Why So Many Seniors Can’t Afford Long-Term Care
Aisha Adkins’ mother Rosetta was adamant that she wanted to age at home. So when Rosetta’s dementia started worsening at age 59, Aisha started looking around for options.
She quickly found that round-the-clock at-home care was extremely costly, and that her mother didn’t qualify for government assistance. Stuck in the middle, Aisha, who was 29 at the time, ended up quitting her job to take of her mother care of her herself.
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At first, Rosetta just needed help preparing meals and reminders to take her medication. But as her care needs deepened, Aisha had to learn how to bathe and dress and feed her mother. She and her father hired a home health aide for a few hours a week when they could, but most of the care fell to the two of them until her mother finally qualified for Medicaid through a complicated process called spousal impoverishment protection, which allowed her father to keep some assets.
“We faced so many challenges; it was really a struggle..