I have had years of being too tied to mom. I feel guilt bacause she is in bad place. But it was her doing. And she wont take suggestions. Wont accept help in the house. She complains about feeling pain, etc. Has the money to pay someone to help her. But is worried about brother being homeless after she dies. So she won't spend anymore than she has to. She insists he has to live in house when she dies. And will need lots of money for home and living expences. He has personality disorder and cant hold a job. He gets SSI. Been emotionally drained from mom several times over the past several years. Have to start concentrating on my own life more. She is 89 years old and uses a walker. Has several health problems. Brother lives with her. But doest help much. He is selfish and lazy. Most of my contact with mom is by phone. I only live anhour and a half away but. I go see her two to three times a year. I'm going to see her four times a year starting this year. Partly for her and partly to see when she gets so bad that I have to try to force help on her. She doesr want volunteer to help eighter. She has several reasons. And her being rigid, no one can influence her to do it.
Barbara
You most likely have been patient and " been there" for them both over the years. It's never as easy as it seems looking in from the outside.
Do what you feel that you can with the energy you have, find a good support group to help you set healthy boundaries and learn to separate your feeling of "daughter guilt" from your Mom's right to manage or mis- manage her life as she sees fit. The hardest job is that of the loving relative who has to stand by and watch because you can't do anything to help. My heartfelt apologies, for a curt response.
Best of luck to you. Your are in a tough spot.
Getting an uninterested party set up as Payee might be a good idea. It would take the pressure off a bit.
Whatever bond ther is between brother and me is practically non existant. Mom doest have quite a lot of money. But she isnt poor eighter. It's just that she uses her savings to live on. Her income is a small social security check.
I am going to get profesional to run trust when mom dies. Wish I could get guardian for brother and mom. They both have legal right to make their own decisions. They are not incompetent. Just not realistic.
Barbara
Other people will be far, far more knowledgeable about such options than I am, but surely it's time to look into what kind of guardianship-type arrangements can be set up for your mother's and your brother's long term care so that you can resign your involvement, and back out with no disgrace.
As far as I understand it, unless you can predict with any reasonable certainty how much money your mother's long term care might be expected to cost, you're not free to tie up her capital in your brother's trust in any case, are you?
But look. The idea of being legally responsible for this kind of major financial task, on behalf of people who won't or can't or anyway don't communicate openly with you at the very least - let alone co-operate or show any flexibility - well, it's just Mission Impossible. Why should you feel guilty about resigning it?
And caring for your brother doesn't equate to trying to deal with him in order to act on your behalf. Just because you care about him doesn't equip you with the kind of professional techniques that are needed to manage his behaviour, and vice versa not being able to work with him effectively doesn't mean you don't care about him. Also, although there is a bond between you, and naturally you feel something for him, that doesn't make him easily loveable. It's not of your making. It's sad, but it's not cause for *you* to have regrets about: what did you ever do to deserve it?
Given that it sounds like there is quite a lot of money to handle (even if most of it is spoken for by their care needs), and given that your mother is not helping you make sensible plans, and given that your mother may and your brother will have quite substantial needs looking ahead… I think it's a job for a professional, and you should hand over on those grounds quite apart from the emotional ones.
And actually, thinking that through, won't knowing that the plans are in safe hands make you much more relaxed when it comes to dealing with them purely as family members? Won't it take a lot of anxiety out of the picture?
Hugs, I know there's nothing simple about it.
Cant comuicate with brother or mother. Both stuborn and have their emotional problems. Mom makes poor choices out of anxiety, rigidity, guilt about brother (she didnt dicipline him till age 10 - he had bad ashma), spent more time with her mother than my brother when he was growing up. Grandma had frequent nervice breakdowns. And she just doesn't want brother to be homeless. I care a little about brother. But we dont have relationship. Mom was alway partial to me. And he knew it. I tried to tell mom to stop. That it made things bad for me with brother. She wouldn't. His excessive anger from his personality disorder is part of what makes him unreasonable. So both mom and brother only see things the way they want to. Reality has no place in their life. This is my family.
Barbara
Maybe it is too hard to be closer to her when she won't help herself or do anything that you suggest to make her life more comfortable.
It may feel uncomfortable but you might have to get in there and spend one day each weekend at her place helping her plan for the future.
your brother will need a special needs trust when she is gone to allow him to get income for life and the house with out losing his SSI.
Other wise he will lose his SSI and his Medicaid which is not a good idea. Plus if he has problems he may not manage the money in a way that will allow him to keep the house.
Mom could purchase a term life insurance policy that will go to fund the trust and she could place her home in the trust already while she is alive. She can lease the house back until her death.
Try to show her that you are interested in helping not changing everything she wants to do, but helping in a way that benefits both her and your brother.
An Estate planning attorney can help her to get her financial goals in place and still provide some money for her own care.
She does have the right to neglect herself but only to a point.
Your Local Alz and Dementia Agency should have some support groups that you can attend to help you to go through this process allowing your Mom to do as she pleases. ( Even though you don't think it is in her best interest) .
Good Luck to you. It is difficult to be in a situation like this.
I read on another post that thedaughter had to think of her mother as a client rather than her mother in order to cope with her. I'm trying to think that way.
Barbara
You cannot force your mom. I agree 100% 'pray for her and let God take care of the rest.' God has ways of letting problems sort themselves out. Be at peace.
Emotionally separating is for your survival and protection and that is good. Keeping in touch with her by phone and visiting 4 times a year to see what kind of needs she has and what is looming ahead is good.
Preparing yourself to intervene when you deem it necessary is good
Looking after your own emotional heath is good.
You certainly have my support. I have had to do the same thing,
Does anyone have POA medical and financial for your mum? You may have mentioned this in another post but I don't remember.
Have you some activities on mind to engage yourself and develop your own life?
Keep us updated. I wish you well in this very difficult situation ((((((((hugs))))))
Finally, seeing a lawyer about asset protection is definitely a very smart move. You can definitely ask the lawyer how to protect against any potential threats of losing the assets and you may ask the lawyer about any concerns you have. I do hope that everything does turn out very well in the end because I would hate to see this brother continue scraping by and barely making it when he can have a far better life.
There are many sad tales on this board of lovely parents who gifted or saved their money to leave to their children, disabled or not. Unfortunately, you need to understand how the needs assessment system in your particular state works in order to satisfy requirements, not assumptions based on what your neighbor told you 20 years ago. I believe that Barbara's heart is in the right place; she understands that her brother is disabled and worries about his future. But mom is not going about this in an intelligent sensible way, and I believe Barbara fears that she will be forced to care for her brother after Mom passes on.
"Giving up one's life" for another is something that some may choose to do; but is should be a conscious choice and not something foisted upon you.
When you're on SSI, you are allowed to own a home. However, when you own a home, you must be living in it and it must be your only residence. That means you can't have an additional vacation house elsewhere. That home must be your primary residence. Since your brother is most likely renting, this may be exactly why your mom insists on your brother living in her house when she dies. Instead of paying monthly rent, she is trying to give him the opportunity to own a home and just pay annual taxes. Anytime you're given this kind of opportunity, you want to save the money you would've paid on rent and just set it in a special account each month and don't touch it. When you get your taxes and find out what you owe, you can pay your taxes out of the money you saved throughout that year. Save what's left toward next year's taxes and keep building on it by continuing to put money away by repeating what you did before. If you put money aside for property taxes throughout the year, you'll have no problem keeping your home. What's especially hard though, is having to cough up a bunch of money toward major repair as well as minor ones. Let's say the furnace goes out or the roof leaks. These are major expenses every homeowner should save for. When SSI is your only income, this can be very hard if not impossible. This is probably what your mom has in mind, which is probably why she's saving money for his future and provision to stay in the house. I think this may very well be why your mom has really pulled the purse strings and tighten the belt by not spending any more than she must on anything. I don't blame anyone for wanting to help someone who needs it in this particular case because that's how it should be. When your mom is gone, that extra money is probably your brother's only chance at a better life. You may be able to survive without that savings, but he cannot. I can tell you that being on SSI and having that is your only income is not easy, and I don't blame your mom for wanting to provide for him when she's gone. I would do the same thing if I had a child who got only SSI and had no assets.
I think the reason why your mom is being so stubborn right now is for a few reasons. I think your mom wants to keep her independence for starters. No one wants to become dependent in their old age, no one. There is also a thing called self-preservation, and people will go out of their way to cleverly come up with ways to protect themselves and to make sure their plans are carried out.
As for her not wanting outside help, let me tell you that sometimes that help may be coming in to help all right, but end up helping themselves by stealing from whoever they're "helping". In this particular case I wouldn't blame her for not wanting anyone in her house. In fact, the elderly often become targets for theft and even scams. I think your mom is probably just trying to protect herself and any valuables that she has in that house, and I don't blame her if she's protecting valuables. We all obtain valuables at some point or another, and as we age we start planning our estates and writing out our wills in order to transfer certain valuables to certain people. If someone comes in and steals expensive jewelry that was included in your will for someone else, that jewelry is gone. There may be antiques in the home, and when you have antiques or any other valuables, your instinct is to protect those valuables by limiting who comes in your home, especially when items are very expensive and valuable. Your mom may be protecting things you don't even know about because it may be but she is protecting those items for certain people she intends to will them to when she's gone. In this case I don't blame her for being afraid to let anyone in the house, especially these days when the crime rate has increased. It may be that she just doesn't want anyone to know what she has, and as soon as you start letting people in, sooner or later someone will start snooping, which is how theft happens. The best way to prevent theft is to first be careful who you let in and never tell anyone what you have, and I'll explain why:
One time a friend was caring for her special needs daughter. She kept all of her daughters medical records on her laptop. People always came in and out of her house and she thought nothing of it. She often had her laptop sitting on the kitchen table near the door. One day that laptop came up missing along with her daughter's medical records. She sent out an alert on social media to all of her contacts. Most of us who didn't even know about the answer that were actually surprised as well as disgusted that something like this would happen. Apparently someone who knew her snuck in and stole the laptop, and it may have been someone she didn't know as well as she did other people, we don't know. All we knew was her laptop was missing and she never got it back. The last time she saw that laptop was on her kitchen table, and next time she turns around it's gone. This is why people should always be careful who comes into their house because you never know who may turn out to be a thief. This is also why valuables should be protected.
Again, your mom may have very legitimate reasons to protest outside help. As long as she can make decisions, I'm not sure there's really much you're going to be able to do in this case. All you can do is just watch over her and make sure no one takes advantage of her. You'll definitely want to make sure she has a will. That way, her intended wishes to provide for your disabled brother will be carried out. As long as you're disabled brother is actually paying his bills and buying his groceries like he supposed to and not wasting any of his SSI money, there's no reason why your mom can't help him when he comes short toward the mid to end of the month which is often when SSI recipients tend to run short. If the recipient has parents with more money, it's very normal to turn to family for extra help. Living on SSI is very hard, and this can depend on your monthly expenses.
What you can help your brother with is to see where all of his money is going and to guide him as to what he can do without. Let's say he has cable for instance. You can check to see if he has extra channels beyond basic. If he does, you can advise him to drop those extra channels to save money. If he can live without cable, you can encourage him to cut it off. You can also have him over to watch TV if he actually uses his cable and you intend to encourage him to cut it off to save money. Leave an open invite somewhere for him to come over and watch TV is what I was thinking.
Another thing is if he pays for a cell phone. Why pay for a cell phone when you're on SSI when there are free government phone with free airtime? There's another area where he can save money. A free government phone such as safe link or assurance would save your brother money he can't afford to spend. Let's say that sell phone he may have now runs $40-$60. That's money that could go toward groceries in the later part of the month. This is why there are free cell phones through a government program.
If your brother has a vehicle, check to see how much insurance he's paying, because there are most likely areas within your policy to make cuts and still keep your same coverage. Let's say you have full cover with certain benefits and you pay $40 for instance. If you call your insurance company and speak with an agent, you can still keep your same coverage but have your agent find certain areas where you can cut your bill down to $20 and still keep your same coverage with those benefits. I did this with progressive because I was paying $40 for quite some time and I was told before there were no discounts and that I was already paying the lowest amount possible for my coverage. When someone close to me found out, I had to explain to her the situation and she said call them back because I was paying the same amount she was and her husband were paying for two cars. When I told her that I checked on this once before, this is why she said to call them back. I didn't want to give up full cover because I had certain benefits including free towing. Reluctant, I called my agent back and told them what this person told me about the ability to cut my bill in half and still keep my coverage. I told my agent about the situation and I'm so glad I did because my bill is half of what I used to pay, which is more breathing room for a tiny SSI check.
Another area you can help your brother with is to see what his grocery bills run each month. Where he's shopping may not be the cheapest because groceries are definitely expensive these days. You may help him to start using coupons if he pays too much on groceries. Let's say he has a Hawkins or even a Buehlers in town. Let's say there's also a save a lot in that same town. Groceries at save a lot are much cheaper than Buehlers or Hawkins.
Any possible areas that you can encourage your brother to save money will help him lessen his need for his mom's money. That's not to say that he won't need help sometimes because of how little SSI pays out. SSI is a very tiny check, but there are ways to cut costs if you look for them.
As for the situation with your mom, another reason why she could be saving is for other personal expenses and to take care of herself as she ages. If she doesn't have Medicaid, she may very well have to pay for certain medical expenses such as medicine out of her own pocket. I'm sure that your mom probably has a very good legitimate reason for pinching every dime possible. This is something to consider because many people are like that. There are legitimate reasons for saving every dime possible, and then there are downright tightwads. There is a difference between tightwad and self provision for later necessary expenses.
Another thing I was thinking is maybe your mom is saving up to also pay for her final expenses. If she has life insurance, it may or may not cover everything such as grave opening and closing. I have heard horror stories where families have been told to cough up money for opening and closing. This is why it's always a smart move to save money for emergencies because you never know when you'll need it. Scammers know the elderly save money, which is why scammers target the elderly. This is why someone should be watching out for your mom. Scammers don't care who they hurt or how they may be robbing the intended victim because they don't care what they are taking away from those victims.
It may even be that your mom may not be getting much money and she just doesn't have the money to spend. This is just another slight possibility to look at, but I highly suspect she's probably saving to take care of her disabled son.
As for your mom's stubborn nests, all you can do is back off. If your mom starts declining too much, you may want to involve the APS as well as a lawyer to help you through the next step. If she must be placed into a nursing home down the road, there are things to do before hand such as putting any and all savings into a trust or other special account well in advance. In order to protect her house, it may be a smart move to transfer it over to her son well in advance of going to a nursing home. This will help to protect her assets so the nursing home cannot take them. If she ever needs Medicaid, they will most likely put a lien on the house and take from any sales proceeds to reimburse them for taking care of her. This is why transferring her house to her son now would be a wise move as well as taking steps to protect the savings that she intends to go to him. Perhaps taking those steps now would be very beneficial in various ways.
Your comments are so profound and well stated!! EVERYONE on these boards with these same issues (all of us?) would benefit from reading what you just posted!
Hadnuff, from what you say there appears to be two important factors that contribute to your sense of guilt. One tell tale sign is being "tied" to your mother for so many years. I am assuming that you mean emotional entanglement in the mother/daughter relationship. This can come from your mother's perceptions and expectations of that relationship which may be somewhat distorted and put unrealistic expectations on you. If I may share my own emotional entanglement with my mother, she would always say things to the effect of I really wanted you (as opposed to my other siblings? and "I don't know what I'd do without you (is your love based on duty/how much I can do for you). She expected me to have the same values, interests, tastes. I, too, was exceptionally close to her growing up and spent so much time emotionally protecting her from dad, who tended to be emotionally abusive and drank too much, that I didn't realize just how dysfunctional it was. I do love my mother, but as an adult I can see where the psychological boundaries were so often broken. Everything I did had to meet with her approval. In fact, looking back, I realized in some ways I was just as afraid of mom as I was of dad. How ironic that in dad's last years we grew so close and I truly loved him and forgave him for the things he did in the past. Now that I am an adult, I see my past/present relationship with mom in a new light and it is rather sad that this disease only illuminates my mother's dysfunction more than ever.
The other factor is burnout. Even though you are not there physically, there is still contact. She is still present in your mind. In fact, hearing her voice and not being physically present has its own type of distress. On the one hand, she is saying she doesn't want help, yet there is a nonverbal message that - you fill in the blank. Is it that you haven't done enough for her, she's disappointed in you, she's in pain and wants you to fix it, why are you doing anything about it. I live with mom 24-7 and she, too, rejects services from the community yet constantly expresses how she can't deal with the loneliness, boredom, anxiety, depression any longer. My hands are tied yet she gets furious with me when I go out to get groceries (which she always complains there is never enough of) or my part time work or church. It is very hard to feel emotional love when that manipulation is happening. However, love is not an emotion, it is a behaviour. It is okay to feel ticked off, disappointed and to take a stand, set psychological limits. If you don't want home care, of housekeeping or day program or whatever other service is available and appropriate, that is her choice; however, these are the consequences. I cannot rescue you. If I don't take care of myself, I can't be there for you. Empathy is not identifying with the pain, it is understanding how the person feels and acknowledging it. If you identify with the pain, you become just as distressed as your mother is, then tends to lead to anger and guilt. I love you, mother, and I will do whatever I can to support you, if you accept it, but I cannot go down this road with you. After all, what is guilt - it's a feeling that you should have done something you didn't do. How can you realistically help your mother? What can you realistically do if she refuses to accept help? I find these days, the only true way I can help my mother is to pray for her, then let God take care of the rest.
You do have one duty to your mother that I think you might find it helpful and comforting to work on: you have a duty to respect her choices. You can think, you can even say to her, "mother dearest, your life would be easier and your welfare more secure (and my worries about you significantly reduced) if you were to accept more help/evict my brother/move to an easier, more manageable home."
But once you have formed your opinion, really and truly *accept* that she, like any other competent adult, is rightly free to act on her own decisions.
And then you support her in them. As you are doing - by standing by, keeping watch, and being ready to help her when she's ready to let you. You're doing nothing wrong: separate your natural worries about her wellbeing from guilt you don't deserve to feel.