I was hoping to hear some stories of how you have convinced your parent(s) to move to assisted living when you can't pick up the cost.
Long story short, we moved my parents in with us 4 years ago to a larger house we purchased to accommodate everyone (them, hubby and I, and 3 kids) and things have gotten steadily worse. They had given us money to make the house more accessible- 2 ramps, entry modifications, we added a bathroom on their level they could access, etc. My husband did all the work himself to save cash but they were still expensive modifications. Mom clearly hates living with us and has become very unpleasant, dad has Parkinson's. Recently she has fallen 3 times in the past 10 months, breaking a hip, a knee, and cracking a pelvis. We no longer feel it is safe for them to live here as we work full time and still have responsibility with children at home that take us out in the evenings. However, when we bring up assisted living she throws the money at issue at us. Claims they can't afford to move because they have given us 'all their money.' (They haven't, the repairs were a decent amount of the modest amount they had but they do have some reserves left and are getting SSI). We have offered to help with the cost of assisted living but can't pick up the whole monthly bill and I am angry because we used the money they 'gave us' for repairs and upgrades they needed and have never once asked them to share the very sizable cost of the mortgage for the larger home, the utilities, food or anything.
How do we convince them to leave????
Try and find a place that has transitional care....maybe they can start in assisted living, but make sure there is skilled nursing care available so that the next move is as easy as possible. Many times one spouse requires more care than the other and it's helpful if both facilities are on the same grounds or connected so that they can see each other daily.
Consider that if your parents are getting even $1000 SSI each per month each for the past 4 years, they could easily have saved an additional $96,000. This may already be more than enough to recoup the modification money your mom is so angry about. You didn't say how much they gave for modifications to the home, so this is only an estimate.
If they wanted to stay in their own home and pay a caregiver to help them for only 8 hours a day at $21 per hour 7 days a week that would be $61,300 per year. This amount doesn't include their own food or utilities for which they would be paying also. Now that they need to have someone around all the time due to safety reasons, it would be even more expensive.
Either a paid caregiver while you are out working or finding a good facility that will accept Medicaid when their money runs out appear to be the only options that would work long term. Waiting lists can be a year or longer we've found. Your area agency on aging, a social worker, or elder care attorney will be the best sources for help making future decisions.
Financially, you said your parents have lived with you for 4 years and ONLY PAID for modifications that THEY required in a home YOU paid for. You are also paying for THEIR food and utilities I believe you wrote. If they were in assisted living already at an average $4,500 a month per person, that would be $108,000 per year for 2 people. With those figures the modifications they paid for have long since been "paid back" by your caring for them over the past 4 years. The ramps they needed as a modification are not going a selling point to the home later on.
If your parents are getting even $1000 SSI per month, and not helping with their own living expenses, they also could have saved an additional $96,000 already over the past 4 years. Did the modifications even cost that much?
Your mom needs assessment to evaluate why she keeps falling (to keep her safe), and also for why she's becoming "unpleasant" because there could be a developing depression and/or dementia. Your dad has Parkinsons which is progressive and will likely need more help going forward also.
A social worker, or your area agency on aging may be able to help with getting your parents to move to a place that is more suitable for their now changing needs. Even if they don't like the sound of it, it sounds like they need this to keep them safe. It's difficult to find a good facility that will also accept Medicaid for when their assets run out. We've found the best one's can have a waiting list of a year or more for places close enough to where we live.
Good luck with everything!
You now say you "can't move" and "can't afford" to go on like you are, yet haven't charged your parents a penny to eat the food you're paying for or to chip in with the bills. How does this make sense? You'll wind up in foreclosure soon if you're not careful and then ALL OF YOU will be homeless!
Get your folks to pitch in a sizable amount of money each month towards keeping a roof over your heads! You can't ask them to leave a home they've chipped in to pay for and that you can't afford to buy them out of. They have a right to stay put if you can't sell the house and pay them back.
The money they gave covered the place to live.
It does not cover the cost of maintenance nor care which is the core of the problem. So what is the monthly value of the addition to the house if you rented their section to someone else? Thats the value of the money they gave you.
Find out the monthly cost associated with Assisted Living and the alternatives.
Work out clearly how SSI and possibly gov't agency could help. You pay the cost of the accommodation. Make it clear that what they would be paying for is care and possibly meals. It must be re-enforced that they are now needing care which you cannot provide. Returning the money they gave is not a good idea. It will blow out very quickly and you will not be able to turn your back on the parents that you love. Instead show them what you did $ for $ and treat it as an investment from which they can get monthly earnings. They may be able to understand this and you stand a chance of working this out. Remember to include a respected third party who knows how to mediate.
1. Your parents need more care than you can provide right now
2. Your mother and you do not agree on their current financial resources
3. Your mother believes that she gave you a lot of money, hence you are in her debt
To address #1. I would start visiting places to see what is acceptable and available near you and if practical, a different state. Some of the smaller facilities are much more affordable than the larger facilities and would allow your mother to be in the same room as your Dad. It also might provide the coziness that your Mom would like and provide a better patient/caregiver ratio. I would do this immediately as older residents are starting to move back into managed care facilities after COVID. I believe it is safe to say that your Mom is a fall risk. By chance, could she be in the early stage of dementia? That would be important because if she or your Dad are in some early stage of dementia, you do want to narrow your choices in living down to places that care for memory impaired individuals. In addition, her belligerence could be an early sign that pieces of her memory are missing and she is losing self confidence.
To address point #2: Is your Mom willing to share her financial information with someone? If anything, it is to get an idea what steps it would take for her to qualify for Medicaid, if she really is that close to the edge.
To address point #3: Do you have records of all the money she has given to you? I'm assuming that you wouldn't have been able to afford the house you are in, if they haven't given you some of their money. There was one person who suggested buying a place for your parents and staffing it with caregivers. That is one alternative. Another alternative would be for you and your family to sell your current place and move into a smaller place that does not have room for your parents, and return their equity portion back to them, therefore forcing them to move into either assisted living or memory care. With this alternative, your Mom has some money for assisted living and you can honestly say that she no longer has equity interest in your house.
I am a little concerned that during these last 4 years, you have used your own money and sweat effort in their care. However, your mother doesn't not seem to recognize the value of the sweat equity. If you buy a place just for them, in her mind, you are still owing her money. I don't think she recognizes how much effort and time you and your husband are putting in "free of charge". Hence, I would actually give her back her money (and make sure that you deposit it in her bank so that you have record of giving her back the money).
...and take her to the doctor to get evaluated for mental and physical health.
It would benefit you and your parents because one day you will be heading for placement and it can be a lot less stressful if you have planned for it and not left it to your children to figure out what to do about you.
I would think selling is problematic. Moving is disruptive and the mortgage could double with today’s rates — but you could have a substantial profit. That said, you’d have to buy in a hyped market free paying closing costs and moving costs.
Before going that drastic, I’d work to deflate their argument with math: say the in-laws are 20% of the family and calculate 20% of the mortgage, utilities, food x 4 years. Calculate DH labor cost as part of the equation. Deduct the total against the renovation money they gave you. If there’s money left, offer to return the balance as monthly payments to help with AL costs.
Then calculate the costs for the 4 years they were with you and not paying AL fees. Use a conservative $40,000/year x 4 yrs = $160,000. So how much was their contribution? Less than $160? If yes, give them the balance as monthly payments.
If either scenario shows the money they gave you would have been spent to meet their needs, you have a logical argument to say, “We all tried. It’s not working out. You NOW need assisted living. To be safe. To be happy.” And before you start using your money to fund their care, the elder lawyer I met said that the elders should exhaust their funds first, then apply for Medicaid if it’s needed.
Good luck.
You might want to check the price of AL facility. It is quite costly. Unless they have a very tidy sum of income plus savings, it's not likely for them to go there. Also, there is the medical needs for each of them. AL means they can manage on their own and need very little in the way of hands-on care. If mom is falling all the time and dad has Parkinson's - there's a good chance they need more hand-on care. Which leads to where they are most likely to be accepted - a NH.
Go visit a few AL places so you can find out if parents would even qualify for that low level of care and if they can afford to live there with you helping.
Another choice would be for them to use their monthly income and reserves to pay for in-home care where they are now. Their finances will last much longer and it would relieve a little burden off you. As you say, they aren't using their money for anything else anyway.
Choices are NEVER easy to make, but being as informed as possible, weighing all the options and costs 'has' to take precedence.
These are you aging parents! You only get one chance to show how much you love and respect them, especially in their declining years. This situation has challenges and struggles, but one day you may be in the same predicament, your children are watching.
I hope you are able to find the answers you need.
Forget any un-reimbursed money for upgrades and a larger house. trying to collect that back from your parents is unnecessarily small-minded. You now own a house with higher market value when you sell.
That said, if the house isn't in their name, and they have limited assets - consult with a well regarded elder care attorney for your best options. Bring your parents with you so it becomes a group effort and they don't feel excluded. Many attorney's consultations are free. This is a good place to start. For the time being, it would help if you can hire some part-time help to help your parents at home. This is an expense that seems to be essential while you are working, based on your mother's lack of mobility and predisposition to falling. Even in assisted living, it seems by the amount of falls you report - she would not last very long. Realistically, how would they manage on their own now? Install wifi cameras in common areas so you can keep an eye on them through your cell phone while you're away. Find ways to make your home safer - it helps you in the long term.
It sounds like there is a lot of tension in your home - and I urge you to find ways to let the anger and resentment go on both sides. Come from another angle - your parents'. They are both not as independent as you thought they were; and now are being asked to leave. This is an overwhelming situation for any elderly person. Put yourself in their shoes.
Once your parents feel "safer" and wanted by the rest of the family, hopefully the tensions will slowly unravel and they will be more open to alternatives. Please get good professional advice from an elder care attorney & in addition, make sure all of you get your financial assets, health directives & POA's in order NOW. I truly wish you the best.
Unfortunately, assisted living is an expensive private pay affair in most states and I don’t see how your parents could afford the cost if they are on SSI. I also don’t understand how they could have substantial reserves.
In any event, it sounds like you need to put your foot down with your mother. Her bitterness over having to contribute to improvements that were designed to benefit them suggests that she might not be a good influence on your children. I am wondering if your father shares her obvious resentment. Regardless, despite what’s going on with your mom, it sounds like bringing in some daytime help while you are working is a more financially realistic alternative until your parents qualify for a more skilled level of care which Medicare and Medicaid will pay for. If you force them out of your home now, your mother may hate you as much as she hates living with you. A formal family conference regarding the entire matter seems overdue.
I was not talking about a ramp specifically. What about modifications like zero entrance shower, a main floor bedroom that might be considered a second main bedroom, another main bathroom, waterproof flooring (LVP) any number of things that make a house accessible
The thing is many potential home buyers value the outside appearance as much as if not more so the inside.
If so you should be able to get them on Medicaid in one more year with a five year look back not affecting their being eligible. This might be an issue if you have to prove they weren’t gifting when they invested money for the house. With your moms ability to spin the narrative you should be prepared for this.
Not sure If your state allows an ALF to be paid by Medicaid. Most states don’t but some do. Make some phone calls.
To qualify for Medicaid for LTC they must meet financial and medical requirements.
Not everyone finds it necessary but I would seek the advice of a certified elder attorney well versed in Medicaid to discuss their unique situation. Their funds should pay for this but to get them placed, I would consider paying for it myself. I wouldn’t pay anything on the ALF until I had gotten legal advise from a CELA level attorney. You could be delaying the inevitable with great cost to your family.
The problem with convincing someone is that you are taking yet another burden on that doesn’t belong to you.
Stories
*Sell your house or rent it out.
I had to move one time when I let a family of 5 move in. (DH sister). I made it clear that our move was happening. They were gone the next week.
*Repairs/Disaster
When DH aunts home flooded, I had no choice but to move aunt. No discussion. Here we go.
She moved to ALF and now in a NH. And even though aunt has dementia severe enough to be on hospice, she saw that it was a done deal.
*Legal remedy
Squatters moved into an empty house next door to an elderly uncle. He tried to force them out. He got into trouble with the law for terroristic activity.
He had to evict them. If he had started with the law, he would have been done in 6 weeks instead of 6 months. check your state laws.
Of course no one wants to be harsh or a bully with our elders. Firm, kind, legal with good boundaries will actually move things along with less stress. Don’t over discuss. Find out what your legal options are and make it happen.
Come back and let us know how it is going. We learn from one another.
The only other thing I can think of to 'pay them back' is to take out a home equity loan (if there's equity built up in the house) and give them their cash back that way. Of course, you'll be paying interest on that LOAN of the money, don't forget. But it could be a way to get them out of your house......maybe, maybe not.
Furthermore, I would not offer to pay ONE RED CENT towards the cost of THEIR Assisted Living. That's on them entirely.
Good luck!
I'd figure out how much the mortgage is, reasonable board charge and take that into consideration as well.
EBH - do not spend one more penny on your parents. They should have been paying their way all along. It is a VERY sticky situation - no doubt.
Not a bad idea to sell to force the issue, but perhaps you reallllly don't need/want to. It would make them move though lol.
Your parents don't have to agree. You are going to have to be the adult and set the boundaries and you may be very unpopular for a period of time but I guess it will be worth it to have your house back!
Good luck.
When your mother starts up with the nonsense of how they gave you all their money, shut her down. Tell her that you refuse to discuss that ridiculous lie and that the ramps and entry modifications certainly was for their benefit, not yours. Doing this work to your house has actually decreased its value. Then tell her that for four years her and your father have been living rent-free, eating for free, using utilities for free, and being cared for - once again for free. So really, any money they spent modifying your house so that they could live there is a drop in the bucket of what's been put out for them by you and your husband. Do not tolerate one moment of complaining or fussiness from either of them anymore.
Offer to take them to tour different AL facilities. Try to look for facilities that also have a separate area that offers skilled nursing and memory care if needed. DO NOT pay for any of their care.
Do not put up with this **** for one more day. Make your meaning plain that they are leaving whether they agree to or not.
At this point, increased care is warranted. Both adults work. The children are in school and require attention in the evening.
The grandparents need aids. I expect the grandfather with Parkinson’s needs assistance with getting dressed possibly, walking, eating and the other problems that come along with Parkinson’s, which can be many. I hope he isn’t driving. The grandmother is seeing her mobility disintegrate, is bored, and needs something to occupy her. There she is making everyone miserable because she is miserable. She is also scared because of the limited funds. It was not well thought out to move in together and they haven’t thought of the burden placed on the overall family.
The next step was not considered and the time has arrived. Eviction is cruel, but if the mother is being difficult that may be the only answer.
Is there any way to approach it with mediation? It might provide an opportunity to show her the opportunities available to search out assisted living that can then be converted into MEDICAID? I would think that even with Medicaid, they would be able to be at a facility that would take care of their needs. If the grandfather is a veteran, maybe he can qualify for some veteran services. Her closed minded approach isn’t helping. Does the grandfather have any influence or does he remain silent?