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Thread: Too rich, too poor...how do you pay for it?

  1. #1
    Senior Member willingtocope's Avatar
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    Too rich, too poor...how do you pay for it?

    So I'm employed. I've got good health insurnace. I make a higher than median salary for the area I live in. I'm old enough to retire, but, as I calculate it, I'm about $600 a month short of what we'd need with our CURRENT expenses. I'm over normal retirement age, so I have Medicare Part A...haven't applied for parts B, C, or D because of companies health plan.

    I've got MS. My wife has damaged her back. We need a caregiver. BCBS has decided that I have "plateaued"...therefore additional therapy and insurance paid OT/PT/HHC would not benefit me. Wive is still able to drive (with pain getting to the car) so she's NOT housebound, according to BC.BS. But, the reality is we're effectively house bound. Household expenses are at survival limits.

    I make too much to qualify for the many subsidized programs in Iowa...I don't make enough to pay $60 / day for a caregiver.

    Suggestions?

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    Senior Member TomRL's Avatar
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    Any chance you could find someone willing live in for free in return he/she would provide some care giving?
    Tom

    "Blessed are the pessimists, for they hath made backups." Exasperated 20:12

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    Senior Member willingtocope's Avatar
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    We've got a small 2 bedroom house (under water in todays market, so selling it and moving to a managed care facility would be tough), but a live in is worth a thought. Where would you find such a person?

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    Senior Member TomRL's Avatar
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    Got a college nearby? Maybe contact your church if your involved with one. I'll give it some more thought.
    Tom

    "Blessed are the pessimists, for they hath made backups." Exasperated 20:12

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    Senior Member willingtocope's Avatar
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    We do indeed live in a small college town in the middle of Iowa...but...since the college is very expensive and highly rated, I'd be surprised to find a student willing (or for that matter, needing) to work. All I see in the student parking lots are BMW's, HumVees, and an occasional Ferrai.

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    Does your wife have a doctor who would be willing to call her homebound? Who cares if you can drive if you can't do anything when you get where you're going? If you can show needing help for things like groceries, maybe they would consider that homebound.

    Are there any graduate programs locally? Grad students and junior faculty very often are poor. Maybe post an ad in the housing office (I'm in a wealthy university town and still always found graduate or post-doc housemates that way), as well as check the career services office to see if they have a place to list local part-time work.

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    Senior Member willingtocope's Avatar
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    No, our PCP is an idiot, and she had to break down in tears in his office before he would refer her to the local pain specialist. Pain specialist is treating her, but, does not yet consider her homebound.

    We do have a couple of pretty good home health care agencies in town. My internist did declare me homebound, and I am receiving visits from the HHC thru the hospital. Problem is, BC/BS says I've had all the rehab I need, so they won't pay for any more visits. My twice a week shower and 15 minutes of range of motion exercise costs us $600 per month out-of-pocket. There is a cheaper (by the hour) service in town who will even cook for us...$20/hr, 3hr minimum = at least $600 or more per month.

    There is a government program in our county that would pay for such things...but...by continuing to work, I'm about 3 times their upper limit.

    I'll look into the local college possibility...but even the junior faculty is very well paid here. Its a private college with an unbeleivable endowment (ever hear of Horace Greely? This is as far west as he got...).

  8. #8
    Quote Originally Posted by willingtocope View Post

    I'll look into the local college possibility...but even the junior faculty is very well paid here. Its a private college with an unbeleivable endowment (ever hear of Horace Greely? This is as far west as he got...).

    I agree that the college is a great option. You actually are wrong about all college kids being wealthy... especially at a crunchy school like Grinnell. The Grinnell website says that 85% of students receive financial aid, and many have a work/study portion. Remember - college now costs $50,000 per year! $10,000 is the typical portion for room/board, so I'm sure a student might like to save that. I agree that I would prefer a grad student, but I would still make an ad open to undergrads. You might find a pre-med student interested in learning from you.

    If you offer a room in exchange for help with what HH is doing now.... and just in case you get frozen at night and need a hand. That's a deal!

    Good luck to you.
    Last edited by hlh; 08-16-2012 at 10:13 PM.

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    Moderator jody's Avatar
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    Quote Originally Posted by willingtocope View Post
    We do indeed live in a small college town in the middle of Iowa...but...since the college is very expensive and highly rated, I'd be surprised to find a student willing (or for that matter, needing) to work. All I see in the student parking lots are BMW's, HumVees, and an occasional Ferrai.
    When I went to school at Creston, and lived in Winterset, I was a live in for a summer, and during the school year, I did the evenings and weekends, and still was able to stay because The ladies family could cover when I was in school. It worked out very well for me. Creston is a nursing college, where I was taking pre-vet to get into ames. I used the penny saver for ames area to advertise for another live in position. It is very possible you can find a student to help you out. We didnt have craigslist back then.

    The lady I cared owned the house in the movie Cold Turkey, and one time it came on tv, and she got very exited and started to stamp and wave her arms, (she was non verbal from a stroke) anyway, It was very cool when I figured out she was saying the house in the movie was the one we were sitting in. Everything was the same too as it was in the movie. it was the curtains waving both in the movie and in real time that finally got the point across to me. I learned a lot about life from that job and that family.

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