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Unless you LOVE that house, in that neighborhood, and want to stay there for the rest of your life, don't do this to yourself and your family. If you really want that house, let Mom sell you the house NOW at the lowest reasonable market value, and hold an interest-free mortgage. She gets the money for her long-term care, you get the house. As things stand, she is going to manipulate you forever because she can.
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waytomisery Sep 29, 2025
The problem with this is OP doesn’t have downpayment money. The mortgage payment could potentially be $10,000 a month in order to cover long term care.
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Upset Daughter, Medicaid very rarely pays for assisted living, only for extended care. If your mother needs to go into assisted living until she qualifies for VA Aid and Attendance, she will need to pay out-of-pocket for hr time in assisted living.. Otherwise, you'll need to have private home care at least part of the time. Thus, the chances are that you will need to sell the house one way or another to cover her care.
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I do not know about Aid and Attendance other than what I have learned on this forum. However, all those who do know about it have expressed concern that you will not get the coverage you are expecting. In particular, there is concern that the A and A program will not pay for assisted living, while your information indicates the opposite. Please double-check this point before you make more plans!
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France1956 Sep 29, 2025
I don't see how she got into assiste4d living in the first place. Most will not accept anyone that can't or won't toilet themselves.
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One other point to consider is that most assisted living facilities do not provide routine help with toileting. If your mother had an accident and soiled herself, she could probably get assistance in cleaning up. However, if she needs assistance to go to the bathroom every time, assisted living is unlikely to provide that. Once she starts needing diapers, if that occurs, she will have to move to extended care.
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BurntCaregiver Sep 29, 2025
You're right, Igloocar. In AL a person will receive help if they have an accident and mess themselves. This is only occasionally though. Once a person becomes incontinent and the 'accidents' are a regular thing they have to go. AL does not allow incontinent people. At least they didn't in the one I was a staff supervisor in.

In fact, we used to keep track of 'accidents'. When they started to be a few times a week and a resident started to smell because they weren't going to the toilet and cleaning themselves up, they went into higher care.
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My father (who may not had been my biological father) got to that point. He had back surgery and was put in rehab with a PT. He refused to do the exercises because "they hurt". He expected the rest of us to clean him in the bed because he refused to get up to go to the toilet. He was too heavy to lift, and several of us have bad backs because of having to lift him in and out of a wheelchair. It was horrible. When he passed in March, talk about relief. Now my mother has dementia, and my sister is POA but expects us to drive an hour each way to go visit with her, and she's abusive because she doesn't want to be in the facility. So you can see that I know some of what you're feeling. I won't go see her. I'm not going to spend my time hearing about how bad her life is. I will be wishing you good for your life, but it's up to the caregiver. You hired them, so let them do their thing. She's probably not going to leave you the house anyway, but maybe got to court to be appointed as executor of her estate. I hope THAT might work for you. AND GET AN ATTORNEY!
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You apparently live in a very high-cost area, if you make a six-figure income and can't accumulate a down payment for a house. You ask for others' experiences with working full time and trying to take care of a disabled elder. What you're likely to get is anecdotes about what others have done, which will be all over the place, and exhortations to just place her and forget about inheriting the house. I'm not sure if this is what you wanted or expected, but it's fully consistent with what I expected as a participant in this forum.

My contribution to the discussion is this. You seem to have made a decision to sacrifice your time and effort for 5-6 months until your mother can be moved to a permanent(?) placement in assisted living paid for by the VA. Make sure you have done the research and are very certain that this will happen and will provide a satisfactory solution. Consult an attorney who is an expert in this field if you haven't already. A mistake in this area could mean all the sacrifice was for nothing. Good luck to you.
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DoneWithAbuse Oct 28, 2025
I live on Long Island. I make $120k/year and I have 1 child. I barely scrape by every month. A six figure salary is common here and $120k is on the low end for a single person. I am looking for a job that pays a minimum of $160k so that I can finally live comfortably. I am lucky that I even found my house. The owner was desperate to sell during the pandemic. I was paying $3500 for a 2BR apartment. So yes, if the OP lives in a place as expensive as this, it is almost impossible to save money.
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Some say we owe this to our parents but in truth we don't, you should not allow something like getting her house to be what makes your choice to help her. My father didn't not raise me, and he has never been a very good man. I had to take some time and decide what I needed to do so I could be feel ok with the decisions I made moving forward. It sounds like your mom needs a nursing home. Help her sell her home use the money to pay for her care, go visit her and find your peace because you are an adult now with a family of your own and deserve that. My father often tries to make me guilty and it works sometimes ( He is in memory care ) but in my heart I know that I cant care for him in my home and I also know that this man walked away from me when I was 7 yrs old and never looked back so that fact that I go see him , set him up with a payee and take him for outings is more than he deserves.
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I think I wld be fore fitting the house. If she wants she cld still remove you from the Inheritance. I am sorry you are in this situation. The feelings of resentment must be over whelming. I think I wld treat it like you are an outsider. Remove all emotions. You say she had a carer, how come she doesn't anymore? Did she pay for this care? Cause of she had a carer, they could empty the commode daily.
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Chances are high that if your mother never did anything for you, she will not start now. Given her history, even if you are the only child, she will find a way to make sure that the house is either sold to pay bills or is donated to her favorite charity.
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Forget the house - it is not going to work out did you. Get out of this caregiving situation as fast as you can. You have better things to do with your time.
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You need to read up on MEDICAID ESTATE RECOVERY PROVRAM specifically for your state.

for instance, in Texas Medicaid will not ask for money when there is a an unmarried adult child who lived full-time in the Medicaid person’s home for at least one year before this person died. Or there is a child of any age who was blind or permanently and totally disabled under Social Security requirements. Or the cost of selling the property is is more than the property is worth. Also, the state will not ask for money when this would cause an undue hardship for HEIRS. Now, all of the above is from the website “ your guide to the Medicaid estate recovery program.” This was under the Texas Health And Human Services, the state that I live in. Some states have what’s called a ladybird deed or Enhanced life estate deed. This allows the house to pass directly to A. named HEIR without going through probate. And through the Medicaid estate recovery program because it passes directly to the person, upon the death of the homeowner. Not all states have this, but I believe most states have a transfer of deed upon death. Do some research, and if possible talk to a Medicaid attorney that could help you with this.
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The house isn't worth it. Please walk away. My parents literally kicked me out of the house at 19. Like most GenX, nobody raised us. We had the bare minimum. You will never get the love you deserve. It will simply damage you MORE. Please take her to the ER and say she is no longer safe at home. Then leave.
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I am in the same dilemma except I have two sisters. My narcissistic mother singled me out and relentlessly abused me physically and emotionally as a child, then continued her emotional abuse well into adulthood. She would use the three of us as pawns and turn us against each other in her sick game. Just being in her presence triggers PTSD. My sisters are annoyed that I don’t want to help. I don’t. Because I will NOT neglect my daughter to care for a child abuser. Not for a single second.  My sister who takes care of our mother told me that I’m not really a single mother because I share custody with the dad and I need to stop using that as an excuse. 

I also have zero time to dedicate to this. I am pursuing a doctoral degree. I work 2 jobs, and I am divorced and bought my own house at 50. I’m always broke. There’s an inheritance and that would be nice and a huge help, but I’m not counting on it. She should use it to pay for full time care. It’s not worth my mental health which is finally in a good place at 54 years old. As for my house, who cares if it gets paid off. I’ll sell it if can’t pay for it in retirement. Either way I come out ahead.

DO WHAT IS GOOD FOR YOU!!! You won’t regret it. You’ll experience guilt at first, and that is normal. That will pass. But by taking care of an abusive parent and neglecting your own kids, you are continuing the cycle of neglect. 
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