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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Many seniors are not satisfied when placed in a nursing home. This is because they want to maintain their dignity by living independently in their own home for as long as possible. If your senior loved one needs any form of care and you're considering which type of senior care is best for him, then consider providing him in-home care services. This is the best type of senior care because it allows an individual to stay in a familiar surrounding while receiving the right care they need.
Often, price and care are great determining factors in choosing the right type of senior care. In home care services do not include charges on hospital or nursing home facilities and equipment so they are usually cheaper and more affordable. Nursing home's cost varies by state, but in general the expenses are often far above the median income of most seniors. Medicare can only cover a small portion of long-term care. For this reason, seniors who cannot afford the costs of a nursing home can start to consider about hiring in-home care services.
There are more benefits to receiving home care services than staying in nursing homes. For most seniors, the ability to keep certain level of independence can help improve their quality of life as well as their over-all well-being. Besides, not all elders need full-time assistance. Some are still mentally and physically fit to perform daily chores and they only need some help in other areas of their life, such as grocery, shopping, or going to doctor's appointments. These types of seniors may only need help for a few hours a day. But even those who need constant care may still find it more beneficial to stay in their own home than in a nursing home. Sick seniors who receive in home care services often receive more personalized care than those who stay in nursing homes, where staff has to attend to many people with different levels of needs.
Homemaker services are almost the same services offered by personal care and companion providers. Receiving this type of senior care in home often puts off the need for an individual to be transferred to a nursing facility or allows someone who has been hospitalized to return home much sooner.
Selecting a senior care in-home provider requires probing into the credentials of the individual if you're hiring directly or an agency's credentials, should you choose to hire a caregiver through them. Make sure that the service provider you hire is highly trained and qualified to provide dependable care to your loved one. If at all possible, do a background check of the person just to ensure that you're leaving your loved one in good hands. With the right senior care provider, your loved one can enjoy full freedom and satisfaction while living in familiar surroundings, which is what is lacking in nursing homes.