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My poor mom.

bananaseedo's picture

Uggh, I'm pretty upset with some things my mom shared today.  We lost my dad several years back to cancer, she has since remarried - it was a very quick decision after dating just a few months.  We all tried to get her to apply the brakes but hey, in the end it was their choice-to us the rush was a red flag.

Anyways, he's overall a decent guy, sweet and caring with her.  HOWEVER, I'm now finding out the reason she seems so stressed and financially suffering is because of him.  My mom is the type of woman who is very non-confrontational and tends to hide her feelings (until she explodes and it comes out all wrong lol)- but definitely my courage to face things comes from my dad.

So, my mom's mortgage is not very much- my dad didn't have anything to her other then his social security...my brother was helping her pay the mortgage and she was using this SS to live on (dads was higher then hers) after he passed.  Her mortgage thank goodness is very low ($500 a month).  She did live on a VERY strict budget.   When she remarried, my brother advised he would stop paying the mortgage as now her husband should help cover. 

Well, come to find out, even though his SS is even higher then dads, he has his own house (paid off but needs MAJOR repairs)-so he moved in with mom.  He decided to give her $500 a month ONLY towards the mortgage/bills/food, etc....obviously her expenses with two people are much higher now.  She is the ULTIMATE caretaker, so she cooks for him, does everything for him, his health is declining, some cognitive impairment (we suspect dementia onset but will confirm soon).  He just had to go to hospital for gall bladder surgery-they thought it was food poisoning.  She is staying RIGHT by his side to help.

With all she does he's treating her like his own personal nurse, caretaker, cook, maid and bed-warmer!  She can't get her hair died (and she goes to a super cheap place)- she needs to have a maid come help them once a month would help as she is older and in very good health/energy for her age but still, some help would be nice.  She has to ask him for more, and he hands out a $20 bill.  WTF????   Then has to ask again, and again.  I find this to be financial control and abuse to be honest.  

She excuses him saying he was traumatized by how his ex-wife took everything- they divorced 20 years ago!! He should have had time to get the EFF over it and not transfer his miser/insecure/suspicious ways on my mom.  Mom just wants to live OK, she's not a spender, she is VERY frugal. But ffs it's not fair.  So he gets all HIS needs met and about hers?  If she's providing all this to him, the least he could do is be fair and provide more towards THEIR financial well-being. He keeps building this nest egg while mom can't get her hair colored in months?  Or go to lunch, or fix her car?

I mean the man is such a miser, he won't pay for TRASH service and takes their trash to the dump once every few weeks.  

Today, while he was in surgery I took her to lunch, she just got it all out, she needed to.  I will keep this to myself (and my DH) for now, but if she doesn't confront him soon and remedy this, I will have to involve my brothers.  They would be livid (as am I).   He's leaving his house and another property he has to his children, and that's fine mom doesn't expect any of his property- but he can't at least make her life comfortable in the last years of her life that she's spending caretaking him!  He also has prostate cancer, so though he may have something else take him out, it's still here's mom again caretaking like she did with my dad- w/a husband she has to ask $20 of to get some more groceries.  

I gave her suggestions on how to say things as she doesn't want to hurt/offend him-especially now that he's so confused about things- so I gave her tips.  Though I personally would blast him because in my marriage we get brutally honest and call each other out.   Not that is always resolves things but if you are being unfairly treated, speak out.  I told her to give him a number of how much more she needs, I said round it to $1000 a month- what you don't spend put in saving for Christmas, Bdays etc....

If he had to PAY for someone to do what she does, it would be a hell of a lot more.  He got himself a used (but newer truck) and Mom's car needs more repairs.  That said when she had a big bill for a repair for her car ($600) he gave it to her w/out hesitation....but come on, that's what husbands/wives do for each other.  I get not combining finances, etc...but again, I think this is financial abuse and I"m very upset that my mom is in this position.

I don't know how long I should wait, but I"m hoping she says something in the next few weeks, or I'll have to rally the boys (my brothers) so we can push her to act in her best interests.  It breaks my heart she's being taken advantage of. 

Comments

notsurehowtodeal's picture

Between your Mom and NewImproved's Dad, it has not been a good week for older parents! So sorry to hear she is going through this. She is lucky to have you and your brother's to look out for her.

Roundandround's picture

But she should look into claiming spousal social security under his record. She is able to collect half of whatever his is without affecting what he gets. For instance if he gets 2500 she can collect 1250 and he still gets his 2500. This is legal and she can do it just by showing the validity of their marriage. If it's much higher than she gets under your dads it is worth looking into and all it takes is a call or appointment at Social security to make happen.. Also when/if the current husband passes she will receive his full SS. 

bananaseedo's picture

I know my dads SS was higher than hers, when he passed she was given his SS and lost hers.  I think her new husbands is probably not worth claiming his half as my dads is higher I believe.  Thanks for that tip though! Mom did work some years before we moved out of the country, but didn't since -when we moved back to the US she worked for a couple years part time.  Enough to qualify her for a low payment when she hit retirement age.  

Roundandround's picture

"The current law requires that the widow be unmarried in order to claim widow benefits, unless the marriage occurred after the widow attained age 60.9 That is, a widow who remarries before age 60 has no claim to the widow benefits (so long as the remarriage remains intact) and therefore faces a marriage penalty. However, a widow who remarries after reaching age 60 retains full claim on these benefits.

Remarriage at any time makes the widow potentially eligible for spouse benefits on her new husband's work record, so marriage is unlikely to leave a woman ineligible for Social Security.
 

However, spouse benefits may be less generous than widow benefits for two reasons. First, a spouse benefit cannot be claimed until age 62 (and, then, only if her husband receives a Social Security benefit). Second, Social Security pays a lower rate for a spouse benefit than a widow benefit. A spouse benefit claimed at the NRA is equal to 50 percent of her husband's PIA, rather than 100 percent of her deceased husband's PIA. Like widow benefits, spouse benefits are actuarially reduced if claimed before the NRA—at age 62 a spouse receives 37.5 percent of PIA.11 In sum, if a woman remarries someone with a PIA that is similar to that of her deceased husband, her spouse benefits are much lower than her widow benefits."

BethAnne's picture

What a tough situation to be in. I'm sorry you have to watch this happen to your mom. 

Would she feel more comfortable if she had billls and expesnses all set out and could show her husband how much she is spending on stuff and then ask him for an appropriate contribution (half or more if his income/expenses are significantly more than hers). Having all the numbers laid out and showing him on paper may make it easier for him to process and understand and give her the confidence to approach the conversation. 

If he is loosing his memory I would also look to see if they can set up an automatic payment into her account so that they don't have to repeat this conversation every month when he forgets that they agreed to a higher figure. 

CLove's picture

Some great advice on here. I like the advice for your mother to lay out the finances for her husband. Those are concrete and continuous. Cant argue with numbers.

Thumper's picture

I am sorry you have to see your Mom go through this too.

He should sell his house as is,  which will bring more cash into the marriage. That will allow them to live more comfortably.

Instead he is sitting on it, with plans on Passing that asset on to his kid's ..All the while his wife, your mom struggles to pay all the bills using up all her SS..

Your poor mom.......... 

What do you think tightwad dude should do?

 

 

 

justmakingthebest's picture

I probably wouldn't keep it to myself for long. I also would have no problem kicking an old man out of my mom's house! But... I'm a b**tch and my mom is my hero. I am fiercely protective of her. 

I think you and your husband should talk, get on the same page and then invite your brothers into the conversation before the end of the year. I am not sure how things with his adult kids are but maybe they have noticed the cognitive decline and can help your mom take control of the majority of the finances so that she isn't struggling like she is.