I never realized how expensive it is to have a chronic illness in the family. In-home care is expensive as are walkers, wheelchairs, even canes can be costly. Add to that the additional expense from medical appointments and this disease can quickly become a financial burden. Thankfully we have some coverage through insurance but are finding that with elimination periods and co-pays it still can add up. I have found some support through a Caregiver Grant from our local PD Organization and another local organization that provides free Durable Medical Equipment, but there is always something more.
Money that we had put away for our retirement travels is now going towards home renovations like a barrier free shower and taller toilets. It’s really okay though because neither one of us is really into travelling anymore, it’s become too difficult. From that aspect, the changes we are making in our home have even more importance as we strive to make it comfortable for us as we age. I could say that we are working to spoil ourselves with a safe and warm home environment that replaces the exotic dreams we once had.
No one mentioned the financial challenges we would face when he was first diagnosed. Perhaps it is because there was so much else to think about, but it might have been nice to have advance warning. Thankfully my husband was smart enough to make sure we were both putting money away while we were still working so we are okay for now. We also have a wise financial advisor and a team of elder attorneys who are available to help us throughout this process. Thanks to them, I can put aside my worries and believe that as things progress our finances will continue to cover what we need. It’s just not how I anticipated spending our “retirement” funds.