My Father is past the twilight of his life. While he has good days and bad days he is no shape to take care of himself by himself. He has had visiting nurses spend almost 18 hours a day with him as well as my siblings checking in on him. He made some good investments in the past but spent a lot of money on my Mom when she was alive in private care facilities. Several years at $8000/month starts to drain the wallet. He has been burning through the rest paying for in home nursing as well. Been doing it for over 4 years now. Its expensive but we see the only alternative is the nursing home. We all saw what happened to my Mom in that. Even the best ones are a galaxy away from what you get at home.
For over 10 years I pleaded with him to live with us but he all out refused. He is about 3 to 4 months away from running out of money then its time for the nursing home under title 19 or medicare or what ever it is. I talked to my siblings about paying for in home nursing - while he has good days and bad he is very a wear of his money situation and has told us that in no uncertain terms are we to spend money on him. He would be supremely insulted if so. I say we just tell him the state will take care of it...but then I started looking at the cost. I'm not certain we could afford it either. I want great care for the guy but don't know how to get there.
I have put off getting the Turbo thinking that I will have to contribute at least 1K a month maybe 2K. I would do it. My twin might be able to match me but my older sibs are retire on a fixed income so they are not gonna be able to do it. The in home care is roughly $6K a month. Not sure what to do.
Wondering if title 19 or Medicare would cover in house care instead of a home? Anyone any any ideas?