DH and I bought a stairlift ourselves which he definitely needed after he broke his hip. But we also have numerous other items from our local adult social services team that are a huge help with DH's limited mobility. The team has been very helpful, all free of charge although we have offered to pay for items. The aim is to keep people out of hospital/care and in their own homes for as long as possible.
I think you should be honest and simply say you cannot afford it. If the bed is so essential it might be available from social services - who might in fact assess it as unnecessary or suggest an alternative item. DH has a bed handle from adult social services that is a big help.
He has done it! The toolmakers son has resigned!
