Help for early on-set Alzheimer’s
Hello, my husband now 58 was diagnosed 4 years ago with early on-set Alzheimer’s. Unable to work, was able to qualify for disability after the long wait period. I still work full-time and because of my income and my husbands age, he does not qualify for any type of assistance- Medicaid. Private pay is quite pricey. So frustrating, any help/ideas would be much appreciated.
First, I want to say that I am sorry about your husbands diagnosis, that cannot be an easy thing to go through for either of you!
is your husband a Vet? There are many resources for Vets that people are unaware of.
When you say "assistance" , a re you looking for caregivers to come into the home or looking for a supportive community to setting for him to in?
I'm very sorry to hear about your husband's diagnosis and hope you both are managing as well as possible with many good moments along the journey.
I wish I had a more helpful answer for you, but being in a similar situation I thought I'd at least say hello and note that I've run into the same challenge. My wife was diagnosed with an undetermined (still) type of dementia about 6 years ago at 44 yrs old. I work full time, have two young kids, and my income is also too high to qualify for medicare (doesn't take a lot). Like your husband, my wife now gets disability which helps.
After meeting with an estate planning attorney a few times (a few years back) I came to understand it boiled down to what seemed a tricky and risky (to my limited understanding) financial maneuver to change our retirement funds into asset types the SSA/IRS wouldn't factor into Medicaid qualification (annuity, primary home equity are the two I remember). We aren't wealthy but have saved some money over the years into IRAs - end result was I didn't see any path to get her qualified for Medicaid without major changes to my/our retirement assets that made me very (even more?) uncomfortable about the future. I essentially weighed the risk of trying to go without Medicaid, paying for home care as we went as best I could, vs. the risk of serious alteration, and in my view, reduction and limitation of our financial future. Of course we are very fortunate this was even a decision point. I feel deeply for all going through anything of this nature, and the complexities and stress of financial and legal planning really are difficult. I'm sure I didn't understand all of it completely. In the end, some level of in-home care support should be part of Medicare, not just Medicaid.
Again, I wish I had useful information to offer you. For what it's worth, the pay range over the past few years has been $18/hr to $23/hr here in northern VA, both direct and through agencies (which generally didn't work as well as direct). I hope you have some family or other help and are able to take care of yourself while you take care of your husband.