Our family enjoying the beach in FL, October 2018 |
As the boys passed toddler-hood and moved into preadolescence, my time was still depleted by their every need while contemplating
which IEP goal I needed to focus on, how to stop shirt chewing, or the ever-elusive
hand biting or groin scratching. I couldn’t face even the thought of looking
too far into the future. There was too much uncertainty.
I
wasn’t able to even conceive what Jake would be doing when he was 16 years old,
or how Joe would learn to cope with all that consumed his little body when he
was 10. The future was too scary to foresee, especially on those bad days when
everything Fragile X Syndrome looked me straight in the face. Yes, there were
even days when I hated that I had to think about all this when my friends were
doing something totally different. Jealousy abounded.
My thoughts were
only a dark place where images of the worst scenario lived. I couldn’t see the
hope that existed within their ability or the people that endlessly supported
us. Then, as with all things, my thoughts evolved. The boys grew and learned and flourished far beyond what I could have conceived in my own thoughts.
Fifteen
years ago, I did something that dramatically shifted my thoughts. I attended a workshop put on by the ARC of
Colorado that included planning for their future, a session on Wills &
Trusts, Legal Guardianship, an explanation of the different waivers available
through our county agency, one on Social Security and a brief touch on
employment. I was apprehensive at first
to learn about all of this intimidating stuff, but, it changed our life!
As
I sat waiting for the first speaker to begin, I gazed around the room at the
other attendees. There were Mothers, Fathers, Grandparents and Guardians. The
speaker began to introduce the days’ agenda and asked us each to give a short
introduction. After each person had given their short spiel, it was clear to me
that I had the youngest kiddos in the room….a testament to the fact that I have
no interest in waiting until the last minute for anything in my life. I don’t
like the stress that comes with waiting until the moment is upon me, nor do I
like not having all of the information available to make a decision and plenty
of time to analyze it. It was evident that this workshop would provide me with
tons of information to jump-start my thinking in a new direction.
I
raced home with all of my notes, eager to share all I had learned with my
husband, Chris. For months after the workshop, I was still energized enough to
tackle some of the issues they had talked about.
Over
the next several years, Chris and I took the leap and created a will and
special needs trust with the help of a lawyer that guided us to make decisions.
One statement during our consult with him still resonates with me today.
He
said, “Make decisions on guardians and trustees based on today, not what you
think the future will hold. You can always revise the documents later.” This
gave me peace and the ability to sleep at night. It felt liberating to be able
to check that one HUGE task off of our to-do list without going into
speculation about who would be around in the future.
I
had a pile of information on Legal Guardianship that we put to good use when
Jake turned 18, and later, Joe turned 18. We breathed a sigh of relief as we
crossed off that daunting task. I subsequently took another course on how to
file the Annual Guardianship Report by myself in order to save a few pennies
(about $1500 a year to be exact).
When
the guys were eligible, we filed for and received SSI and Medicaid. This is a privilege
that I still struggle with. I was raised by folks who never took a handout so
it stings a bit to accept help. Knowing that it will assure services for the
boys long after we are able to (or if we are unable to) is the one thing that
gives me reassurance that we did the right thing. I feel like it never hurts to
question convention. Just because others do something does not mean we have to
do it…but, in this case we feel it has helped our sons more than it has hurt
our mental struggle. We strive each day to fulfill our part of the
responsibility for our sons, too.
During
our sons’ journeys through middle school and high school, we heard many options
for employment, or ideas on how to obtain employment. This was the hardest
thing by far to envision. We were told, “Think about your sons interests and
focus on those.” I wondered how we could capitalize on an extremely high
interest in Sesame Street or Mister Rogers Neighborhood as a job opportunity.
Well, suffice it to say that we worked methodically and exhaustively on securing
motivating and interesting jobs for both of our sons. I detail all of these
challenges in my book, “Becoming Mrs. Rogers” (Click Here to order) if you wish to read more about
that.
The
compilation of everything I learned during that workshop caused us to write
down a conceptual 2-year transition plan on how we hoped to retire without our
sons and leave them in the care of others in our own home. Mind you, it’s been
only on paper without super-fine details attached up to this point. There were
some holes in the plan that we just could not fill 10 years ago when we wrote
it. But, it would include the fact that we’ve left our home in trust for our
sons so that they can viably stay in their own home with constant supervision.
As with all things in their life, it requires a VERY gradual, methodical change
in order to be successful.
This
entire transition plan, we knew, would cost money. We had no exact idea how we would fund the
caregivers or the upkeep of the house. So, some years ago, we established some
ways of saving money in the trust. I also continue to tap away at a 3-ring
binder that will record facts about the upkeep and maintenance of the house.
This gives us an idea on how much it will cost…. but nothing is perfect when
you are projecting into the future. It’s a start, and perhaps a middle.
This
month, a big thing happened. Jake qualified for a different waiver that will
help fund his caregiver for the rest of his life, despite us believing that he
would never clear the wait list we faced when he signed up at the age of 15. This
came long before we ever thought it would. It was the best and the scariest
news yet. We are thrilled that the question, “How will we fund the caregiver?”
has been answered, but it puts things in motion that we were not ready to think
about in our mid-50’s. We will be ready.
We are prepared to move forward, not backward.
It’s
been fifteen years since that workshop, and we’ve arrived at a really good
place in our lives. Our worst nightmare never came to fruition despite the
worry. I only wish I could have that time back to spend in a more productive
way.
Chris
and I have spent a great deal of time over the last year talking and
implementing many things that we need to tick off of our list in order to know
that our due diligence is done. It’s been difficult to say the least. Morbid
for some to even to read about, I know.
We
are working with our lawyer to complete the third revision of our Trust as I
write this. It’s all evolved in a very natural way and has come to a better
ending than we ever imagined. We feel at peace with the decisions we’ve made so
far.
Over
the past year, we’ve taken time to talk about and resolve issues surrounding
our own quality of life and the life after that.
-We
were able to purchase long term care insurance so that when no one is able to
care for US, there will be a plan. It was a nagging, unresolved issue that has
since been dealt with. One less worry.
-We
are in the process of pre-paying for our own funerals so that no one will have
to think about or decide what to do. Check it off!
Another
thing we have come to realize is that our sons enjoy many of the things we do,
including spending some time at the beach during the cold, long winter months.
So, we are exploring the idea of getting a small place in a warm climate where
we can begin to practice another transition that will, hopefully, carry on
after we are gone. It’s a work in progress. The ability to envision a positive
future has allowed these thoughts to flow through and be a bright spot as we
get older.
Our
sons have some of the best quality of life of any people we know. They love
their home, their jobs, their friends and all of the opportunities that come
their way. Behaviors are still with us, but in a minimal way. No one in our
family is perfect, so we do our best. Yes, we still have some learning to do
before Chris and I exit this earth, but we have faith that it will all happen
in due time.
So,
for now and the rest of time, we are vowing not to spend every waking moment
thinking about Fragile X Syndrome or what will happen when we are gone, but
making memories to last a lifetime.
To learn more about Cindi Rogers, read her full story at Becoming Mrs. Rogers
I am curious, if it isn't too prying, how much money you are foreseeing for funding your sons' caretaking. In our setting up of a SN trust our lawyer was saying we should aim for $2M which of course is beyond daunting.
ReplyDeleteGeorge, I think this is an excellent question. I think it depends on what the lifestyle is, what their needs will be and when the plan will be activated.
ReplyDelete