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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Many of us will gladly take Mom to her doctor's appointments, administer medications, and check in if the need arises without a second thought. But with millions of loyal children caring for aging parents out of their own pockets, a little financial relief is welcome. Few family caregivers are aware that you can get paid - however small the amount may be - to care for Mom and provide homecare services. Due to the long working hours, however, some adult children caregivers have been forced to leave their full-time jobs or even scale back their hours spent on the clock, leading to a significantly reduced cash flow. Fortunately, if being a caregiver is causing a noticeable financial strain, there are homecare reimbursement programs that can help alleviate some of the burden. Keep in mind, however, that you must practice patience when applying for these programs - make sure that your application is up-to-date and all the necessary attachments are included before you send it so that delays aren't any longer than necessary.
Long-Term Care Insurance (LTCI)
Long-term care insurance, which functions as an indemnity program, only pays the insured the amount that was contracted at the outset, and regardless of homecare services that are received, will only pay that specified amount.
Making the Arrangement with Mom Official
Since money is involved, it's recommended that family caregivers draw up some sort of short, typewritten contract that outlines the terms of the caregiving situation in depth, including the pay rate and frequency, job description and homecare services that will be provided, and how various expenses will be reimbursed (if applicable). Hiring an attorney or other legal professional will help all family caregivers involved create a legal document that prevents sticky situations from arising.
It's also important to remember that this payment is viewed as income by the government, so all family caregivers must report their earnings each year as taxable income. Though the money received for providing homecare services is negligible, it will help to offset many of the costs associated with providing Mom (or Dad) with a loving, stable, and comfortable home.
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Society today recognizes the need and provides several non-profit agencies serving senior citizens and their families. They have worked hard to ensure a safety net of quality Senior Services in order to promote the well-being of aging people. They are typically operated through a funding source that relies heavily on donations. These types of services have been operating successfully for several decades.
The programs offered by such Senior Services often go by the names Adult Day Health, Meals on Wheels, or even simply Senior Support Groups. These services offer a number of much needed services including help with minor repairs in the house, or just providing the seniors with meals and social activity.
Any seniors that require information oh housing issues can find a wide variety of answers from the number of helpful websites online today. Friends and family can make use of this information to assist in making important decisions about the housing and living options for their loved one. Home sharing is also encouraged and there are Senior Services which can assist to facilitate this option. They will help to find the appropriate sharing partner and also supplement with other services required to ensure adequate personal care.
Another form of senior service includes recreation centers for the elderly. There are a number of group and individual activities offered that cater to the needs and interests of the elderly. Games, outings and parties are organized. This service facilitates meeting other people of the same age presents the opportunity to get to know other seniors in similar interests.
The Senior Services have dedicated and committed workers who work to promote the spirit of independence for seniors. There are rapidly growing numbers elderly people with disabilities and it is of utmost importance that their dignity is preserved. Through this increased interest in making available organized programs of nutrition, transportation, housing and social service, it is possible to bring that mission to fruition.