As kids we were raised to be honest. I am finding it very difficult to lie (pretend) that things are what they are not. My mom's dementia throws new challenges at me everyday and sometimes I'm caught off guard. If she asks a question or makes a statement that is untrue I find it difficult not to correct her. The more she tells lies or misinterprets the truth I learn how to handle it, but when she comes up with something entirely new it throws me as I need to figure out in my own brain how to deal with the new statement without upsetting her. I have never had to worry about thinking on my feet as it's always been easy to tell the truth.
Does anyone have any tricks up their sleeve (almost like an automatic response template) that I can adapt for these situations? It is really difficult when dealing with important matters like her financial commitments and I find it extremely difficult to persuade her to pay bills when they are due as she is convinced that she has already paid them and it turns into a major fight.
I've reduced my replies to a smile and a few stock answers: if it has to do with her traveling or others traveling to see her, I say "oh that's nice" or "yes, okay". Repeat as necessary.
If it has to do with a discussion between us, like what's up with her finances, I asked her if we can have the conversation tomorrow morning when I've printed out her bank statement and bills paid. She always asks when and I always say tomorrow at 9 am.
I was lucky enough to request her financial power of attorney back when she could still sign for it. It sounds like you definitely need the assistance of a lawyer for the elderly who can show you how to take that power in hand without her signature. She is past the stage of being able to understand the reason.
I've been handling all of her finances for 15 years now. During the first year of paying for bills without her assistance, I did print up a spreadsheet every month, this progressed to where I kept one spreadsheet and kept telling her it was a new one every month, then we got to my just handing it to her and she would glance at it and say okay never mind ... nowadays she's not speaking much at all.
I cope with my husband's delusions by pretending to take them seriously, and reassuring him in a serious voice that all is well. He has zero short-term memory, so any conversations are forgotten within a few minutes anyway.
-- Yes, this is where you live. You are in the right place. No, you don't have to pay anything to stay here.
-- Oh, someone was supposed to come pick you up, and they're not here yet? Well, it's pretty late at night. I don't think anybody is coming. [Oh, yes they are! He was supposed to be here!] Well, we'll look into it first thing tomorrow morning. [Repeat, and embellish as needed].
-- Once, he told me, very anxiously, that he needed to get on a plane or a train to the United States. When I said we already live there, he would not believe me. I brought up a map of the U.S. on my laptop. He recognized the shape. I pointed to where we live. He said, "Are we going to stay here?" I said yes. That was what he needed to hear. Doesn't stop him from bringing it up again some other time.
-- Another time, he said he needed to the train station, to go someplace, he didn't know its name. I responded to the anxious emotion, not the nonsense. I said "Well, it's pretty late at night, the trains won't be running. I'll call for reservations tomorrow, OK?" That was what he wanted to hear.
-- The one thing I don't lie about, is when he asks for his mother or sister. To avoid endless questions about when he can go see them, I say right out that they have been dead for years. Once, I pointed out that if his mother were alive, she'd be 120 years old. But in his case, he seems to take this OK. If it ever upset him, I would come up with a fib for that, too.
The first real "thinking on my feet" happened 9 months after mom was moved to MC. She asked could I drop her off at her mother's on my way home. Her mother was gone at least 40 years by that time. I glanced at my watch, said it's a little late, not exactly on my way home, maybe tomorrow. She accepted that with OK. Then she asked if I had a key to her place, referring to a previous home (sold 25+ years prior!) I checked my lanyard and said not with me, I'll check when I get home. Again, OK, but stated she'd go stay there tonight if she had a key!
When she talk of others who were gone, I would primarily listen, or make non-committal responses. IF she asked about someone, like have I seen Mary recently, I could just say no, not recently. Not a lie, just doesn't say that the person is long gone!
As for finances, it may be too late to get that POA. It depends on the EC atty - mom already was in the early stages - we had POAs set up but had to do other legal things. The atty took her aside and questioned her, and when he was satisfied that she understood what she would be signing, he allowed it. Your mother may be beyond that at this point. So, the questions I have are:
1) What bills does she have?
2) What is her source of income?
3) Does she have to use any savings to pay bills?
4) Do you live together?
#2 is the most important. If her only income is SS, then the easiest solution is to sign up as Rep Payee. Call the local SS office and request this. I did NOT have to bring my mother with me when I applied. I brought lots of documentation with me, but they didn't look at anything. They ask questions and submit it. She'll receive notice that you've applied, but if you collect her mail, just hold it. Once approved, you set up a special Rep Payee account. The first payment will be a check, but then you can call the SS office and give them the routing/account information. You have to report yearly, but it can be done online through your own SS account and is not hard to do. Also, once approved, you are also privvy to her Medicare as well.
You should *NOT* be using your funds to pay her bills. YOU need that income yourself and presumably she has enough to pay, she just gets confused thinking she's already paid it!
Another option is to sign up for online access. This would be useful if there is another income source and/or savings needed to make the payments. This can often be done completely online - POA would be best, but we have to do what we have to do. The only other option would be to get guardian/conservatorship, which can be expensive, invasive and take time (expense would come from her assets, not yours.) If you can set up an online account, use the bill payer system to make the payments (I generally do not use the auto-pay/e-bill. I wanted the statements mailed, so I have records AND make the payments myself to ensure they are correct.) If she doesn't use email, set up an email account in her name, as this will be needed for the online system. IF you can do all this, then just take all paperwork (bills, bank statements, checkbook, etc) away. I did this when I had my brother take her out for the day - once all was gone, she basically forgot about it. If it comes up, some deferral (bills haven't come in) or fib (you don't have to pay these anymore, at your age!) Whatever works to keep her calm.
The goal is to avoid upsets, arguments, disagreements, accusations, etc. Deferring a real response takes practice, but you'll get better at it: haven't see the bills yet, they haven't come in yet, don't have to pay anymore, I'll look into it, whatever works.
As for her anxiety or panics, consider a very mild dose of anti-anxiety med. My mother needed this during a UTI sun-downing episode. She was fine in the morning, but later in the day? Oh boy! Taken a little before it would normally start avoided it but didn't dope her up.
A dose before bed might allow her to sleep through the night. During the day, if her "episodes" happen later in the day, it is likely sun-downing and these meds can help (mom used Lorazepam, lowest dose, never caused any issues, no falls, no zombie-like result, just enough to take the "edge" off.)
As for responses, until you really get the hang of it, use the 10-second rule: let me think about it, giving you time to regroup and perhaps come up with something that is non-committal or satisfactory, without lying.