Archive | November 2013

You Might Be a Caregiver

there are millions of people who provide care for their loved ones, who takes great responsibility and difficulties as well in doing their duties. All of them should be considered as caregivers. In the process of giving care to other people or their loved ones, they tend to forget themselves. Often times, caregiving is connected to long term care recipients since they are the ones who need it most. Take a look at related articles about caregivers and caregiving for more informative information regarding this topic:

Long-term Care Diary

I watched this video today and it got me thinking. It’s a very entertaining and light look into caregiving and how people could tell if they’re a caregiver or not.

After watching, I realized, maybe they made the video because people really can’t tell or don’t know when to consider themselves to be a caregiver. Then I thought, is it because they really don’t know or maybe it’s also due to their denial? Maybe most of us refuse to be branded as the “official” caregiver of our parents, spouse, or other relatives.

Another reason could be our definition or image of what is a caregiver. Does the term strictly apply only to someone who changes adult diapers, spoon-feeds an elderly patient, or helps in bathing an incapacitated person?

For me, we should widen the scope of caregiving. Even if you are not 100 percent involved, even you’re not the one…

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Being a caregiver is a rewarding but stressful responsibility, oftentimes, they struggle with difficulties emotionally and physically. Here’s how you can enjoy a stress free environment while caring for seniors in long term care facilities:

Major Services and Facilities for Senior Long Term Care

Seniors require long term care if they need constant medical treatment due to health problems. Those who are too weak for daily activities need caregiver assistance. There are many senior long term care services offered in a wide range of locations.

Nothing is more fulfilling for senior citizens than receiving care from family members within their own homes. Few families in the US conduct this approach to long term care. In-home care is usually provided by volunteers, social service workers, and professional caregivers.

There are seniors who prefer in-home care because they live with their families or they are still in good shape. For seniors with relatively frail bodies, they get assistance with bathing, dressing, going to the toilet, and moving throughout the house. Other in-home care services include home-delivered meals and regular maintenance of the house’s interior and exterior.

People who choose in-home care usually pay it from their own savings or through financial support from family and relatives. Private insurance companies also provide insurance policies that cover in-home care benefits. If backed by Medicare, this type of long term care service is called ‘home health care.’

Different Long Term Care Facilities for Specific Needs

Aside from within homes, senior long term care can be received in facilities. Groups of senior citizens may live together in assisted living facilities. These facilities provide housing, bedrooms, kitchens, laundry, and other comforts.

long term care insurance

Seniors with weakened bodies can still avail with assistance for daily activities in such facilities. Assisted living facilities may also provide medication. Additional services include home maintenance and around-the-clock security.

Nursing homes, on the other hand, are specifically made for seniors who require medical attention and similar needs that cannot be provided in a home setting. Caregivers, nurses, and doctors make sure that their recipients eat a balanced diet and take prescribed medication regularly. Residents receive immediate medical help when symptoms of illnesses get worse.

In addition, seniors can be relocated to nursing homes after a request for respite care. Family members and even caregivers may find it too difficult to take care of some seniors. They can ask other people to look after these seniors, and this is called respite care. Reasons for respite care include serious ailments and mental impairment.

Retirement communities generally accommodate more seniors than assisted living facilities. Long term care service in these facilities may vary according to individual requirements of seniors living there.

Even healthy seniors who prefer to live independently have long term care facilities specifically for them. Supportive housing programs enable lower or middle class seniors to live in affordable homes. These programs are managed by either the state government or the federal government.

Because residents of supportive housing programs are generally healthy, long term care benefits in these facilities are lighter. Services include housekeeping, transportation, and delivery of groceries or cooked meals.

Aside from these options, there are also long term care facilities for seniors who have terminal illnesses. The type of care under this setting is called hospice care. There are specially designed facilities for seniors with dementia, Alzheimer’s disease, and other mental complications. They receive caregiver assistance, medical treatment, and therapy in these facilities.

These are the options for senior long term care services and facilities. They are also covered by various long term care insurance policies.


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‘Tis the Season for Charitable Giving

Talking about thanksgiving? Here is what we should be thankful for, a group of special residents who devoted their time and effort to raise funds for varied charitable institutions. There are lots of people out there who are ready and willing to volunteer , who prefer to spend their time on worthwhile activities. In fact, there are hundreds of thousand hospice care/ long term care volunteers across the US. You will find their story interesting and heart warming:
Let us give credits and thanks to people like them

Upland Rehabilitation & Care Center

A few weeks ago I wrote a post about our “Dream Team” – the group of very special residents who volunteer their time and efforts in order to fund-raise for different charities throughout the community. I wrote about their baking prowess as they make lots of sweet treats for holiday grams and bake sales. They’ve also made and sold jewelry and hope to create beautifully decorated bags as their next project. You remember now? Well, last week this wonderful group of residents celebrated their fundraising efforts by presenting a check for $500 to the Foothill Family Shelter!

The Shelter provides housing for those in need from 120 days up to a full-year. They also run a food pantry and offer counselling and social services for men, women, and families. Each individual or family is required to search for jobs, save significant portions of their paychecks or welfare checks, and make…

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Things to know before committing for a Long Term Care Insurance

Before you sign up for a long term care insurance, there are certain factors that you will need to look into so you can maximize the benefits and minimize the costs. This is a short guide for the things that you may need to consider to get the optimum policy that will suit your future needs.

You can check online for long term care (LTC) quotes. There’s no need to immediately go to an LTC vendor to inquire about getting and LTC insurance (LTCI) or be given an LTCI quote. It can be done online and you can get faster results and you also don’t have to worry about any charges because getting online LTCI quotes is free.

Next thing to consider would be the company to go with. It’s highly likely for you to receive more than one quotation from a single company and there’s also the part where you’ll get another set of quotes for LTCI from another company. Soon you’ll find yourself struggling and confused about which quote to go for and which company to go with. Getting long term care insurance isn’t supposed to be as hard or as confusing.

However, if you have reached the point of confusion from deciding which would be more beneficial to you, you can always consult with an LTCI specialist or with an LTCI agency. They will help you with the quotes and will also explain to you further information regarding about your state and how it can have an effect on your chosen policy and also discuss with you the pros and cons of the effects.

Before making any commitments to any quotes and policies, you will also need to consider your budget. Many times, the policy you may want will not be affordable and you end up with a policy with a benefit that you might end up unhappy with. Do not forget to mention your budget with the LTCI specialist that you’ll be consulting with.

Your current health is another factor that you need to bring up while consultation. You will need to bring up your medical history, previous illnesses or any medication that you have been taking. This part will help in determining whether you will need intensive medical attention or a regularly monitored clinical attention. While you are bringing up your own health history, it would also benefit you to bring up your family’s medical history so that you may identify possible future illnesses and it will be handled by the LTCI specialist.

After everything has been settled, you may ask the LTCI specialist about how much the rates would be from the initial costs to the monthly premiums and from there, you would know how much you will be putting into your budget for the LTCI that you have decided to go with.

Just make sure that you get these factors checked before you jump into getting a long term care insurance and by then, you’re future, wealth and health will be secured.



The Need for Emergency Preparedness Specialists in Long Term Care

The need for good disaster planning is a must for long term care facilities because they are dealing with seniors who are frail, physically impaired and some have chronic diseases. There is a need to reassess management plan during emergencies and natural disasters to ensure the safety and well being of the residents. Learn more on how LTC facilities can prepare for natural disasters.

Long Term Care Legislation: Pros and Cons of The CLASS Act

The Community Living Assistance Services and Supports Act, which is more popularly known as the CLASS Act, was the Obama administration’s stab at establishing a national insurance program for the U.S. However, though the President already approved this particular long term care legislation early in 2011, critics of the Act worked to prevent its implementation because of several key flaws they discovered through meticulous analysis and calculation.


From a high perspective, there are many good things to be said about the federal health care agenda. It’s easy to apply since even those who have been denied insurance policies before can still apply, and there are no strict underwriting procedures. There’s no mandatory inclusion – people have to voluntarily enroll in the program. Also, anyone older than 18 years old, employed, even if they’re still studying, can also apply.


The major difference between applying for membership in the CLASS Act and for private insurance is that the applicant’s health is not considered in the calculation of premiums. They only gauge if you are capable of regularly and religiously paying the premium. So, even if you’re already suffering from a chronic ailment or possess a disability, you won’t be automatically denied which is quite contrary when applying at a private insurance carrier.


There’s a downside to this open application and process though. Since there’s no strict underwriting, there will be an incredible number of insurance claims that the health department has to process, that could also later affect the cost of premiums.


The crux of this long term care legislation’s viability is that it is going to be wholly funded only by the collected premiums of its members and that absolutely no taxpayer money will be used to issue claims. After consistently paying for five years, a member can begin receiving the benefits they were promised when they would require long term care.


However, remember that membership is voluntary, so there’s no knowing how many people will actually enroll in the program. The government won’t be able to predict how much funds the CLASS Act can actually collect. And in the face of growing costs of care every year, it might not have enough funds to actually pay for claims.


Then there’s the benefit amount itself. The benefit amount you receive will depend on your condition, up to a maximum of $50 per day, but you won’t be able to know beforehand how much you’ll receive until after you already need it. This is very uncertain planning at best, which unlike a private policy could result in you spending a lot of money anyway. $50 a day is hardly sufficient to pay for health care expenses in the future.


Advocates of the program still hope that by modifying some of its components and provisions, the CLASS Act can be improved and become viable. Though most would be hoping a long time for a better national insurance plan to be implemented one day, waiting and not preparing at all for long term care costs would be worse.


It would take a long time for lawmakers to finally create a long term care legislation that can allow the government to answer our health care needs. Meanwhile, waiting only is not a good idea. You will need to start preparing for future long term care costs as soon as you can.



A recent study shows that  seniors who are getting themselves involve through the latest technology have less risk of developing illnesses. Some facilities are now using the aid of these latest technologies in advancing the lives of long term care recipients. In fact, an app was developed dedicated to the seniors which won first place in Hackfest. Read the full story here:

Options on How to Pay For Long Term Care

In buying long term care insurance, it is also important to know how to pay for long term care. There are a number of ways in which you could pay for your long term care services and still not spend everything you have just for it.


You could use your other kinds of insurance to pay for your long term care services. If you have disability insurance, you could use this to pay for long term care since its primary intention is to replace some of your income when a disability prevents them from working. Though, you could only use this is you have a disability or when you are already too old to be able to function and do everyday tasks very well.


You could also use your health insurance if you need to. Some health insurance provides help of payment for long term care needs, provided that you will get better afterwards. In relation to becoming better afterwards, the provision from health insurance also has limits of how much it could provide for you and will not shoulder all of your expenses used in long term care. Also, health insurance would just provide if it is really needed and medically necessary. Therefore, the coverage of long term care that health insurance would pay would only be limited.


For some, you could also use your life insurance to support your long term care needs. there is the option of accelerated death benefit in which you could use a part of your life insurance death benefit while you are still alive. It is a tax-free advance from your life insurance though sometimes you still have to pay an extra premium to add this to your policy for your life insurance.


Some also has the option of selling your life insurance altogether so you could use the money to pay for your long term care expenses. This option, though, cancels your life insurance and exchanges it for long term care, which with only what your life insurance could afford.


You also have the option to pay privately. And within that, there are options on how you could cover your expenses for long term care. For one, you could depend on your annuity. Your annuity could be paid one time in a series of payment in which after, you would be able to use when you need long term care as they will cover your expenses and give you support financially.


Another option is to use reverse mortgages. This is the option wherein a special type of home equity loan would allow you to borrow money and receive cash, depending on the value of your house, even without selling it.


Though, in this option, you would only qualify if you are old enough – 62 or older – and it must be your primary residence. You could pay back the amount of money that you borrowed when the last one owner of your house dies or moves away.


The house would now belong to the insurance company. But if anyone else would like to keep your house, they would have to repay the amount that you borrowed, and it depends in the insurance company the terms that they have to meet to reclaim it.


The next one would be the trust. If you happen to have a trust, which allows a person to transfer assets of one to another, then you could also use this to pay for long term care. This will be beneficial because at least, you wouldn’t have to use up all you have. Just make sure that what is being transferred to you is enough for the long term care that you need.


The last one would be the long term care insurance. of course, this option centers on paying and supporting for your long term care needs and expenses. You will just have to pay them first annually before you could even get the benefits and the coverage of the insurance company.


There are a lot of ways on how to pay for long term care and you just have to know how much you will need, how long will you need it and which things are in your priority to know which option is the best for you.


Aging Well

Aging Well.

Is there really a proper age for pursuing a life pleasure? This wonderful blog discussed about aging well. Like any other people who would like to live their life, and age with grace and dignity, we all have our own beliefs about life and aging. But what if life isn’t too kind and we have to face the challenges of aging? Like having to deal with chronic diseases or physical impairment, at exactly what age do we consider planning for our future? At exactly what age do we look forward and think of how we are going to age well? It’s high time that we look deeper into the crisis of aging population and consider getting long term care insurance: