As people age they often require increased assistance in everyday activities. Decisions on what is the best type of care for a senior can be difficult and often complicated. Here is help on how to decide between assisted living or senior care in their home.
The choices between assisted living professionally at a nursing home or relying on care in the home can be an agonizing choice for the family of a senior. There are pros and cons to both options and they should be carefully considered before an arrangement is in place.
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As our grandparents and parents grow older, we need to decide how to care for them. None of us would want to place them in a health care facility, under the care of others. However, our hectic schedules, time for kids or our health problems may leave us with no choice but to put them in senior care.
Assisted living facilities and nursing homes are also referred to as senior care communities. When you need to place your aging relatives in a senior care community, you'd better make sure that they get the best possible care. Read further to learn some aspects that you should consider before deciding to let your loved ones stay in an assisted living facility.
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When you visit a facility, see how it looks. If it looks uninviting, with its dirt and clutter, just walk away. Use a restroom to see if the toilets, sinks or floor are clean or not. If the toilet is dirty, there is tendency for the other restrooms to be filthy, as well.
If possible, try to have lunch at the cafeteria. Try to observe the way the food tastes, the manner in which service is given and the atmosphere, as a whole. Whatever you feel about the cafeteria indicates how resident seniors also feel.
Lastly, speak with the staff directly to know how the facility is being maintained. It is normal to feel skeptical if any people from the staff act in a rude and unprofessional manner, or if they are not familiar with the facility.
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The Costs of Senior Care Options
When planning for our retirement, most of us allocate money into a 401K or another savings program to take advantage of tax write-offs and to make sure we will be able to enjoy a nice lifestyle when we are no longer working from 9 to 5. We imagine using the money to supplement our monthly social security checks to enjoy vacations and other leisure activities while taking advantage of all those senior discounts.
The financial company advertisements assist us with the visions of enjoying gardening, sailing and relaxing during our retirement years. They don't show the other side of the reality which includes health problems which accompany aging. Along with a longer life comes an increased chance for developing an age-related disease, such as Alzheimer's Disease or Parkinson's Disease. Alzheimer's Disease is now the sixth leading cause of death, according to the Alzheimer's Association. As we all witnessed from watching former President Ronald Reagan battle the disease, a senior with Alzheimer's Disease can live for many years, while requiring a caregiver to assist with their daily living. As Medicare does not pay for long-term senior care (only stays of 100 days or less in a nursing home for rehabilitation after a hospital stay, with doctor pre-approval, with only the first 20 days paid at 100% by Medicare), the costs can quickly add-up.
Remember, Medicare does not pay for long-term care, which means to effectively plan for your senior care needs, you must plan for where you want to receive the care and save to pay for the care services either in a nursing home or in your home. While less than 7% of Americans over the age of 70 currently have long-term care insurance, it is predicted that more than 50% of Americans will have long-term care insurance in twenty years, as people witness their parents burn through their life savings to pay for their senior care needs. Research the options and manage your investments to allow you to choose your preferred senior care and look for unbiased, third-party information as a credible senior care resource