MikeD's Posts

THE PERSONAL FINANCIAL COST OF CARING AND TREATMENT OF AD

In the last four installments of this series I have discussed issues pertaining to Care, Cost of Care, source for the Care payment, Treatment beyond issues of institutional Care. I have given emphasis to economic needs of creating more programs to treat those of us in early stage in order to stay in Early Stage longer. This will save the Community the Cost of Care of providing home care and institutional care that will soon enough be required.

Quality of life is another important aspect of providing modalities of care designed to keep folks in Early Stage Longer. Taking medication, following the Mantra: Eat Right, Exercise Daily, participate in Social Creative Intellectually Stimulating Activities, will keep us here longer. For this we need a lot of help from the Caring Community. We are unable to wholly provide this ourselves. We can provided for our care but we have a disease that presents many difficulties in carrying out all that is needed.

In dealing with Alzheimer’s Disease (AD) the Community, particularly the Legislative, Administrative and the Caring Communities dealing with AD need to take a whole and an holistic approach to care and treatment.

Those in need of care are everyone affected by this disease. The object of Care needs to address the Universe of Need. That Universe includes all of us affected or afflicted. It includes all of our needs from supportive help to in home and institutional palliative and end of life care. AD produces trauma of many shades to those affected. All of them and all of it need to be provided in a positive, helpful, compassionate way addressing the heartfelt pain of dealing with it.

We need programs designed to provide Complete Compassionate Care to the Community in need by the Community positioned to provide it.

This is the spiritual and public duty we owe one another. My Blog and all of my writing speaking from the platform of the Early Stage of this Disease is my way of trying to do my part for others. I ask all of these who read this to join me in this endeavor.

If we don’t do it with our hearts and our souls lets do it through our financial self interest. The Cost of this Disease as it Escalates as more and more become in need will overwhelm us economically. It is spotty now and needs so much improvement.

Today my topic is the Personal Financial Cost inherent in dealing directly with this disease. I have a paper on Financial (Estate) Planning for AD. It is too long to run on this Blog. For this reason it is in my Archive and linked as: ESTATE PLANNING FOR ALZHEIMER’S
Click on the link and it will take you there. It is addressed to those not rich enough to comfortably pay their own care but having more than qualifies for Government Assistance. This group, Middle Class, comprise a huge donut hole.

They have no help and must spend all they have before qualifying for help. At first blush this seems as it should be. But, upon stopping and evaluating what this means it boils down to quickly to this:

UNLESS YOU CROAK BEFORE YOU SPEND IT ALL, WHEN FINALLY YOU PAY IT DOWN TO QUALIFICATION, THEN, THE REST QUICKLY DISSIPATES IN LIVING EXPENSE LEAVING YOUR SPOUSE IN POVERTY!

THIS IS REPREHENSIBLE! THE ESTATE PLANNING CONSEQUENCES OF THIS DISEASE OF NOTHING BUT APPALLING!

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