Hi,
I am/was 7 yrs shy from retirement - and my parents are elderly (but healthy!) 92 year olds. I'm in early stages and staying at home while my husband works. I've applied for my disability pension - hopefully that will come along sooner than later. (much slower in Canada even with firm Dx. - but it's paid out retroactively from application date... eventually). Our main concern is the inevitable house move - we own a condo in a high rise - but we're on 2 floors and even with a chair lift, it will not be do-able long term. I'm sad about that, but we hope to buy a one level unit in this building if one becomes available. We love our Centretown location and neighbours. If not, we will consider renting out our unit while we temporarily re-locate to another more suitable rental apartment and in which case, my husband can return to our current home when the time comes.
Thankfully, I hail from a very large tough stock French Canadian family - so my siblings have stepped up and assured us that they are in for the long haul to lend a hand - a few of them have recently retired and have the time and energy. That being said, I am quite certain that my retirement savings will go towards my care (and alas not to climbing Mt Kilimanjaro). Inevitably, my self-employed husband will have to keep working longer than planned to ensure we do not exhaust our savings and to provide the means for us to hire private personal care workers as my needs dictate. Our son is pursuing his PhD - and we will not allow ALS to inhibit his studies in any way shape or form. Thankfully he is independent, but as a parent, you always want to subsidize your kids - but we will not be able to do as much as we had hoped. (even if he is quick to reject such help).
It's a scary prospect and our dreams are shattered, but on the whole I am optimistic that we will get through this one way or another. You know the saying... Best laid Plans... We can only plan so much ahead and I think some decisions will have to be made on the fly. I am a very lucky person - and my husband reminds me everyday that my job is to stay positive and his job is to safeguard my dignity. What more can I ask for?