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.
Caregivers for Seniors - Tips on Hiring A Caregiver
You may have come to a point in your life when you are faced with some decisions about caring for an elderly family member. Many families who live in close proximity share that blessing of caring for another; however, for those who live some distance away, there are choices to make that will affect the livelihood and comfort of your aged parent.
Before you embark on the mission of finding a qualified caregiver, here are a few tips to help make the process a little easier:
Research to Find the Right Senior Caregiver
You know best the personality of your aging loved one, and the type of care they need and you want them to have. Make sure that you find a caregiver who fits that picture. If you aren't able to research, and interview to find the ideal candidate, then consider having an agency assist. Some agencies provide caregivers for short-term or long-term care. Evaluate the process used by the agency and determine if that agency will meet your needs.
You, of course, want someone who will treat your loved one with respect, but also someone who has the experience necessary to be effective. Make sure the caregiver is knowledgeable in the special areas that your loved on needs help. In advance, prepare a list of what you believe to be necessary for the care you'd like to provide, so that you can determine the best person for the position.
Caregivers are faced with a difficult task, which requires just the right person. Family members are not always the ideal person to manage this responsibility. When you can't be there for your family member, you will want the person you hire to exhibit trustworthy qualities, a loving nature, and great fortitude.