retirement homes

[gregg]

Everyone looks at life from a different angle. If your aunt was doing fine and could take care of herself......that's great. In my aunts case, the nursing home sucked away $600,000 in savings...........then took her home after that. Myself and her only surviving sibling, my uncle, paid for the funeral.---------6[/quote]

I think this post about life not politics??????
Its a scam . Been there.. I think I figured it out????????? 08 forward I watch price go up so fast that if you bought insurance it would not cover the new prices. They still suck lifetimes of saving out you till as you said cannot bury yourself. Home mom was in was always broke. Would have to raise for money for new TV in lobby?? . sixgun you hit a nerve in my heart. Just no way treat our old ones as sheep to fleece. I think its like collage scan of getting ok to charge more and more with lobbyist??????. A lot people go in broke and Government has no problem with $100,000 a year. Hi note. Got to know some fine people working in the home making life better for old ones. On low wages. I lived most everyday in that home with her in Iowa going home SD every couple weeks to mow check things. They got us by short hairs I don't think any of us don't want our old taken care of. This is what I think I saw???

WE NEED TO PLAN OUR OLD AGE BETTER.
I been there and still have not made my plan. I pray you all do better.

[Pete44ru]

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Yes, very sad - but, what's even sadder is that asset protection action for the elderly is often not done, including by the elderly themselves.

Some states (like mine) do not allow the taking of the primary home to pay for nursing home care, nor are the $$$ hit if the funds were transferred (to another family member) more than 5 years from the fact of the nursing home entry.

In states that don't provide such protection, Medicare will pay for nursing home care, provided the assets have been transferred 5 years or more prior to nursing home entry.

(Google: "entered into a nursing home" )


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[marlinman93]

Went through this with my father back in the 80's after my mom passed. When the retirement home started asking questions on the form about assets, it raised a big red flag to me! We stopped them and asked what assets had to do with his living there? When they couldn't give a good reason, I simply told them he had none.
I was on his bank account, and after we got back to my place, dad and I transferred all his funds to a different account, and changed the title for his house to my name to sell. We only gave the retirement home the info for the account they were paid from, so they would know nothing of the funds from the home sale, or any other income he had. His stay went well with them unaware of his finances.
I did a few electrical jobs for retirement centers decades ago, and it's the same story at all of them. Elders get minimum services. Employees get minimum pay. They're all on a shoe string budget. And owners live in luxury! It disgusts me.

[gregg]

I did a few electrical jobs for retirement centers decades ago, and it's the same story at all of them. Elders get minimum services. Employees get minimum pay. They're all on a shoe string budget. And owners live in luxury! It disgusts me.[/quote]
marlinman, you said it so much better than I did or can..and I assume there a board that lives well. At work a friend invested in Beverly care? Owner of homes that payed his stocks shares well. he told me to buy some . I could not do it. Make money on suffering of others. NO.

[Sixgun]

Gregg,
Let me explain the atrocities of nursing homes. I was power of attorney for my aunt and dutfully performed my responsibilities 100% in honesty and legally. The nursing home wanted me to sign all of these forms to which I responded, "I need to seek counsel first". After seeking counsel, I made a very good choice of not signing as it would have made me liable for many of the bills.

The nursing home was very "nice" in taking ME to court to force me to sign. (I live in Pa., my aunt lived 15 miles down the road in Del.). I never showed up for court and told them to come to Pa. to get me and when I get there I'll have a newspaper reporter there to greet us all. They left me alone as the nursing home had another avenue to take.....THEY told the court I refused to "help out" and therefore the court appointed a master to take over the whole thing. The nursing home wanted her $450,000 house even though her 67 year old son who is both mentally and physically challenged was still living in the house........my wife and I made it easy for him so that's all he had to do was turn on the TV and sleep.

To make a long story short and it's a hell of a thing to say but she died right after the money ran out making it easier for myself. After she died and was put in her above ground crypt, I legally absolved myself of any further duties as I was also the executor. I wanted OUT as my nerves could not handle anymore. I told the nursing homes attorneys it's now their headache as I saw several years of major stress ahead of me.

I could go on for hours about the nastiness of nursing homes but let me give everyone here some advice. NEVER trust ANYTHING they say or claim. Seek counsel and if you are the only one left in your home and you have children who could use your hard earned sweat and you see yourself having to go into a nursing home for an extended time.....your better off blowing your brains out as I personally would rather see my kids get my stuff than the owners of the nursing home because they are the only ones who are enriching themselves. Their workers are mostly low level care providers who make about $11 an hour.

Oh, did I tell you about my wife's aunt??? Not only did the nursing home take her $400,000 house AND her $200,000 beach house but also $300,000 in savings.

[Grizz]

it is a scam and a national shame. the elderly are defrauded. it is heartbreaking.

[gregg]

.your better off blowing your brains out as I personally would rather see my kids get my stuff than the owners of the nursing home because they are the only ones who are enriching themselves. Their workers are mostly low level care providers who make about $11 an hour.

Oh, did I tell you about my wife's aunt??? Not only did the nursing home take her $400,000 house AND her $200,000 beach house but also $300,000 in savings.[/quote]

Thank you sixgun a lot to be learn there. we never talk about bad stuff like this and we walk in there and they pick the feathers off us. Another deal was had to buy your drugs from them. They were bubble rapped. Mom could got her pills almost free thru her ins. but by time take them to Omaha to bubble rap the pills might as well but the homes pills. scam after scam.

[Sixgun]

Yea, you ought to see how they "pad" the monthly expenses. First, there is a $360 per day minimum........then there's $30 for washing her hair, $20 for doing her nails, $40 for food treats, $200 for consulting, $400 for "specialists".....on and on and on. I was getting bills for $12,000 a month!

I did tell a small lie about the $600,000. The nursing homes did not get all of that as there were monthly expenses on her home and taking care of her son also. In reality, they got at least $450,000.

Capitalism is great but nursing homes are outright legalized robbery.

If you happen to get old and feel like something is gonna happen, keep a 38 strapped on to your wheelchair.----6

[jeepnik]

When my mother-in-law got to where she needed 24 hour care we promised she would never be put in a "home". We kept her in her house, it cost a small fortune out of our pocket. You see, neither Medicare, or the state funded Medi-Cal will pay for care that is not in an institution. Never could figure that out. Her home care didn't come up to what institutions charge for no where near as good care.

Mom was pretty well setup thanks to dad. When it came time for long term care we were able to keep her in her home. We again had to pay for round the clock care, out of her pocket.

Keeping a parent at home is more work for the ones responsible for taking care of them. You become an "employer" unless you contract to an agency, and then the price goes straight up. Finding and keeping good help is time consuming and emotionally draining.

The system is setup, by the folks that run these types of facilities and for them. It makes no sense for the government to be put into a position to pay more for less care, but that is exactly what happens. And when it does, those that are financial solvent get hit harder than necessary.

For those faced with this type of decision, please, do the math. It's more work, but you may find that if you don't have any insurance help, it's not only less expensive, but better for the parent to keep them in their home.

Remember, your parents took care of you when you couldn't take care of yourself. It's time to repay that debt.

[jnyork]

darn snake pits, every one of them.

I will be coyote food before I go in one.

[marlinman93]

When a cow dies out on the prairie the vultures circle to let you know. When an elderly person goes into elder care, the nursing homes circle to let you know they're still alive. At least the vultures are honest, and we know what they do.

[Old Ironsights]

Best 2 options out there:

#1: Become a permanent resident on a cruise ship. Full medical staff, better food, better entertainment, and they can bury you at sea.

#2: Do in a noxious Federal busybody or rob a bank. Fed Prison gives you: Full medical staff, better food, better entertainment, and it doesn't cost you or your kids a dime (except in taxes).

[Blaine]

I guess my Mom got lucky....Sis found her a real nice, reasonable place in Worthington Ohio. I drove out there from Tacoma last spring. They had a guest room, and they make it available for free for five days a year. 30 a day after that. The food was good, and plenty of it. They scrupulously followed the gluton-free diet my Mom requires for no extra charge. Naturally, one must have the necessary wherewithal to foot the bill. I think this one comes in at about 2800$ a month. She has real good insurance from a good job with the USGS that covers most of her Docs, and Meds. It's true: Over 90% of a lifetime's medical costs are the last few years of life. She's 92. I'm glad she is able to afford it.