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I had to quit my job to stay home with him. I need to have some kind of income. Please help

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Helpful Answer (11)
Reply to Geaton777
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If your doctor “has ORDERED 35 to 40 hours of in home care”, I’d suggest you find a different doctor. In home care is not a drug that can be ordered or prescribed. Long hours of care are very expensive, and any sensible doctor should know that it’s not something you get at a pharmacy for a few dollars.
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Reply to MargaretMcKen
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Geaton777 May 9, 2026
Here in the US if there's any hope of Medicare covering any of it, yes it needs to be "prescribed" by the doctor. Medicare can cover some medical in-home services for a limited time.
(7)
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This is when you start turning over ever rock for help.
Check with your local Senior Service Center or Area Agency on Aging and find out of there are any programs that might help.
If your husband is a Veteran check with the local Veterans Assistance Commission and find out if he qualifies for any benefits.
Also if you have not talked to an Elder Care Attorney to make sure all your "legal ducks are in a row" now is the time.
You may also want to consider the possibility of at some point having to apply for Medicaid.
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Reply to Grandma1954
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Medicare only pays for intermittant care which will not cover 35 to 40 hrs. Love when Drs prescribe something and they don't ask if its OK with the person doing the caring. My nephew has physical disabilities that keep him from being able to drive. His doctor keeps recommending a certain Hospital group for him to see. Its an hour away in a city. He can't drive and I won't drive there. Yes, there are closer options. Everytime I have to tell him the specialist needs to be closer.
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Reply to JoAnn29
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ForWhatItsWorth May 12, 2026
My PCP does this as well, in order to keep me in her network of providers owned by the same group. Maddening. I won’t drive to a city an hour away with lots of traffic when we have a specialist right in town. You have to ask, though. They act like it’s quite a big deal. But I’m on Original Medicare with Premera plan F so do a lot of self-referring, as long as I can talk the specialty into taking me as a patient. Then I call my PCP and she requests the records of my appointments to build a ‘full picture’ of me.
(5)
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There is some financial help, if he qualifies for Medicaid. Call a local county worker to start the application process.
I, too, had to quit my job to take care of my husband at home 24/7. I was worried about the stress of dealing with no-shows if I hired home aides while I continued to work. Then, I would come home and have to take care of him overnight.

I was surprised to learn that he qualified for waivered services for traumatic brain injury, and I could be paid as his caregiver. That made up for my lost employment income. That made my decision to quit work to stay home with him easier. It's been challenging, but rewarding, and I am thankful I get to spend every day with him.
Helpful Answer (6)
Reply to CaringWifeAZ
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Do you have Long term care insurance? Medicaid? Or, try to be paid as his caregiver? If not, then you are out of luck? You will need to come up with $1280 a week or $66,560 a year and that is just for day time care. Good luck!
Helpful Answer (3)
Reply to WordsofWisdom
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Puma1953 May 14, 2026
Who;s going to pay her to be his caregiver?
(1)
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Medicare only pays for temporary and specific doctor-prescribed home health care, usually following a hospitalization. It does not pay for ongoing care at home. Would it be better for you to go back to work and hire in-home care? You would have some income then, but all of it or more would probably be spent on the hired home care! It is a problem for many of us.
Read everyone's advice here to help with ideas about resources you may be able to use for some of the help.
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Reply to RedVanAnnie
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Foamergirl May 14, 2026
I love your response, as that is me!
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Are you being paid to be his caregiver ?
Also have you looked into if you qualify for Medicaid ?
Hopefully others here with more knowledge about how this works will answer your question in more detail .
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Reply to waytomisery
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If facility care is in your future you need a spend down plan that does not impoverish you. You are allowed to keep a certain amount in your account . Do not spend down every last penny. See and Elder Law attorney to separate your finances under your state laws.
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Reply to MACinCT
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If your husband has Medicare, I would call your local Hospice and they should be able to set you up with what is called the Guide Program. It’s not a lot of help, but it won’t cost you a thing. Medicare pays for the service. They will come to your house, evaluate your husband and send in the paperwork for you. Hopefully, they will be able to advise you on other programs that may be helpful to you and your husband. I have my mother on this program. I would do it as soon as you possibly can to get this process going. It takes a few weeks to be approved. My thoughts and prayers are with you. God bless you.
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Reply to SusanBigley
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