One of my oldest clients, Vivian, lives in a modest 3 bedroom home in a town in Southern Sonoma County. Her dementia and physical ailments require 24 hour care provided in her home by a family member and two wonderful caregivers.
Her social security income does not cover the costs and she has no other assets. A reverse mortgage (RM) has provided the extra funds needed to keep Vivian happy and healthy in her residence.
Her recent qualification for In Home Support Services (IHSS) has been an amazing blessing. The 283.9 hours of caregiving paid for through this program each month has allowed me to reduce the monthly draw from her RM by exactly 50%, doubling the number of months that she will be able to stay in her home.
IHSS is one of the programs on the state budget chopping block. If cut, Vivian will likely not outlive her RM and will have to endure the anxiety of moving to a facility to live out her remaining days.
Added to the uncertaintly, the tens of thousands of senior and disabled recipients potentially displaced by the cuts would flood a care facility industry that may not have enough beds to absorb the load.
This is a vital issue that deserves vigorous public debate. Please consider joining with others in your community to make some noise.
Don the Trustee
When my mother passed very suddenly some 16 years ago, I worked as a trustee for the first time. Her trust contained walnut orchards, peach orchards and a small vineyard. One of the properties was within the sphere of influence of the adjacent city and I dove in with the neighbors and started working on annexation. Loved this work back then and still find it very satisfying today.