Mom doesn't see issues. NSF charges pile up, prop taxes not covered. How do we tell her we're handling the finances now?

When my mother started showing signs of dementia, I had to scramble to learn and understand. At one point, she said it was "all too much to take care of", but when I offered to take over her finances, she said no, it gave her something to do. She did start making mistakes, so we had to revisit the EC atty and set up a trust for the bulk of assets and condo. Her trust is irrevocable, so she isn't even allowed to "manage" it. We didn't "need" any doc notes or POAs to "manage" it. It was funded and waited until it was needed. It wasn't used until she moved to MC. Then the funds were needed to cover the balance of the facility AND pay the condo bills. (mom would not remember, but would also get angry if we tried to mention "D" to her, so we never talked about that!)

I didn't wait for her to agree. I temp forwarded her mail so I could get bills, addresses, account numbers, etc to set up bill payments, and phone numbers to contact them and change the mailing address. She did get notice of the forward, but didn't complain, much... Two of us had been added to the CU account many years prior, so with POA in hand, I closed a bank account and deposited it all in the CU account. Initially I let the statements go to her, but she had odd filing habits, so I changed the mailing address. When she got the insurance bill I missed (forward was only about 1.5 months, the insurance was billed yearly, much later), she tried getting checks sent - they went to me. She called again, but they told her I had them. Never heard about it.

That was all fine, except she started going through old paperwork. Without going into the details, I HAD to get them all out, so I had YB take her out and "swept" the place clean of ALL paperwork! As someone else said, out of sight, out of mind! She never mentioned missing anything.

If you have POAs, you should be able to take them to the bank and take over her accounts. Have them change the mailing address. Depending on what kind of trust it is, you should be trustees already - if not, it should stipulate when. If the doc notes are needed, use them ASAP!

Call the town tax person and explain a bit - ask for a balance and change of mailing address, so that you can pay it down. Any other bills in arrears, contact the biller and make arrangements to pay the past due amounts.

I would NOT wait for her to agree. She may or may not, and even if she does agree, she could forget that in a minute, an hour, next day. You've already encountered that. There's no point now to wait for her to accept this, just DO IT!

If possible, get her out of the place and take any/all paperwork, statements, bills, etc. They are just reminders, which you don't want. If you request temp forward of the mail, be aware she WILL get notice, so be prepared to snag that from the mail. This isn't to be underhanded, it just avoids questions, anger, etc. NOTE: Federal mail (SS, Medicare, IRS, etc will NOT forward.)

If she has SS, the only LEGIT way to manage her funds is to sign up to be rep payee. She doesn't have to be there, you don't need legal help, there's no fee. You call local office and make request. Likely done by phone now, but they ask Qs and submit. She WILL get notice of this as well, so be prepared! It does give the person the option to refute, so it's better to snag that as well. If approved, you'll have to set up a special account and report yearly. Not a big deal. Keep good records - report can be done online, easily.

If she has a pension, you'll have to check with them to see how that would be handled. Mom's was federal, so THAT was a pain in the butt! The fed agencies do not honor POAs, they have their own rules and forms. Because the mail doesn't forward, you need to work with them to be sure you get the mail, statements, 1099s, etc.

JUMP on in and do what needs to be done. It won't get any better, only worse, if you wait!

Stop trying to explain if she just forgets the next day. Just start doing everything that needs to be done, as much as you can, without involving her at all. If she squawks, humor her and keep doing what you need to do. She's probably not retaining much of anything, and her condition is probably much worse than it appears.

Next Dr visit you tell Dr you want him to sit down with Mom, look her in the eye, and tell her she has ALZ. She may believe him instead of you.

You do realize that if Mom is living alone, she should not be. So decisions will need to be made where will she go. To a childs home, to a nice AL if she can afford it, hire aides.

Mom has a Dementia. I am assuming the Drs letters are needed to make the POA effective. Once in effect, the POA now has the responsibility to make decisions in the best interest of the person who assigned them. It is now no longer what Mom wants but what she needs. If you don't take her out of her home, then you have to take her financial paperwork out of her home. Out of sight out of mind. She is not capable of handling her own finances. If she has no money to pay her taxes, then the house may have to be sold to cover back taxes.

Mom will probably be mad. It will be hard reasoning with her because that is one of the first things to go. The ability to reason.

So sorry you are dealing with this. The tables have turned, Mom is now the child and you are the adult.

Anosognosia. Lack of awareness of her own condition. She will never get it, no matter how much you explain it. She probably won't even believe the doctor. For the rest of her life, you must humor her and make her feel is in control, even though she's not. Humoring her won't be as hard as you think, because her mind is way gone already. Others on this forum have suggested things like a purse full of plastic gift cards that look like bank cards, or even a separate bank account for her where you put a limited amount of money in every month, so she can still go through the routines of shopping or going to the coffee shop. Humoring her in this way will help her retain her fantasy that she's living independently. Unfortunately, humoring her in this way will make you depressed as you realize you will never have your rational, capable, reasonable mother back again. https://www.agingcare.com/articles/anosognosia-dementia-patients-cant-recognize-impairment-210090.htm

That's one awful conversation to have with a parent, so take it slow and be kind.

Nobody wants to be told they're slipping. But when your mom is actually suffering, either mentally, physically or monetarily, she needs help.

I agree that the next Dr. visit should be a 'come to Jesus' moment. She might actually be relieved.

Once the POA is in effect, just start at the beginning and get her finances straightened out. Can you access her bank accts NOW so as to avoid NSF from occurring? Those can sink you, but fast.

And yes, mom will probably be mad. Let her know that what you are doing is out of love, not judgment. Well, a little judgment.

I'm baffled by Drs who keep this info from patients. My mom keeps asking me what's wrong with her--she can only carry a conversation for about 10 minutes and then she's just in la-la land and she gets more and more frustrated. Her doc has told YB that she is level 'such and such' with dementia, but has not told her. She is at a stage where she'd probably be relieved to KNOW that something's not right. I know. We all do, but YB has told us not to say anything to her.

Be sure to keep meticulous records of all your actions.
As you said, you have told her of the necessity of your managing the Trust. Do that through a lawyer. She won't remember it, but it will keep her finances safe and you will be able to pay her bills.

“The bank says that all accounts must be done online now Mom. Don’t worry, we’ll help you”.

Unless the geriatrician has some VERY SPECIFIC REASON for telling her she has dementia, don’t tell her.

I don’t have to deal with this issue so this may not be relevant. But I watched my parents lie to my aunt about her condition after they put her in NH. She was never told that she could have gone home with live-in help or that her house had to be sold. She was deprived of the chance to give things to people instead of having everything auctioned off for nothing. And she KNEW something was wrong with what she was being told. It was a kind of gaslighting that bothered me a lot.

There has been some good advice here about saying things in the right way. She has cognitive decline that isn’t going to improve, so what good does it do to convince her of that fact? Won’t she just forget it? There’s already a trust in place and trustees to manage things. Once you have the official go-ahead, just do it. The idea of changing the mailing address is great. Just be sure to consult a well-recommended elder care attorney who can make sure as much of her assets are preserved as possible and prevent any future squabbles about the estate. Tell her the bank now pays everything automatically (which is easy to set up and true) so she doesn’t have to worry about it. Put a freeze on her accounts at all three credit reporting bureaus so no one can take out credit cards in her name. Can you transfer her money to a different account and have them just be very slow about sending new checks? As in never?

It’s the details like bill paying that cause problems and if they can be taken care of, there’s no need to make her “face the facts” of dementia. Respect what mental powers she does have, maybe see if there is a way to occupy her mind with crossword puzzles or games or reading, anything she can still do so she retains some personal dignity. The idea of a fake gift cards and a wallet with some cash in it was great. Maybe set her to writing down her family history-many people remember things from long ago better than things from five minutes ago. Good luck.

I started slowly with my parents. I would casually look at their mail, check dates, ask if it had been paid. After a while they would start handing me items and asking me to explain them (especially junk mail). I was careful not to criticize them, they were often confused about what they needed to do. It’s difficult for many seniors to admit they need help.

After Dad died I would sit with Mom and go through her mail each week. She would write the checks as I watched and I would take them to the post office. As I had her POA I set up a lot of the payments online so,she didn’t even get a bill. I was a co-signer on her checking account so that I authorize the payments.

And now is the time to make sure all the accounts have up-to-date beneficiaries.

Do what needs doing, tell her what she asks about or anything she needs to know, in digestible formats.

Your mantra is "I am acting for you, with your authorization." Which is true. As well as more palatable than "we're in control now... [manic guffaw]..."

What is your mother still attempting to do? Any major problems with, e.g., her *successfully* transferring money where it ought not to be going?