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 Agencies For Elderly Home Care in Linwood
The True Benefits of Elder Care Services
While they shouldn't exert themselves in the heat, there are plenty of opportunities for seniors to have some summertime fun. With a little creativity and thoughtful planning, your loved one can enjoy the warmer weather.
Make new memories, and reinforce old ones. Spending time outdoors can be healthy and refreshing. Ask seniors their favorite way to spend summer years ago and re-enact that experience. Pack a simple picnic and head to their beloved neighborhood park. Pick up your loved one and bring them to a grandchild's baseball game. Take a slow stroll by a nearby beach or lake. Because many seniors are early to rise, you can catch the sunrise while enjoying a cup of coffee together.
Visit a museum or attend a cultural event. As we age, there is a greater risk for dehydration, heat exhaustion and heat stroke. Take a break from the warm weather with some indoor fun.
Explore a local museum or art gallery. Buy tickets to an afternoon performing arts show or head to the theater and take in a movie. Visit the library. If reading is now difficult for your loved one, read to them or pick up audio books. The air conditioning in each of these buildings will be a relief on a hot day!
Senior Care: In-Home or in a Nursing Home?
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.