Metaphorically and in all actuality SO much of my life feels unfinished right now. Everything feels jumbled in my head, and it's difficult to really put things in a row. I've been unable to attend therapy for two weeks, and the timing has just been really, really bad for that. I mean, not in any sort of a crisis way, but just in a "I have so many things to sort out and get in order mentally" way. I'm trying to piece it together, but am struggling to focus right now.
I'll start by issuing the disclaimer that I'm fortunate in this journey. Mark saved. A lot. His proclivity to save (while other FTDers had the proclivity to blow everything and go in excessive debt) has saved us a
ridiculous amount of headaches. I cannot begin to fathom where we would be right now if he hadn't. HOWEVER...one of the most difficult parts of trying to navigate this whole thing is continually watching money go out the window as if it really DOES grow on trees. It really, really, REALLY messes with your mind. It gives me a whole new appreciation for old age, honestly.
The difficult part with this, however, is that the only way that the costs for Mark's care don't come entirely out of my pocket is if I spend it on the kids and I and the house and vehicle and all that first.
How messed up is that?
We can no longer plan for our future, even though I'm 38 and have 4 kids under the age of 8. Even though I'm working full time at a great job!!
In this "spending" spree, I can only use the money for certain things, like investing into our home, investing in a reliable vehicle, pre-paying Mark's funeral (as well as mine, should I opt to, and burial plots for our family). There are other shelters, to be sure. I've worked this all out with our elder care attorney, and I'm aware of our options. I really don't need your advice, and I mean that in the kindest way possible. I'm just putting this out there to build awareness. Because right now, I am doing so much eye rolling that it's ridiculous.
The struggle is that if I choose to do this spend down route and apply for Medicaid, it likely will drastically change things for Mark in regards to his care. So while it may give us the home of our dreams and a nice vehicle and money set aside for the future of the kids, it will put us through another horrific battle of trying to find a place for him and uprooting everything for him and us all over again.
This is a decision that has weighed very, very heavily on my mind for the past two years. Very.
What I've come to conclude is that the only real pro to spending down and going on Medicaid are, in essence, materialistic and financially minded, and that's just not really who I am as a person. It's awkward to go from always living fairly frugally in comparison to what we had the capability for to then be encouraged to spend it all. I really struggle with this whole concept a lot, because I'm more of a giver than a taker in general, and being asked to take and take and take feels extremely awkward.
The cons, however, in my mind to this point have FAR outweighed the "pro":
- We would have significantly fewer choices for Mark's placement.
- We can only go where a Medicaid bed is available (and this is the clincher) that will take him.
It was a nightmare to find a place to begin with that would even just take him, much less to find a place that was close that would take him. He's too big. Too young. Too active.
- Mark would undoubtedly be much further away from us (likely the closest being Minneapolis), requiring even further away visits and a whole new set of issues, like either driving 5 hours round trip every weekend, or not visiting Mark as often, or getting a hotel every weekend. With 4 kids. As a single Mom. (Raise your hand if THAT sounds like fun.)
- It is a heck of a lot of work to WISELY spend a lot of money in a short period of time, even if that means stopping the home renovations after these are complete and just setting it aside in a supplemental needs trust for the kids.
So...I've been kinda working on a combination of the two: I'm spending what seems reasonable and slowly fixing up the house, which, as I've realized since beginning, needs significantly more updating and fixing than I had realized. Mark hadn't fixed up anything for YEARS prior to getting a diagnosis, so a lot was left undone. I've pre-paid Mark's funeral. I've upgraded our vehicle. I put new siding on the house. I poured a new driveway and cement pad in the back of the house. I'm currently in the process of renovating our downstairs bathroom and front entryway, mostly minor changes with huge paybacks as far as functionality go.
But it's all...it's freaking exhausting. As if working full time and parenting 4 little kids isn't enough.
I get to now become a contractor and renovate my home. It's a "good" problem to have, but it's really, very seriously messed up. And I never know how much I should spend, because I'm scared I'll spend too much, and then I won't have enough to keep Mark where he is long enough for him to finish this horrible battle with FTD. And then it won't be an option to keep him there, aside from paying the penalty and digging into MY Roth IRA and 401k. But I know without a shadow of a doubt that this is what he would want me to be doing with the money. And I know he would tell me that as difficult as it is, God will provide. It just leaves me in a continual state of feeling very, very, very unfinished.
My home is torn apart right now. I've got dust from torn out drywall on most of the surfaces. My kids can't find their shoes in the morning, and their backpacks don't really have a good place to go. The entire contents from our overflowing closet are now downstairs, also coated in a dusting of drywall dust. It feels like 2 years ago when I had furniture all over the place waiting for new flooring in the upstairs bedrooms, which turned into needing the floor boards replaced. And then I basically switched around bedrooms and sleeping arrangements with a Kindergartner, preschooler, toddler and 6 month old baby while my husband with bvFTD was still living at home. Everything feels like fruit basket upset, and while I know it'll all be worth it when it's done, there are just so many things that I have to manage and keep track of, and phone calls to make and people to meet, and as much work as I can do myself to save a few bucks, and it's just...well it's freaking EXHAUSTING.
And then on top of it, I don't even know if it's really what I SHOULD be doing. I mean, what's done is done so far, but do I then begin the upstairs renovation we have the plans for? Or do I save that money so that we can afford two more months down the road of keeping Mark where he is? (Because renovating an entire kitchen costs about as much as a mere 2 months of care, sadly.)
The option of having to move Mark further away from us gives me so much anxiety. I already feel like I hardly get the chance to see him when we do visit. And it's only an hour away, which seems insurmountable with all the demands at home. There are always so many directions I'm pulled (i.e. both Cashel AND Kendrick now have holes in the knees of the new sweatpants I JUST bought them a month ago, and Cashel has been wearing two different shoes to school every day because he lost the other two opposites, so they go to school looking like hobos...Mark chewed a hole in his CPAP mask and has to have it replaced and I keep forgetting to stop and pick another one up at the supply store...Menards or Home Depot trips every visit to Mankato, which leaves me staring entirely way too long at face plates for the light switches and outlets because I didn't count how many I needed, and I don't recall if the ones I got before were light gray or white...there is always something). I can barely keep up with life as it is, but there is no freaking way I would be able to then start making trips to Minneapolis (2.5 times the distance we're currently traveling) every weekend, or, really, every other weekend. It feels like I have to pull teeth to even just get 24 hours away from my kids as it is, but dragging them with me to visit their Daddy, who tolerates about an hour at most from us on a good day every other weekend even seems just completely overwhelming.
It's really, really easy for someone who doesn't have the guilt I have to say, "He'd want you to take the money and provide the best home for yourself and the kids...a reliable vehicle...put money away for them. He'll be fine in significantly lesser accommodations further away with visits once a month".
But as much as he's not really my husband at all anymore, he's still the man I promised to provide for and protect and cherish, and I'm not forgetting those vows. I know Mark would want me to have the nice jetted tub for the upstairs bathroom as opposed to him being in such a nice facility for another week, but if that comes at the expense of seeing him less or him having lesser care than he has now...no bubble bath is worth that guilt to me.
Sometimes preventative mental health care carries a pretty hefty price tag. And sometimes preventative mental health care means growing extremely comfortable watching money fly out the window...while trying to continue to make more money at a small fraction of the rate, and learning not to care. Because my kids need normalcy. I need normalcy. Our lives are already disrupted enough, and it's worth whatever the price tag to keep the five of us all in a healthy mental state.
But seriously...something needs to change.