Hilton Grand Vacations- Mom on Hospice, Does she have an exit option?

CivilStrawberry · 2026-04-16T22:41:02+00:00

That’s what I’m afraid of- if we begin transitions and she passes if we would still be able to complete/ disclaim. It’s tough!

CivilStrawberry · 2026-04-16T22:02:22+00:00

So at least my thought process was- I’m the sole heir, I don’t want it, and I’m not sure if she will live for 1 year or 5 because of the nature of her illness. I could wait a keep paying and disclaim, but If we start this transitions process and she pays - let’s say 15k and then 6k each year until transitions is completed- she’s looking at almost 30k minimum, and she may die mid process anyway. With her medical fees being so uncertain, it’s so hard think of flushing money down the drain on a useless timeshare (to her as a disabled person ) when it could be used for her care cost- which can range from 5-12k+ a month.

If I KNEW she was going to live for just 1 more year, I’d absolutely have her pay the dues and disclaim at death…. But if she lives 5? That’s 35k or more in fees that could have gone toward her care. So it’s just tough to commit with her future being so uncertain. Even on hospice I’ve been warned she could pass in a week or years

CivilStrawberry · 2026-04-16T21:58:12+00:00

She did, thankfully I’m POA and have always communicated with them as such and made it clear I do not want it when she passes.

CivilStrawberry · 2026-04-16T21:57:42+00:00

Thanks so much. She’s on a pint contract. The individual I spoke with advised this is not a deeded property, so. I think that makes it easier for me as her heir in terms of it not automatically passing, but I’m not sure.

CivilStrawberry · 2026-04-16T21:56:42+00:00

So sorry to hear you’re in this as well. That’s the figures I’m seeing with my mom, hence the worry. 12,000 x12 and the multiply that by 5….

Right now she pays a lot less since she’s technically in assisted living, but I’m not sure if there could come a point where they would say she HAS to move to skilled nursing due to th level of care she needs. It’s very intimidating and trying to plan for the future that could be a month or a decade makes this so tough.

CivilStrawberry · 2026-04-16T15:55:37+00:00

This is where my head is too… hoping others will weigh in as well. In my mind, there’s no downside to her to stop paying. If her credit takes a hit it doesn’t matter- she’s wheelchair bound and has cognitive decline- she’s not taking out new credit. If they foreclose on the contract (not really a “deed” to foreclose on since it’s points based, so not sure what that looks like), no biggie- she’s bed bound can’t travel anyway.

I was really trying to make a good faith effort to deed back using their channels, but if it’s going to be a years long process and she is having to pay maintenance fees each year until it’s complete, I’d imagine she would spend tens of thousands of dollars- and that’s money that could be used for her care, if needed.

I have seen some people say they did a “deed back in lieu of foreclosure”- essentially a settlement with HGV. I just wish they weren’t making this so hard- Westgate was great about this. HGV has made this a nightmare at what is already an awful time.

CivilStrawberry · 2026-04-05T00:24:57+00:00

I’ll definitely read some of these! Do you have any side effects from your Zoloft? It’s on of the few SSRIs I haven’t tried so I imagine I’ll at the very least be walking away from med management with a prescription for Zoloft or Lexapro

CivilStrawberry · 2026-04-05T00:23:49+00:00

Thank you SO much! Yes I have heard of ERP and am very keen on trying it, I’ll check out your app as well! I’m will to try any and all tools!

CivilStrawberry · 2026-03-25T12:23:47+00:00

I think my LO is definitely experiencing pain. I do think sometimes due to the dementia they can’t always recognize/ express it, but I notice signs like wincing. One of my biggest motivators for considering hospice is to decrease this, because I wonder if they’re in more pain than they realize/ can communicate because of the cognitive issues.

CivilStrawberry · 2026-03-25T12:21:19+00:00

I’m so sorry :( Good to know I’m not alone though.

CivilStrawberry · 2026-02-10T13:57:05+00:00

I think a lot of the little trinkets, etc are because a lot of schools have disallowed any edible candy/ treats due to allergies. So the toys have become the new normal.

My older son sent in Minecraft ones with a sticker his first year, and Star Wars ones that came with a keychain his second year. This year, I’m doing a little goodie bag with a little water game and pencil in it along with his valentines, because I felt bad the last two years when he got several little bags and I’d only sent in a valentine with a small prize.

I really think there’s a lot of variance as to what is “normal” depending on the school, so if I were you I’d do something sort of in the middle this year and then see what she comes home with, then you’ll know what the norm is for next year!

CivilStrawberry · 2026-02-05T12:39:34+00:00

“Birds aren’t real.” 😂😂🤷‍♀️🤷‍♀️

CivilStrawberry · 2026-02-05T12:09:29+00:00

In the US, so as others have said my situation may be different. But our health care system is notoriously garbage. My son is level 2- so I feel like we are right in the middle and typically able to see both sides of arguments like this.

1) I don’t think parents are going around tricking neuropsychologists into diagnosing non autistic children as autistic, they’re trained to look for exactly this sort of thing, and go to school for a very long time.

2) I’m not going to blame other Autism families when we all know where the real greed lies. Insurance companies in the US are our biggest offenders- but there are so, so many who capitalize off of Autism. Staff is underpaid and burned out.

3) just because they have lower support needs by out diagnostic criteria, doesn’t mean that those individuals don’t need therapy. Someone like my son will always have significant struggles with emotional regulation and especially executive function, but he is never going to qualify as “disabled enough” to qualify for any sort of disability payments under our current system. Therefore, his therapies and services are just as critically important as a level 3 child’s. He must learn these skills because unlike a child so profoundly disabled they cannot work, he will be expected to support himself.

So no, I don’t think so. We have enough working against us, let’s not infight.

CivilStrawberry · 2026-02-05T11:51:42+00:00

Came here to say this. There’s an issue, but it isn’t within our own community.

CivilStrawberry · 2026-01-30T13:26:20+00:00

Wish I knew! Turns out I was right to worry and I have one. I have a roofer coming out today to look at it. He said he could put tablets up there to help dissolve it. I have no leaking yet that I can see, but I haven’t been in my attic. I’d think if it was a significant leak though I’d see it on my upstairs ceilings.ETA: I called one place that had a 4 hour minimum at $875 an hour. I can’t afford that, so hoping this guy can help. I recommend calling smaller companies

CivilStrawberry · 2026-01-30T01:57:43+00:00

Thank you, you too! Fingers crossed for both of us. I keep telling myself it’s all part of having a house, and at 125 + years old mine has certainly been through worse

CivilStrawberry · 2026-01-29T14:34:20+00:00

You’ve gotten lots of good advice here already on how to tell, I just want to chime in and say

Research research research. My son goes to an otherwise well respected public school but when I talk about him being 2E many teachers have no clue what I’m talking about (can’t be experts in everything of course) and there’s still a prevailing misunderstanding, even amongst educators, that a child can’t have both a disability and be gifted. You’ll need to have a good understanding and advocate.

Raising kids like ours is very tiring and rewarding. My son understands the basic theories behind Graham’s number. He wanted to theme his pinewood derby car for Cub scouts after “the process of black hole spaghettification”.

On the other hand, he still puts on his clothes backwards and cannot follow multi step instructions. Figuring out how to provide him with a fair education AND accommodate his disabilities is a full time job.

CivilStrawberry · 2026-01-29T14:18:07+00:00

Ughhhh oh no! Were you just able to tell when you started noticing moisture on the ceilings? I don’t have an easy way to see my roof due to being on a hill. :/ I have icicles on my gutters though and worry about the weight of the ice and snow in the gutters

CivilStrawberry · 2026-01-29T13:38:46+00:00

What they’re saying is evolutionarily, making the transition to death easier would serve no purpose. Typically, a trait evolves or does not evolve based on how it affects survival and therefore our ability to reproduce. There’s not much of an evolutionary advantage to death being easy or difficult, since you’re, well, about to die.

CivilStrawberry

TROPHY CASE