Mom has vascular dementia, 91. She has too much money to be on Medicaid but would only last a few months on her income as self pay so elder law attorney suggested for me to get paid through a caregiver contract to help spend down her money to qualify for medicaid. Like all caregivers, I am exhausted and getting no help from brother. I am her poa also.
My MIL was in a wonderful faith-based LTC facility on Medicaid. It was top-notch care and not disgustingly expensive.
If you do that, you will have much less of a burden in day to day care. She will be taken care of by a team and you will get your life back to a large degree. Why bother with further in home care if you are burned out already? Money for care is nice but it seems like you are past that point.
Follow the advice given to you here by those who KNOW!
I agree with others, if she has "too much" for Medicaid, but it's not years and years, then place her now. That money that goes to the facility will buy you those months of your life back, which will allow you to focus on getting her applied for Medicaid and ready to transition to Medicaid paying for the facility.
In a majority of places, quality nursing homes with Medicaid beds are scarce. It is advised to find a facility as a self pay resident and selfpay for two-three months. Then spend down her additional funds to qualify for Medicaid LTC. Once the patient has applied for M/caid LTC they are in pending status. The facility can NOT evict you if already in a bed and are a Medicaid LTC pending status. Your mother will be responsible for only the patient portion of payment. That includes IRA payment, Social Security, and Pensions.
Please use the search feature for past helpful posts to gain knowledge with Spenddown. And, please ask questions. This forum is very helpful and can guide you during this stressful time.
I wish you peace and strength.