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
Senior Services - a Need Filled for the Elderly
Many seniors are not satisfied when placed in a nursing home. This is because they want to maintain their dignity by living independently in their own home for as long as possible. If your senior loved one needs any form of care and you're considering which type of senior care is best for him, then consider providing him in-home care services. This is the best type of senior care because it allows an individual to stay in a familiar surrounding while receiving the right care they need.
Often, price and care are great determining factors in choosing the right type of senior care. In home care services do not include charges on hospital or nursing home facilities and equipment so they are usually cheaper and more affordable. Nursing home's cost varies by state, but in general the expenses are often far above the median income of most seniors. Medicare can only cover a small portion of long-term care. For this reason, seniors who cannot afford the costs of a nursing home can start to consider about hiring in-home care services.
There are more benefits to receiving home care services than staying in nursing homes. For most seniors, the ability to keep certain level of independence can help improve their quality of life as well as their over-all well-being. Besides, not all elders need full-time assistance. Some are still mentally and physically fit to perform daily chores and they only need some help in other areas of their life, such as grocery, shopping, or going to doctor's appointments. These types of seniors may only need help for a few hours a day. But even those who need constant care may still find it more beneficial to stay in their own home than in a nursing home. Sick seniors who receive in home care services often receive more personalized care than those who stay in nursing homes, where staff has to attend to many people with different levels of needs.
Homemaker services are almost the same services offered by personal care and companion providers. Receiving this type of senior care in home often puts off the need for an individual to be transferred to a nursing facility or allows someone who has been hospitalized to return home much sooner.
Selecting a senior care in-home provider requires probing into the credentials of the individual if you're hiring directly or an agency's credentials, should you choose to hire a caregiver through them. Make sure that the service provider you hire is highly trained and qualified to provide dependable care to your loved one. If at all possible, do a background check of the person just to ensure that you're leaving your loved one in good hands. With the right senior care provider, your loved one can enjoy full freedom and satisfaction while living in familiar surroundings, which is what is lacking in nursing homes.