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Imho, since your almost 80 year old sister has stated that she cannot continue, of course, caring for your mother, what you COULD do next is to contact your mom's area Council on Aging. They will have on staff a dedicated elder case worker and no doubt a social worker. Start there.
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Mind boggling . I scanned all the answers. It could be as simple as a promise that was made to the mother that she would never be put in a facility. Some time it is necessary to break a promise to keep the loved one safe. There must be a council on aging in their area and that would the first place that I would contact. Medicaid is out there to help if mother qualifies. Support groups help. I may very well end up in this type of situation and I pray I will be strong enough to do what needs to be done to keep my loved one safe and my own sanity .
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Where has mother’s money gone? She isn’t going shopping, and she hasn’t paid to repair the house after the flooding. Her pension should at least cover food. Has her money gone to pay Sister and other family members? Is that why it’s run out? Is that why Sister is tossing in the towel? Is that why Sister won’t let other family members get involved in decision making – to see what has been happening with the money? Does Sister know that Medicaid may not take kindly to this?

None of these questions suggest that Sister has been fraudulent – it could all be true, and still be what Sister thought was best. But it does suggest a possible answer for why things have reached this impossible situation.
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FloridaDD Nov 2020
I don't know what the pension you are referring to is, but many elderly people have SS that will NOT cover taxes and utilities (forget about if there is a mortgage).
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Call adult protective services. Tell you sister what you are going to do so she does not sabotage. A good investigator will see thru that as he is going to look at her creating a danger to herself. All that comes from her brain and she is beyond any talk or rule giving. Your sister tolerates your mothers behavior due to longivity of problem. Adults by law can live in any kind of environmet until they are a danger to themselves and your and sisters efforts do not work with your mothers problem.
She is medically incompetent.
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