This is my last reply; your service has been excellent & will be rated so after one more answer. My finances (college, books, etc.) are very strained, so I will rate & add a bonus on Wednesday (payday) I believe you deserve. I know I've taken up a lot of your time; I've spent a tremendous amount of my time which I don't have to try to help her & it's taking it's toll on me.
Your last answer was upsetting because it doesn’t get her position under control. Family/friends we would trust/choose are too busy dealing with their own issues to commit to POA. After several weekly 2 or more hour sessions with her neuro psychologist, she had enough data to measure my sister’s IQ. It’s 126 (9 pts. below genius), but doesn’t help her much with her brain damage symptom & that’s why once she gets assistance to get organized, all the issues she’s dealing with off her plate, caught up on bills, medical expenses, etc., I think she’ll be able to handle most things herself because she won’t be so depressed, stress & overwhelmed. She’s already thinking a condo would be better with less maintenance & retiring ASAP. She’d like to wait longer since every year she stays on LTD, her years of service & retirement amount will increase. She already found out she’ll continue to get her SS disability ($1,855) & widow benefits ($112) even though she’s only 54. She’s trying to get info on how to receive her retirement amount. She can get over $200,000 in a lump sum or monthly benefits. I don’t think her conditions will have much effect on her life span, but if she designates a surviving beneficiary (kids) to continue to receive benefits, her monthly income is decreased a good amount. She planned using a portion of the money for car repairs, paying medical bills & getting her modular home in shape to sell, etc. & putting the rest (a majority) of the lump sum into some type of IRA accounts with one she can withdraw for emergencies (most months, she’s had some type of unexpected expense). Almost every month lately, she hasn’t been able to even buy bread or milk for a week or so before her SS check comes which also increases her stress & depression tremendously. She has 35 years of service & she could continue accruing them & her retirement amount at least 10 more years, but she’s tired of being broke, if she puts her money into some type of “safe” IRA, that money will be earning interest. She thought about that herself, but needs to consult her tax preparer & and some type of investment/financial specialist to find out the tax implications, etc., realizing that retirement money has to last the rest of her life & if it’s gone before, all she’ll have left will be her SS income.
But that doesn’t solve the problem of getting attendant & housekeeping services her neurologist has written scripts for & Medicare has approved which are detrimental to her physical & mental well-being.