Ask Terry Questions Senior living assisted living and memory care.

Senior living assisted living and memory care.

By Terry Savage on August 17, 2019 | Wild Card

What is your opinion for senior living assisted living and memory care. They will take care of you u til you die and and if any money is left it goes to your family but they charge at least 2 thousand more for each month until you die and they can not kick you out if the money runs out.   I just feel your children don’t have to worry about you.

Terry Says

Gosh, this is a tough question to answer without knowing more details.  I’d need to know how much money you have now.  And your age.  I understand that you don’t want to be a burden on your children.  But if you go into a private assisted living facility that also accepts Medicaid patients, you won’t be kicked out.  And your money will last longer.

Here’s the thing:  When they say they “won’t kick you out” it doesn’t mean they won’t “transfer” you do a far less desirable room on a Medicaid floor.  (I know, because they wanted to do that with my grandmother!)  The details are important.

I understand your desire to make plans.  But I assure you, your children will worry about you anyway — if you are lucky!

I think you need to have an expert in eldercare review the alternatives.  And you should have other important documents, such as a will and healthcare power of attorney.  Find an elder-law attorney at





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