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Both my parents are alive and in their 90’s. They live in a very small tiny home in a crappy rural town with no care services. I’m too old to care for all their needs but they expect me to do it all. They can’t afford any kind of assisted living or nursing care. Now my mother has a malignant tumor in her breast. I’m getting exhausted with all the driving and care. She is showing mental decline too. What do you do with parents who need to be in a facility but have no financial means?

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Have them apply for Medicaid to assist them in their long term care whether it be in a nursing home or at home.

That is the only option I can see.

Good Luck!
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You apply to Medicaid for them. That's what it is for. Visit your local Agency for Aging and see what resources are available for your parents and to give you a break. It sounds like it is time for them to go into a facility.

By all means don't carry this by yourself. It's way too much for one person. Wishing you well as you find help.
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The financial means becomes Medicaid. That’s exactly who and when it was designed for. My mother required nursing home care, and it soon became necessary for Medicaid to kick in. Her care never changed. She remained in the same place, same room, same caregivers, same everything no matter how her care was paid for. Please don’t let your parent’s expectations rule here, your own health matters too.
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Your town may not have resources, but the state does.
preach out to churches, aging council, elders programs. There is help out there, you will have to dig deep to find it.
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Talk to their doctor. He or she can direct you to social services to help with other care options. Please be truthful with your parents that you are getting tired and need extra help. The tiredness is burnout. Getting them help from others (other family members, friends, members of faith community and/or paid help) will help them - and you - to have better quality of life.
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There is a group, called Palliative Care. They are similar to Hospice, but not. They are very cheap, if anything. As long as you have been a working American citizen and paid taxes, you are privy to them. I would look on line, or at your local hospital.
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You might have to start with Social Services. But I know there is help
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check for any social services that might be available.
are either of them veterans?
do they belong to a church or other social club that might offer help?
Do they have LTC insurance or a life insurance policy with a cash out benefit?
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Medicaid
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Good Morning,

Half the country is in this situation. It's quite common. Just a few things that came to mind...
*sell their house
*move both of them closer to you
*check out respite services for the person the parent that is better health
*have parents' primary care doctor do an assessment and write a script for homecare--VNA--nurses, occupational therapy, physical therapy, home blood draw, meals on wheels (some are better than other), mail-order prescription, have everything delivered.
*sounds like one may be eligible for a nursing home
*when you move your parents "register" them both in a Church and have the Parishioners come each week to bring them Communion, a bulletin and a prayer.
My mother loves this--9 people rotate and each week they come for 15 minutes on a Sunday and visit. Rain or shine, sleet or snow, they are even coming on Christmas Day! Mom gave them a poinsettia yesterday. There are a lot of wonderful people out there. It gives them ties to the neighborhood too.

You have to go where the services are. Lord forbid if something happens to one and you are not there and mother is unable to dial out. Will they wander. The fact that you are on this site you're wondering this yourself. "What if...one leaves the stove or or goes out without a winter coat in this "rural" town.

Don't get discouraged. Not everyone (myself included) is able follow the advice of Suze Orman. If my parents would have listened to her, I would not have been born since my parents had 5 pregnancies in 10 years. Point being, don't feel that because there is not a lot cash stashed away, you are out of luck, you are NOT.

Really know what is available through your parents medical insurance--durable medical equipment, OTC benefits (over the counter drugstore things) now dental is being offered on some plans for 2023.

As far as the house--would it feasible to rent it out for top dollar to someone who won't trash it or should you sell. Speak to an elder lawyer and the Nurse Manager at the primary care doc usually has a lot of resources--agencies.

Join the portal--this is the best thing. You can email the docs rather than waiting by the phone. The portal is great, you have up-to-date info and know the results as soon as possible for bloodwork.

Keep the blood draws to a minimum and make sure they don't torture your parents with multiple blood draws, Tues., Wed. and Thurs. Keep a list of any meds for each parent on the refrigerator and one in your wallet. Also include on list emergency contact. This needs to be done until you get them placed.

You didn't mention which State your were in?

Also in every neighborhood you get these wonderful people who sometimes have a nutty grandson. Word gets out if elderly people are alone. It's not like years when the neighbors knocked on the door and handed a plate of food in.

They need protection too. You are on the right track on this site. But a plan needs to be in place that works for your particular situation.

You are in my prayers...
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Kimbof Dec 2022
Just saying sometimes the Suzie Ormans and Dave Ramsey’s get on my nerves.
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Find an elder lawyer for assistance. The lawyer can help them apply for Medicaid. The home will need to be sold. Find a Medicaid accepting facility near you so that you don't have to drive long distances to see them.

Prayers.
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my2cents Dec 2022
You don't have to pay an atty to help apply for Medicaid. It is a free service you can apply for without legal (paid) help. Usually people use elder atty to apply for Medicaid when their income is slightly over the limit and they need to set up a trust to offset the overage. Also the home does not have to be sold. There is a section of the Medicaid application that asks if they intend to return to the home. Saying yes excludes the home while they are alive. There is also a MERP document, recovery of expenses, that would be signed dealing with the 'leftovers' of their life (what would be in a probate) at the time of death. The state could claim all or part of the leftover at the time of death, however there are certain situations where they would not do so. Such as a child who lived with them to care for them, keeping them out of a facility, for years preceding entry into a facility. Only leftovers that do not have designated beneficiary(ies), such as life insurance, move to probate and considered part of the 'leftover' estate.
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Ma’am I would call Hospice in the nearest large town and see if they can offer remote services. They may be able to provide advice on this situation. Hugs and prayers your way.
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If they are willing to go to facility for care, apply for Medicaid.
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For short term, check with local churches for volunteers to help. Any other family members that can help? Can you yourself afford to hire a caregiver in your place for a bit of help? Other family nembers that can pitch in $? This would all be until you can get medicaid to kick in. If you do sell their house, have them move closer to you, for sure. In assisted living or adult family home, etc. So you can visit daily. Where will she go for her breast cancer treatments? If closer to you, that will be a good reason to convince them to move near you. Start with an apartment if nothing else. Or extended stay hotel. Are there senior services near you tgat can help? Churches?
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Please look into Home Care! There are programs in every state that give assistance. We have a program here called IRIS. They are wonderful. They not only help with in home care, but also any accommodations they may need to help them in their home as well as provide outside activities. Your parents can choose who they want as caregivers ...that includes family and you can be paid for your time as well. That also gives you the option to use that money for their needs if you so choose.

Please avoid putting forcing them into any facility. Most of the time the neglect and abuse goes unnoticed until it is too late. They will be better and happier if they can remain in their own home.
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Grandmaofeight Dec 2022
My parents were in a facility that did a wonderful job taking care of them. Dad is gone and Mom is still there.

don't disparage assisted living or nursing homes, some of us have no choice.
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Another resource is United Way’s 2-1-1 program. Dial 2-1-1 or visit https://www.211.org. They acted anonymously when my MIL called to get help for a neighbor.
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Brokenalone: Your parents will have to submit a Medicaid application. Medicaid is FOR elders with no financials to support their elder health requirements as it pertains to managed care/nursing homes.
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