Senior Care Services Middlesex

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.

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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 Mom and Dad age, the reality hits that they may need senior care. Determining what type of senior care they may require is often a good place to begin. Are they still somewhat independent, but just need help with cleaning and shopping or are they in need of more care? Areas to look at could be their physical health, any changes in hygiene, trouble with finances, trouble keeping track of medication, insurance, or bill paying. Are they able to keep up with their daily living activities such as cooking? Ask them if they are they getting enough to eat? How are they getting to the store and getting groceries home? Has it gotten harder to get around during inclement weather? These are simple tools that will help to facilitate important discussions concerning their senior care and safety.

If your loved one needs round the clock care, you can use Medicare´s new Nursing Home Compare tool to assist you in finding a good facility.

Perhaps it is just time to downsize to help them maintain their independence? No matter what the individual situation, it never hurts to put yourself in their shoes before proceeding. Growing old may have its challenges, but taking the steps to look at the situation through their eyes most often gives the caregiver a good vantage point and the ability to provide not only senior care, but a good dose of dignity as well.

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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

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