catherineldf | SMRTing Achieved!

So there are multiple levels to getting my wife into memory care, one of which is the ever exciting “Who’s going to pay for it?” She’s 63, so the only way to get the feds involved is to go through Social Security disability (which is just a minefield of ridiculous barriers and invariably gets turned down multiple times) or to go through the State of MN. Why don’t we have long term care insurance? Well, that went away when I got laid off in 2019 and my next supposedly permanent job only lasted a year. Why do I need someone else to pick up the tab? Because memory care costs $8-10k a month and goes up from there and sadly, even though we both worked since we were teens, we are not zillionaires. So that’s some of the depressing part.

Now the good stuff: her SMRT came through yesterday and her CADI waiver is fast-tracked! It has taken 10 months, 1 paralegal, 2 social workers and me to get there, but she is finally declared disabled (the first part) and in need of support. So fingers crossed that the Waiver comes through real soon! That also still leaves: getting her medical records, getting her stuff moved and getting her moved, all in the next couple of weeks. Wish me luck!