Helping Aging Parents - How much is too much?

steakis4closers

Dryer sheet aficionado
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My father had a stroke at 66, he can still walk but is pretty wobbly. Can't say he does it well now. Mentally he is about half as sharp as he was he says, perhaps less. He has mostly lost use of one arm / hand.

He is an alcoholic, has depression, anxiety, diabetic (refuses to take his insulin), has sleep apnea (refuses cpap, ect). He does not see very well now, I think due to diabetes, he definitely needs a new pair of glasses adjusted to his eyes. Health is overall pretty poor, sadly i doubt he has many more years with us.

He did not plan for retirement, he only gets 1200 a month from SS. He still has a house payment, about 23000 left to pay off on the home. He has no savings. He still lives in the same home he lived in since he was in his 30s. He reallly cant maintain it anymore. Can't fix things, can't update them, can't replace them ect. Calls me over to mow the lawn, rake the leaves, ect.

He has not coped well since his long term girlfriend died early in her 60s. He does not clean his home ever, there are cobwebs, trash everywhere, dead animals, dirty dishes he never washes, you name it. It's disgusting. He just leaves the trash out and never picks it up.

He no longer cooks really, he just microwaves everything or puts in on a skillet.

Ive had to conference call his electric company/ heating company on two separate occasions now to help him make a payment as he forgot to pay. One time they had shut off the power and the 2nd time they had put in the request to do so, but it had not gone off yet.

A bit of backstory, growing up I was fond of dad, my parents were seperated early on and I have a step dad who mostly raised me. But I saw my biological dad, the one I was describing frequently, weekends mostly. He would buy me gifts on occasion, we would do things, race miniature cars, watch movies, get pizza, ect.

Dad really never has gotten along with mom, and when i was about 10 he told mom and my step dad he was going to stop seeing me if they did not waive the right for child support. So legally my mom/ step dad waived the right and in doing so, my biological legally has nothing to do with me. As in, i am not legally his son anymore and will not inherit anything by law unless my father specfically names me in a will.

I have asked him to name me in his will, and offered to help him get one done. He does not currently have one. He said I should be the one who inherits but refuses to get the will done, saying he will do it later, which means never basically. If he were to have a stroke again today and die, his home, which is worth about 400000 if it wasn't in need of repairs, would go to his brother and sister by law if there is no will stating someone else.

I have been helping him on occasion, as any good son would. He needed a new freezer, so I bought him one. Ive bought him groceries every now and again, usually stock him up for a month ect. If he asks for help I come and help him. He lives about 35 minutes away without traffic and I am honestly a busy guy. I have a 16 month old son, a wife, full time job, two other part time gigs (very part time), and some other responsibilities ect.

Dad wont name me Power of attorney for finances or for health. Says he will do mostly anything but he wont do that. He has asked me to handle his billls moving forward. Of course that is harder when he wont give me POA.

Ive been thinking of trying to convince him to come move closer to me, so I can try to make sure he takes his insulin more regularly. If he lived in my home town i could swing by each day before or after work and give him his shot. Take out the garbage, bring him groceries, take out the garbage, ect. Help take care of him.

After having the stroke, he was assigned as social worker who has said he should submit a medicaid packet so he can get help bathing, cleaning, some cooking, ect. They wont give him his insulin shots though. That way he could stay in his home, 35 minutes away from me.

I worry about him. And I am angry with him that he wont put me on the will, and put me as POA.

Another option, he could go to a nursing home. He isn't keen on that option. I think he probably wants to stay in his home. But he can't really afford it that well. The moment something big goes wrong he gonna call me all panicked asking for help I believe. If for example his heat goes out and he needs new furnace, ect. I dont think in his current condition he should be managing his own affairs really. I do insurance for my job, and i see so many folks that shoudln't be in charge of their own affairs and sometimes i think tahts my own father too. He has no idea how much his policy costs, no idea what it covers, ect.

I am not sure what to do with him. It bothers me, his situation. i am sort of caught in the middle as he wont just let me take it over and take care of him and its not easy seeing a parent like this. He doesnt' wash his clothes, he doesn't take showers often at all, smells terrible, teeth rotting, needs dentures.

What do you think I should do? Any advice? Thank you.
 
A really tough spot to be in. I really do feel for You is a terrible thing to watch a parent struggle.

I would help when asked too and do what you can and what he will let you do. It would be a hard thing but I then would let things just play out in life. If he doesn't want help then give him that wish. Just my 2¢!

I wish you the very best!
 
Sounds like you've made a good effort but you can't do everything for him. Help him obtain his Medicaid benefits then wish him well. It's time for those to whom he is leaving his home to step up.
 
Dad really never has gotten along with mom, and when i was about 10 he told mom and my step dad he was going to stop seeing me if they did not waive the right for child support. So legally my mom/ step dad waived the right and in doing so, my biological legally has nothing to do with me. As in, i am not legally his son anymore and will not inherit anything by law unless my father specfically names me in a will.

This doesn't sound correct to me. Your Mom waiving child support shouldn't change your biological father's parental rights - the two have nothing to do with each other.

Perhaps you're not explain it accurately, or perhaps your Mom or Dad or stepdad explained it inaccurately to you.

I'd check with an estate attorney in your biological Dad's state of residence (probably yours as well since you live close to him). Bring any relevant papers your parents may have provided.

I am not sure what to do with him. It bothers me, his situation. i am sort of caught in the middle as he wont just let me take it over and take care of him and its not easy seeing a parent like this. He doesnt' wash his clothes, he doesn't take showers often at all, smells terrible, teeth rotting, needs dentures.

What do you think I should do? Any advice? Thank you.

Generally speaking, since he's a grown up he can do what he wants with his life, including his finances, his environment, and his personal hygiene. Although in the case of your Dad, you might call adult protective services and see what they say about his situation.

Likewise you get to help him to the extent you choose to do so. Choosing how much to help can be hard for all sorts of reasons. It's possible to negotiate change on his part (signing a POA) in exchange for your help (with his finances) without manipulating him, but that's tricky to navigate.

My Dad's situation is far different, but there have been a few times when his needs exceeded what I was able to provide. I had to make peace with providing what I could and was willing to, because otherwise I would grow to resent his needs. It's hard to tell your parent what your limits are, but I needed to do so and it has worked out well for us. I try to remember when it's tough that it's a season and when he's gone any opportunity to interact is also gone at that point - whether that's positive, negative, or otherwise.
 
I’m confused by the “you’re legally not his son”. Unless stepdad legally adopted you?
 
I think we need to separate out the issues.
- One is financial. If you are financially comfortable and do not need your biological's estate, and you cannot get him to name you in the will, then you will just have to accept it as it is. If you do need the money, I would pursue him to have a will more firmly.
- One is the emotional relationship. This involves helping him in ways that you are able to.
 
Sorry for what you are going through. Sounds like your plate is already full. Don't forget to take care of yourself along the way. Perhaps hire someone to do things like the yard work.
Its a tough situation when you feel like you are parenting a parent. There are books out there that may be helpful on the subject.
This is a good book on the subject with a little sense of humor thrown in a long the authors journey.

Do you or your dad have any contact with his siblings? Could they be more involved and would that be helpful?
I agree with perhaps contacting adult protective services or some professional help like a social worker to at least see if this is something they could offer assistance with or if its a wait till he gets worse type of situation. Seems IMO he is already there if he is neglecting everything?
He actually might be extremely lonely and some sort of nursing home with more people around might be helpful. We had a dear elderly neighbor who was very active and sociable for his age but was pretty lonely since his wife passed away many years ago. He decided he was tired of cooking for one and found a nice retirement type place to live in that did all the cooking for them. He sold his home to help fund it. We visited him in his new place and he was thriving there. He enjoyed having other people around to dine with and share activities the place provided. Perhaps a set up like this near you so you could visit often would be something your Dad might consider?
Good luck in the journey. Its a difficult one but kuddos for doing what you can for him.
 
MN now has TOD on houses.

Maybe you could fill out the form but nobody sign it, take him to a bank and get it notarized when signing, then go take it to the registrar and register it. It has to be registered.

http://www.commerce.state.mn.us/UCB/10.8.4.pdf

Of course double check this is the correct form :)
 
Have you contacted an elder care attorney? When our dear dad passed they were able to help us out with updating trust for our dear mother. They even arranged to meet at the home to have docs signed so mom didn't have to go anywhere to deal with it. The ones we found were terrific and even help with the legal paperwork when dear Mom passed away.
Perhaps then can help you deal with your particular situation?
 
I am sorry you are experiencing this.
Your father sounds like he is experiencing some hoarding issues, depression, and possibly some dementia due to his stroke.
Getting social services/ adult protective services/elder care attorney involved might be the best thing. He may need to be forced to move into a care home. It would be cleaner, healthier for him along with socialization.

You may need to step back, as hard as that is.
He is asking for your help, but binding your hands somewhat by not giving you POA.
 
I may be wrong here, but even though your step dad adopted you to raise you, I can't see how your biological dad is not your legal father.
 
Sounds like your biological father does not want your help. It is hard to say but I would just walk away from it until he is willing to sign a POA, HCPOA etc and to get help
 
Lots of moving parts here - you need an elder care attorney to help you sort this out. But my idea would be to sign him up for medicaid, research nursing homes, get POAs, and wills. And then sell the house and put him in a nursing home once medicaid starts.
 
He sounds like he has clinical depression, maybe you can get him to a doctor to prescribe an anti-depressant.
 
What should you do?

Walk away.

You can't fix people who aren't willing to be fixed. Swap out help with fix as you deem appropriate.
 
I'd say in all likelihood, if your dad doesn't die suddenly, he will need the proceeds of the sale of his house to live in a nursing facility when something goes terribly wrong with his health. So inheriting much is unlikely. I had great relationships with both my parents, BUT, even though I stood to inherit, there was nothing left due to nursing facilities taking it all (including the house proceeds).

Since your dad won't do what you want him to do, you have a choice. Continue to assist him - 'cause he's your dad and you love him - or just walk away and let him take what comes. In either case, don't worry about it. Nature will take its course.

You have no power to force your dad to do anything, so it's up to you how you respond. Just don't allow the situation to get to you.

All the best.

Oh, and welcome to the Forum.
 
Tough situation. Like you my inclination would be to help, for no other reason than he’s my dad, but when they keep throwing up obstacles it tries your patience

I would think demanding a POA in order to continue helping would probably be reasonable.

Demanding to be on his future will - I suspect not.

But I wonder if you could enter into some sort of contract, rolling loan, that as you spend money and resources on his behalf, it adds to the loan. It would obviously have to be executed as a legal contract. If it was legal and binding, then the debt would go against his estate when he passes. Now where and how his home passes probably makes a difference. If it is just TOD to someone else your loan may get bypassed.

These are random ideas from a non-lawyer (me) that pretends to be one occasionally and does a poor job of it.
 
So sorry you are dealing with all of this. A very tough situation for sure.

I’m working thru issues w/Mom (She’s in assisted living now) and discovered that the POA that I have for Moms affairs wasn’t good enough for some utility companies (i.e Pacific Gas & Electricity has its own form). And it sure wasn’t good enough for the title company during the sale of her home. They also had their own version with language specific to real estate transactions.

Just a thought … Since you mentioned issues with utilities, perhaps Dad just might begrudgingly consent to a POA that strictly limits your authority to just deal with utilities so you can intervene when needed on your own to keep the lights and heat on?! It’s a small step.

Then once he sees the benefits of you having that limited authority you can open up the conversation on a more general POA?

He’s blessed to have a son that cares so much.
 
That's too much for you to handle on your own long term. It seems likely that he will end up losing the house to a nursing home anyway so I would just help facilitate that and stop overextending yourself.
 
A tough spot for sure. Hard to not let emotions taint the words...

I eventually had to let pops do what he wanted, usually rotation of relationships with the 4 of us. When he got "mad" at 1, he moved on to #2.

POA is not unreasonable & assistance from the state would be a likely help. He has to want it though. Maybe he needs to hit rock bottom with all the problems you mentioned?

#1 for me would be my family.
 
I may be wrong here, but even though your step dad adopted you to raise you, I can't see how your biological dad is not your legal father.
Once someone else adopts you then your birth certificate is changed to indicate that they are your parent. His biological father is no longer his legal parent. My second husband adopted my oldest son from my first marriage.
 
I might help in other ways but I wouldn’t spend money on him. Most likely he’ll end up in a nursing home and his house will be sold for his care. You could get adult protective services involved since he may not be competent to handle his own affairs.
 

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