I don't really know if I am seeking advice here or just getting this all out and organizing my thoughts with my friends.
We found out yesterday that my sister's fiancé has broken up with her because of her paralysis. She and her son are devastated and this leaves them in a very precarious position. She was relatively wealthy prior to this, but as you can imagine, months in the hospital with limited insurance has taken all of her money. She now has less than $2000 to her name, which is good, in a way, as it qualifies her for state health insurance. She has no home because her home is extremely unsuitable for a wheelchair and while she is in the hospital, her son is floating between friends because his father can't take him full-time.
My mother is moving to Los Angeles and they are hiring people to taken care of her around the clock during the week while my mom is traveling for her job and my mom will do the weekend care. This is not ideal, but it is the only option right now. My mom is 63 and is a small woman, about 110 lbs, so she isn't ideally suited for this, but she is willing. My mom can legally pay rent, buy food, etc. and it doesn't count towards the income limits for state assistance.
If my sister can regain the use of her arms, this could work out in the long run, but depending on the outcome, we may need a different long-term plan. This is all really difficult right now because my sister is a fiercely independent person who very much resents being dependent on us right now. She has always kind of looked down on her upbringing and as a result, kept us at a distance, but her friends really can't take this kind of care on for the third time in three years (she has also had cancer twice). They are asking us to take the reigns, which is only right for us to do, but my sister is not going to be happy about this. I want to walk the line between respecting her feelings and, as gently as possible, reminding her that this isn't ideal for anyone involved and we do have to reckon with reality right now.
Ultimately, if she doesn't recover enough to be independent, she may need to see if she and my nephew can come back here. She would hate that idea and it isn't the time to mention it to her, but she and my mom could get a one-level house or condo in our neighbourhood and then my dad, Zach, my kids and I could contribute to their care. Zach has offered that if it came to that, God bless his heart, we could help pay her mortgage. We are fortunate enough to be mortgage free (and very nearly debt free) at a young age and my parents will eventually need to retire. There is a condo building right down the street that has 3-4 bedroom condos for between 100,000 and 125,000 with an elevator and parking garage.
Anyway, we are trying to figure out how to respect her wishes and still dealing with the fact that, if her care falls to us, we have to make that doable for ourselves. Hopefully I am getting ahead of myself and it won't be necessary, but its good to have a plan B. Thanks for listening to my rambles.