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.
Best Ways to Find Senior Home Care Agency in Paterson
Budgeting For Senior Care - How Much Does Elder Care Cost?
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
Share the (Elder) Care: 6 Steps
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.