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HELP me help this elderly lady
Vanity

Posted on 02/01/2013 7:23:13 PM PST by patriot08

A school friend and I have sort of a little project going to try to help the elderly.

We know this lady in her late seventies who needs help with life choices, finances.

She has no family. She is not in good health with several health problems and expects to be around maybe a year or two more at most.

She earns about $14,000 per year in Social Security. She has about $53,000 in stocks- mostly Walmart. She has about $4,000 in a retirement and checking account. She only owes a couple of thousand on her car. That's the extent of her debts. Car payments are around $200.00 a month. Medicare supplement is around $200.00 a month

She has recently taken a rent controlled apt for seniors that will cost $451.00 per month plus bills. It's very nice with all kinds of amenities for seniors.

I asked her how she would make it on her limited income. She said she had too much in the way of assets to be given HUD housing, food stamps and all the other things really poor seniors get, so she planned to 'live it up' for the time being, and spend it down (her assets) until she qualified for all the stuff destitute seniors are awarded.

I don't know quite what to tell her, so I'm going to the smartest people I know- Freepers.

Please don't judge her too harshly. She has led a good Christian, productive life (retired nurse) and is really a nice lady.


TOPICS: Chit/Chat
KEYWORDS: elderly
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To: Exit148

I know among her ailments are a heart condition and arthritis.


51 posted on 02/01/2013 9:53:42 PM PST by patriot08 (NATIVE TEXAN (girl type))
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To: donna

Now that’s a idea.


52 posted on 02/01/2013 10:00:10 PM PST by patriot08 (NATIVE TEXAN (girl type))
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To: patriot08

She may die in a year or two or have to go to a nursing home or she may not. Look into the best geriatric medical care for her issues. She will need to spend down if she goes to a nursing home before being eligible for Medicaid. Look into ‘Affordable Assisted Living’ in your area, better quality of life than nursing home.


53 posted on 02/01/2013 10:01:06 PM PST by iowamark
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To: All

Thanks to all my FReeper pals for your tips.
Keep ‘em coming.
You’ve been very sweet and helpful.


54 posted on 02/01/2013 10:02:16 PM PST by patriot08 (NATIVE TEXAN (girl type))
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To: listenhillary

not sure what state she lives in, but in Texas we have VERY nice Texas veterans homes and if she’s the widow of a veteran, she can go there if she declines in her health...


55 posted on 02/01/2013 10:02:28 PM PST by flowergirl
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To: patriot08

Before she uses up all her savings, convince her to get to a attorney to draw up a simple will and living will.

That’s the best thing you could do for her, that I can see. Besides being her friend.


56 posted on 02/01/2013 10:52:40 PM PST by Daffynition (The essential American soul is hard, isolate, stoic, and a killer. It has never yet melted. — D.H.)
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To: patriot08

Before she uses up all her savings, convince her to get to a attorney to draw up a simple will and living will.

That’s the best thing you could do for her, that I can see. Besides being her friend.


57 posted on 02/01/2013 10:52:57 PM PST by Daffynition (The essential American soul is hard, isolate, stoic, and a killer. It has never yet melted. — D.H.)
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To: patriot08

I think she has a great plan. Kiss her on the cheek and wish her well.


58 posted on 02/02/2013 12:59:49 AM PST by McGavin999
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To: conservative98; patriot08
Tell her to stop trying to live off the system.

That's right. Tell her she ought to go out get a damn job! (Sheesh!)

59 posted on 02/02/2013 3:25:40 AM PST by raybbr (People who still support Obama are either a Marxist or a moron.)
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To: McGavin999
What does she mean by “living it up”.

Vegas....

60 posted on 02/02/2013 3:34:25 AM PST by Hot Tabasco (Jab her with a harpoon or just throw her from the train......)
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To: UnwashedPeasant; patriot08

UnwashedPeasant,
You provided the best outcome for this woman. I love the fact that you said if she used her Walmart stock for rent, she would have 10 years worth. If she only has 2 years left, then she DEFINITELY won’t run out of rent money. The rest of the money can be for the car and medicare supplement and then she will still have money left over for small little entertainment or other things that come up. I think from everything I read, your post is the best and makes the most sense!


61 posted on 02/02/2013 4:11:41 AM PST by napscoordinator (GOP Candidate 2020 - "Bloomberg 2020 - We vote for whatever crap the GOP puts in front of us.")
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To: Daffynition

Thanks, Daffy.


62 posted on 02/02/2013 6:00:43 AM PST by patriot08 (NATIVE TEXAN (girl type))
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To: patriot08

Considering she retired with no pension and just $53k plus a car she couldn’t afford, I would say that money is the last thing she needs.

Her best bet is to pay off the car and settle in. She makes enough in Social Security to afford her rent and still have enough to live on every month. The real question is “Why does she think she can’t live on $1,200 a month”?


63 posted on 02/02/2013 6:08:05 AM PST by AppyPappy (You never see a massacre at a gun show.)
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To: patriot08
If her goal is really to become a ward of the State, tell her to sell all her stocks, sell her car, sell everything and go on cruises around the world until the money runs out. She can call her local DCF office from the port office when she disembarks her last cruise. One word of warning, she's not going to like how she spends the rest of her life.

By the way, is she a Democrat?

64 posted on 02/02/2013 6:17:13 AM PST by liberalh8ter (If Barack has a memory like a steel trap, why can't he remember what the Constitution says?)
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To: patriot08

don’t see the problem. She is filthy rich compared to some of the people I help


65 posted on 02/02/2013 7:05:32 AM PST by yldstrk (My heroes have always been cowboys)
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To: yldstrk
"She is filthy rich compared to some of the people I help"

Her expenses are so low that she has a ton of disposable income compared to most people. I wish I had that much spare income each month! :-) Really!

That extra cash can mean living well: Organic food, servants if she moves somewhere like Thailand, bioidentical hormones (do-it-yourself for cheap, because the doctors that specialize in this are super expensive).

She can afford to live well beyond 10 years and should not count on living only 2 more years.

Since she is a Christian and does not have to work, she can spend time cultivating her relationship with God and fellow Christians. Really a fortunate position to be in.

66 posted on 02/02/2013 10:06:10 AM PST by UnwashedPeasant
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To: patriot08

She does have have many options beyond her plan.

Good she lives in a senior center so they can help place her when she runs out of money. You need to be on hand to help her when this phase comes. You can do the research up front to know what housing options she will have if she does not die in two years. She may need to get on a waiting list now.

Since noone knows when they will die, the only unrealistic part of her plan is assuming she’ll only live two years. She’ll be around for as long as God needs her to be around. She is fortunate to have you to call and it’s a fantastic service project you are giving to her.


67 posted on 02/02/2013 10:10:09 AM PST by SaraJohnson
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Comment #68 Removed by Moderator

To: patriot08
Please check into "Humana: Extra Help", or Extra Help with Medicare Costs.
A friend of mine was having difficulty making ends meet, and couldn't afford her medicine any more.
Her insulin stick-pens were costing her $136.00 per month and there were other medicines she had to buy that added another $200.00 per month.
It took about 4 months to get her qualified with all the red tape paperwork, but it was worth it.
She had to take in all her bills and show Human (at Walmart) that her income was limited and she had no other support,
but after that she went about a month of verifying where she lived overt three phone calls from Humana to her home.
She got her discount cards, and now her insulin stick pens are only $3.00 per month.
69 posted on 02/02/2013 5:13:29 PM PST by Yosemitest (It's Simple ! Fight, ... or Die !)
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To: SaraJohnson

Thank you SaraJohnson


70 posted on 02/02/2013 7:57:16 PM PST by patriot08 (NATIVE TEXAN (girl type))
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To: All

Thanks again èveryone. She feels much better about her plans. Any other input is greatly appreciated. You people are great!!


71 posted on 04/21/2013 2:40:22 PM PDT by patriot08 (NATIVE TEXAN (girl type)a)
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