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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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
Caring For the Elderly
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.