes, like with Grandma Schneider, a nursing home is by far the best care choice for a family member.

I’ll write about my family’s other (very positive) experiences with nursing homes in future posts.

New Ohio Medicaid financial standards after cost of living adjustments

The Medicaid program helps pay for long term care (nursing home, assisted living, or in-home care) for many seniors.  The Medicaid rules allow the patient and the patient’s spouse to keep certain amounts of their savings and certain amounts from their monthly income.  As of January 2014, Ohio’s Medicaid program allows the following amounts:
Savings patient can keep: $1,500
Savings spouse at home can keep: $23,448 – $117,240
Monthly income patient can keep: $45
Monthly income allowance for spouse: $1,939 – $2,898
Monthly housing allowance for spouse at home: $582
Monthly utility allowance for spouse at home: $456
What Medicaid pays nursing homes each month: $6,114
Limit on equity in home:  $543,000

Note:  Because this information is an update of the Medicaid “financial standards,” it also appears on my website’s Medicaid page.

For more information visit www.ProtectingSeniors.com

Jim Koewler’s mission is
Protecting a Senior’s Life Savings™
from the costs of long term care

For help with long term care costs, call Jim
or contact him through his website.

© 2014 The Koewler Law Firm.  All rights reserved.