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I could probably do flexible in-home work, but my surviving parent has dementia, and I don't like to leave her alone at home for very long. Even a parttime job takes up time with commuting. I am really worried about my future finances.

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Medicaid would be your best bet, to finance mom's care in a Skilled Nursing Facility, like Funky said. Then you'll have to ignore people who try to shame you for 'putting' your mother in a 'home' and all that nonsense, and just turn a deaf ear to it. Not many people can afford to give up their income to care for a loved one full time at home, giving up their Social Security benefits down the road, and all the rest that goes along with not working. Not to mention, your mom will get 24/7 care in the SNF and socialization with other elders she can become friendly with. I myself am 63 years old, have worked since I was 16, and have had 3 jobs in 2020 alone. I've always got something cooking to bring in extra income, it's necessary these days to make ends meet. In 2021, I plan to have 2 jobs and slow things down a tiny bit.......LOL!

In the meantime, if you could work from home on your computer, that would be good!

Wishing you the best of luck sorting it all out.
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If you are truly worried about your future finances, then it's probably time to apply for Medicaid for your mom, so she can then be placed in the appropriate facility, and you can get on with your life and get a decent job, before it's too late. Things with your mom are only going to get worse, and it will more than likely come to the point where you will have no choice but to place her anyway, so best to get your ducks in a row now, so you're prepared. You now have to do not only what's best for your mom, but also what's best for you. And only you can decide what that is. I wish you the best.
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If the person you care is essentially poor, and so are you I ***HIGHLY*** advise you to put her on Medicaid and send her to a nursing home. If you financially depend on the person you care for, there will have to be a caregiver's contract set up, and estate planning which requires an eldercare attorney. IF she is not on Medicaid you need to put her on that -- and if you "spend down" improperly, Medicaid WILL find out and penalize your mom by not paying for so-many months. There is also the "estate recovery" law. The government is dirty when it comes to money!

Caregiving is VERY VERY VERY EXPENSIVE -- a single diaper costs about 50 cents to a dollar (depends on type and where you get them) and you go through like 6 a day, which can be like $5 to $6 a DAY just for diapers. Wipes are also expensive. gloves are about $10 for 50 pairs, and you go through those like crazy. You will have to spend tons of money on daily care needs, and the worse they become, the more they will depend on you meanwhile you and her go deeper into debt.

Caregiving is stressful, and if you have money problems there is a likelihood you will have a nervous breakdown.

YOU need to live and caregiving will decimate your finances and if you are out of work for a long time it is seriously going to impair your chances of getting a job, AND it can drastically affect your retirement.
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Contact social services and see if there are any benefits or help you can qualify for. There are no easy answers. If you could earn decent money working from home while still being able to supervise mom, that would be ideal. But that's easier said than done. The other options are finding in home help to stay with mom at a reasonable cost while you work or placing mom in a nursing home under Medicaid. Contact you local agency on Aging and see if they have any programs or resources available to you. Is there an adult day care program near you? If so that may allow you to work outside the home during the day. If that is not available, and If you can't find any affordable help you may have to start thinking of placing mom in a nursing home so you can earn a living for yourself.
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Have you contacted a social worker? They can help you plan for the future.

Call her doctor and ask to speak to a social worker.
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