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The Moneyologist: My uncle with dementia needs long-term care — should I refinance his house?

Dear Moneyologist,

I wrote to you several months ago about my uncle who is suffering with dementia. I wondered whether I should pay off his mortgage before he can no longer live alone and you gave me advice — thank you for that. Since then the landscape has evolved and, sadly, the circumstances have accelerated faster than I had anticipated, especially over the last six weeks. While I care deeply and desperately want to help, I am simply not qualified to oversee — let alone, administer — the care needed at this point.

For my uncle’s safety and my peace of mind, he now needs 24 hour coverage.

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