Brad Fleming’s client is a nurse who is busy with work and teenagers. Her mother had been living in Georgia but had to be moved here due to dementia. Now, Brad’s client is patching together care at her home for her mother. When her mother can no longer live there safely, how can she pay for her mother to be somewhere safe and secure?

Brad explained that the mother’s savings will make her ineligible for help paying for care in a secure memory-care unit. She could pay $3,500/month for this care and deplete her savings that way. Brad suggested instead a written “family care agreement.” This way, the daughter could be paid for the care she is providing her mother. Then, when the mother needs 24/7 care, she will be eligible for government coverage.

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