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I was able to get my medical affidavits for guardianship/conservatorship but am undecided about whether or not to proceed. Dad is living with us right now (only a few weeks in). Whether this is long term or short term is undecided.


However, while he is with us, I want to make sure that anything we need to take care of can be taken care of with no trouble. I know with social security you can do the representative payee, with Medicaid you can do authorized representative, at banks, I believe they use another form. But when it comes to IRS and other places I am unsure of what can be used to handle his affairs.


I was also thinking if he were to remain with us, we would have to build on a room to give us some privacy and peace of mind while overseeing and would need financing and for him to pay for this addition. Of course, if I can get husband to agree.


Remember we are dealing with some dementia here. I appreciate your advice.

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If you add on for him, he cannot pay for it if Medicaid in a nursing home will be needed in the future. Medicaid looks at the add on as an enrichment for you if you ever sell your house and a gift from him. Will cause a penalty where you either continue to care for him or pay for his care until the penalty period is over.
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gladimhere Jul 2021
If Medicaid is needed within five years. Medicaid penalties may apply if within 5 year lookback.
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If he has enough competence to grant power of attorney, get durable POA (for finances) and an advance medical directive (medical POA). I'd also recommend (again, if he's competent) getting powers of attorney done at his bank or any investment institutions. They like to use their POA paperwork, not yours and can often give you a hard time otherwise.

I don't know about how guardianships work, except they're extremely expensive. The above POAs won't cost anywhere near that.

I am the trustee for my parents' trust (already functioning in that role when both were still living), and that role, along with those durable and medical POAs have been sufficient for me to handle all my mother's affairs (Dad is gone now) without any problems.
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SoLost21 Jul 2021
Our family attorney prepared a Medical and General POA for our mother. We did not have to go the guardianship route at all. IMO, if you can move forward this way, it's far less complicated and you can do what you need to for your dad, financially and medically, if/when he's unable.
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Depends on the family structure-we had a second marriage so multiple factors.
POAs can be fired by the person that asked you to be one if they are influenced while they are exhibiting symptoms of dementia. Many people have paranoid delusions especially about money and theft, so it is easy and those that they live with all the time have easy access to influence. Guardianship and conservatorship are the only answers. We had to take that course and lucky found out at the right time then he fired me after I found an attorney. The situation can also be necessary within a family with dynamics that are not working in the best direction for the impaired individual. OR they are both impaired and think they aren't- like ours also.
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I have a CPA doing our taxes. This year because of a donation I made, we couldn't E-file. So I signed our return in my hubby's name with the notation DPOA. The IRS accepted it without question.
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You cannot add onto your home, that is use of his funds that would benefit you.

If he is not incapicitated the court will not grant guardianship.
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BurntCaregiver Jul 2021
gladimhere,

Yes, you can. The father himself can have answry appointed to be his conservator/guardian. He will have to have a lawyer for himself and do it in the probate court.
They can have modifications done to the home as well if it is for the benefit of the person they have conservatorship over.
I know someone who did exactly this. They had an elderly aunt who was a widow and had no kids. She had her niece appointed conservator over her through the probate court.
Then the niece renovated her house on the aunt's money. The place wouldn't have been safe for her if she didn't do this. She also charged her rent and charged for being her caregiver. There was no problems.
The aunt lived there with her niece and the niece's family for three years. Then she became too bad off with dementia and had to be put in a care facility. There was no problems with the court or with Medicaid over the money spent to make the niece's home safe for her aunt to be there.
It can be done. Just make sure you have a lawyer who knows what they're doing.
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Definitely proceed with conservatorship/guardianship. It's a tedious and expensive process, but in the long run you will be very happy you did. It's higher then POA and a lot of future headaches, frustration and unnecessary stress over red tape and other bureaucratic nonsense will be prevented if you have it.
I'll tell you the truth, I wish I had conservatorship/guardianship over my father instead of just POA. I can't tell you how many hours were spent on the phone on hold because a credit card company or bank wouldn't shut down a card or an account because they wouldn't accept my POA documents on their own.
Get the conservatorship/guardianship. If you have to place your father in a care facility at some point, having it will be a lot better for you both. When nursing homes see a conservatorship/guardianship in place they don't pull the underhanded and often illegal financial abuse that they usually will when there isn't one. Conservatorship/guardianship prevents this because the court is involved. A conservator/guardian in my state has to report to the probate court periodically which is a good thing because they keep the thieving of nursing homes in check. Get the conservatorship.
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You own the home? Adding space increases value? Makes no difference your sacrifice of pocket office. Dad pays for addition, your value increases, you benefit from dad's contribution to YOUR house.
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answry Jul 2021
gladimhere. thanks for the clarification. that makes sense.

however, not sure where the tone (seems like there is one) is coming from with the, "no difference your sacrifice of pocket office. I didn't considered it as a sacrifice, I considered it helping dad until things can be figured out. If no tone, apologize in advance for the misunderstanding.
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Just wanted to give an update. Lady at social security called me back yesterday before closing to say that every three months, I will have to give them an update as to whether or not dad is back in his own home. She says the maximum time that can be given is 9 months and then after that he would lose his SSI income and the house would need to be sold.

Says it is because he is on SSI and Medicaid instead of SSD and Medicaid. Says that the sister can remain in the home only if he (I forgot how she worded this statement) signs over the property to the sibling that still lives in the home.

She also went on to say between the two people who questioned him to get permission to speak to me over the course of a week feels he is still competent enough for now that he does not require representative payee. Still will need to see if the attorney feels the same way.

So if the sibling that still lives there does not want him back in his own home, it seems no other choice but the nursing home. I don't know if he can be declared incompetent right now, has been doing pretty good if he would just go to sleep at night (sigh). So guardianship may be the only way to get him in his own or to keep as we are going but the courts may not find him incompetent.

Totally confusing laws and rules.
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NYDaughterInLaw Jul 2021
"Totally confusing laws and rules." Not to mention unhelpful to ordinary people just trying to get by. If the government cared half as much about millionaire and billionaire tax cheats as it does about stopping ordinary people from having any little advantage, we'd be much better off. And then, come election time, those same politicians decry how horribly difficult it is to live on social security.
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Spoke with the attorney yesterday. He suggest before I make any move to have a conversation with the siblings this weekend on how they wish to handle property matters with the home. He confirms that dad's ssi income will stop at some point at around (usually within the first year of not being in your own home). So even if dad has to go back to the nursing home at some point (because he is not allowed in his home by the sibling living there or his health takes another turn), a lien still will be placed on the home after death for what was put out for his care.

So options presented were to buy dad's property out one of us and take care of him in his home, put the home on the market and use the funds for his care, or to buy each other out, etc.

Even more confused but will attempt the dreaded conversation. Why could we all not be rich? Sigh.
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The experience you have this weekend will give you some interesting opportunities. I would like to share a couple of thoughts since I don't know what your legal role is mine was POA and now Guardian.
Remember if you are the POA or you are the person that steps up in your family. Keep that in mind- important when you think about "dreaded conversations" what you are. Important no matter to be aware and document the event in detail.
These meetings are for sharing information and collaborating to advocate on the behalf of someone that is not able to do it at 100% of their previous level.
No question---This is emotional but still financial elements provide care. If someone is living in his house, bills have to be paid and expecting rent is reasonable, but it requires management. Also insurance--- If no one is in the house more than 3 months, most insurance rate go up significantly as abandoned. So, we go to Dad's house to stay and keep things taken care of enough to make sure we keep things good until we can settle the estate per the court.

Has he seen any of his doctors recently? What are their opinions on his abilities? While it requires a court to determine need for Guardianship, it would help give you an idea. What is the concensus of the siblings? This is what your meeting should be about-finding out what everyone is thinking and their ideas.
Have an outline of things you would like to cover and ask or talk about. You can open by saying that you wanted to bring everyone up to speed with what the attorney told you. If personalities are historically problematic, think this through before. This where making a script helps and keep in mind this is going to be a management situation, not a decision and done. The focus is on making decisions which are providing advocacy for your Father's care and funding this care. Most people don't have a clue how much it costs to have someone in memory care-$4500-$6000 private pay.

Best wishes
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