Tag Archive | Elderly care

Long-Term Care Insurance – Delving in to Possible Future Situations

 

As more and more people think that they do not need long term health care insurance, they fail to notice that it will do them more harm than good. People think that this kind of insurance is only for people who want to have a luxurious life in the future, and that it is only for people who earn significantly higher than the average. On the contrary, US Department of Health and Human Services says that 70% people will need long term care above the age of 65.

 

Since mortality rate nowadays is higher than those of before, people will live longer, hence, will need more help from other people when they cannot do basic everyday tasks anymore. And sometimes, assistance and care needed isn’t free at all. There and there will always be expenses such as the payment if you need to go to the doctor for a check-up, the payment for the caregiver you are hiring, the payment for the facilities, and even the expense for your transportation.

 

If you haven’t planned for your future yet, are you be willing to sacrifice and allocate your money and other assets to health-related and long term care expenses? Will your assets and out-of-pocket money be enough to cover all the expenses for the longevity of the years you will live post-retirement age? Do you think that you will be able to pay for the other expenses brought by daily living and of the old age at the same time?

 

A Look at the Long Term Care Insurance

 

Long-term care insurance is the service given to elderly people – the seniors – that are basically home or community-based. It is a long term care that centers on the assistance of the basic daily activities such as moving, eating, dressing, using the toilet, and taking a bath. Since older people get weak faster than they were younger, they, more often than not, need more assistance to perform simple tasks.

 

Almost everybody reaches this stage in life wherein people cannot move freely and easily anymore like they used to. Sometimes, even more complications regarding the health matters arise from this condition which makes a person’s life even more complicated than it already is. That is why you must start early in planning what to do in these kinds of situations so to avoid rush decisions that could bring you even more problems than you could handle at the time.

 

Ideally, you should start saving up and investing in long term care insurance when you still have the time, energy, and resources that you will need. It is when you are younger that you are farther and less prone to have sicknesses and complications that will affect your health, that is if you have a balance diet, well-fitted and in good health. This is the ideal time to start planning because you could still decide on how your life will go about, figure out what kind of long term care you will need, and be able to allocate your properties and resources where you want them to be designated.

 

Think about your properties and the assets that you have presently. Mind your health and age and see what will you or your family need someday and prepare for it. Mull over purchasing a long term health care for your future and see how much difference it can make.

 

Private Home Care Offers Affordable Alternative

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Home health care is preferred by majority of long-term care recipients due to the incomparable freedom and comfort. In addition, the greatest benefit that home care provides is the companionship of family members and loved ones. Home care is also the most affordable of all long-term care settings. Infolongtermcare provides few more reasons why home care is more beneficial, take a look here for practical advantages of home care

Claude Pepper Center

With the costs of long-term care rising, private homes in Florida can offer a more intimate feel while potentially saving more money than traditional options such as nursing homes or assisted living facilities.

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Photo credit: Universal Pops. Easton-Hancock House. Flickr Creative Commons.

Barbara Peters Smith. Private-home care could become more common for elders. Herald-Tribune. Jan 23, 2014:

“And this informal business model could prove popular in the next decade for baby boomers retiring to Florida with experience in geriatric care — and perhaps not enough money to afford the kind of home they’d like to own.

As with the burgeoning home health care industry, the entry of more providers into this field — particularly without oversight — expands the potential for abuse.

“It’s pretty much part of the landscape, and it’s going to be growing,” says Larry Polivka, director of the Claude Pepper Center for aging studies at…

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Families providing care

When it comes to caregiving, it is always our first choice to rely on family members to provide care for us. Whenever the need for long-term care arises, infolongtermcare.org notes that American families prefer family and home caregiver rather than sending loved ones to long-term care facilities. According to Department of Health and Human Services, there are more than 65.7 million Americans providing care for an aging, ill or disables loved ones. Most of those involved are adult children who feel the need to give back to their parents who raised them, and one of things they can do to show their love is to show their sincere concern by personally providing the care they needed.

Daniel G. Alcorn (518) 346-2115

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39% of U.S. adults care for someone with significant health issues, up from 30% in 2010.

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How to Care for the Elderly with Dementia

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Are you looking for tips on how to care for the elderly love one with dementia? Dementia is not a specific disease, but a non-specific syndrome. It is characterized by a decline of mental abilities like thinking, reasoning and memory. It usually occurs in the elderly. However, dementia can also occur before the person reaches the age of 65, in this case, it is termed as “early onset dementia”.

 

This syndrome affects the elderly in so many ways that it is often difficult to ascertain specific ways to care for them. They can be forgetful, sad and sometimes violent. It is important that you find ways to make them feel loved and comfortable as possible. Here are effective tips on taking care of an elderly with dementia:

 

Keep Tasks And Activities As Short As Possible
Since dementia affects the person’s thinking and reasoning, avoid information overload. Forgetfulness is a common problem in dementia and if a task or activity is not done, it can easily become a root of frustration. You can give simple, but clear instructions one at a time like take a shower.

 

Help with Personal Care
A person with dementia can easily get frustrated with simple everyday tasks like putting on a shirt or socks. If possible, allow your loved one to continue as much personal care as he can while you stay close by. You can help with dressing by giving clothes to your loved one in the order in which they need to be put on. You can verbally encourage him or give simple instructions like “here is your shirt”, or “Here is your other sock”.

Prepare Healthy and Nutritious Meals


Dementia can affect a person’s perception to food and eating. If you are in charge to care for the elderly with Dementia, make sure that you prepare food that are appetizing and healthy. Include plenty of fruits and vegetables because these foods can provide the person enough energy to last for the day.

 

Avoid Situations that Can Increase Aggravation

 

When caring for someone with dementia, know the activities that can trigger his agitation. Steer away from these situations and circumstances because agitation can bring about dementia symptoms. If you notice that he easily becomes agitated in populated areas, avoid taking him there. Instead take him someplace quieter where he can relax.

 

Hazard-Proof Your Home

 

When your loved one is dealing with dementia, make sure that the home environment is not cluttered. This will eliminate tripping hazards and distractions, which may add to the person’s confusion. Also, keep away razors and harmful medications. Since memory and forgetfulness is an issue, you can apply special devices to be used on faucets to control water temperature. This will help prevent burns.

 

To care for the elderly with dementia is not easy. Your loved one may struggle to perform familiar tasks and remember recent events. It can also progressively get worse as memory deteriorates. In the advanced stages, round-the-clock care is usually required. Planning ahead for these possibilities can help make decisions easier. Knowing your options for long term care can help you make an informed decision.

 

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Get Back To Normal By Creating Choice In Your Dining Program

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“Health is wealth”, an old saying that has been proven true and correct for so many times. More often than not, families and loved ones of long term care dependents focused on caregiving and physical fitness of the care recipients, they usually see to it that the care recipients received proper care, treatment and just check if these recipients get to workout and eat three times a day. But we tend to ignore if the foods prepared satisfy not only their nutrition but also their satisfaction and even craving. Doctors and caregivers alike focused on giving long term care recipients fruits and vegetables which is beneficial to help prevent disease and keep them fit. It would be nicer if we can serve them delectable dishes which is both healthy and delicious. Learn how you can prepare delectable recipes for your loved ones who are dependents of long term care:

 

Action Pact Blog

Eating is normal. We all do it everyday. We decide what we want to eat, even down to the moment it goes on our plates. As adults, we eat what we want, when we want to eat it, even if it’s at 3 in the morning.

But in many elder care organizations, that is just not an option. Food is available three times a day, and in many homes, residents choose what they would like to eat three weeks before the food makes it to their plate.

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Elder Care Insurance: Is it Really That a Priority?

If you’re parents are within the ages of 59 to 61, there is a big possibility that they are still in control with their lives. However, when they move past that age range, that’s where they develop conditions and chronic illnesses. This is the stage that makes them dependent on you or other people for their LTC care needs. Is elder care insurance really a priority in the present? It is and is becoming a great concern for our country’s aging population. As the number of our country’s elderly increases, there is a need to improve the system of insuring and caring for the elder.

 

Cost of caring for the elder constantly increases – The cost of caring for the elderly increase as time passes. It is expected by the year 2030, the costs of long term care services would have increased four times. If this does happen, majority of elderly Americans would have to face the challenge of finding the resources to cover the costs of their LTC needs. They could opt to either self-insure if they have at least $5 million in savings. Another option is to apply for Medicare or Medicaid for limited long term care coverage.

 

Start early to avoid expensive premiums – When it comes to elder care insurance, it’s always beneficial if your plan ahead. This means that you don’t have to sign up for LTC insurance coverage while you are young (though it would be a good way to start). You plan out first the things that you would need as you age. Nursing home facility vs. living in your own home. Home health aide vs. daily custodial care. There are some of the things that you would need to keep in mind as you start planning and eventually enrolling yourself with long term care insurance and coverage.

 

Understanding everything before you sign the policyOnce you have stepped up with your LTC planning, it’s now time for your go enroll yourself for LTCI coverage. But just before you sign your name along the dotted line; it would be a good practice to review the policy that you are getting for yourself. You have to be aware of the premiums that you have to pay, the daily benefits you are entitled to, the services that are covered or excluded in the plan etc. When you know and understand even the fine print in your policy, growing old wouldn’t be such a bad idea.

 

Elder care insurance is becoming more of a necessity than a luxury for most elderly Americans. As the number of elderly Americans increase, the need for long term care coverage should be treated with grave importance. As the costs of caring for the elderly increases, learn and start early with long term care planning. Once you have outlined your LTC needs and just before you sign the policy, make sure that you know and fully understand even the coverage, benefits and even the fine print in your LTCI policy.

References:

http://blogs.marketwatch.com/encore/2013/07/01/paying-for-elder-care-with-life-insurance/

http://www.infolongtermcare.org/long-term-health-care-seniors/

http://seniorhealth.about.com/library/eldercare/bl_apact5.htm

http://www.bostonglobe.com/business/2013/06/11/beware-fine-print-and-red-tape-long-term-care-insurance-policies/hCDUORONy9BXbriyX2p28I/story.html

http://www.nytimes.com/2013/03/26/your-money/expense-and-emotions-affect-decisions-about-long-term-care.html?pagewanted=all&_r=0

http://money.msn.com/health-and-life-insurance/3-kinds-of-long-term-care-coverage

 

Alzheimer’s and Long Term Care…

Coping With Alzheimer’s Disease

Photo credit: infolongtermcare.org

Photo credit: infolongtermcare.org

 

What is Alzheimer ’s disease? Alzheimer’s disease is a progressive and degenerative disease. Primarily, it destroys the brain cells. Unlike most cells in the body, the brain cells cannot reproduce. Once the neurons or brain cells are dead, they cannot be replaced. That is the reason when a person have Alzheimer’s disease it is likely permanent.

 

Alzheimer’s Disease Statistics

According to Alzheimer’s association, the disease is the sixth leading cause of death in the United States. It is also the most common form of dementia; more than five million Americans are suffering from this condition. Many people associate aging with Alzheimer’s disease. This is partly true because aging is a risk factor for the development of Alzheimer. However, it is important to know that this condition is not a normal part of aging.

 

Causes Of Alzheimer’s Disease

Alzheimer’s disease is caused by atrophy of the brain. The structure and functionality of the brain becomes damage. The exact cause of the condition is stil not known, but people with Alzheimer’s disease have been found to have abnormal amounts of protein and fibres in the brain.

 

Who Are At Risk?

The greatest risk factor associated with this condition is age. The possibility of developing Alzheimer doubles every five years, one the person reaches the age of 65. However, it is important to know that there are cases wherein young adults develop this condition. Other risk factors for this condition are genetics, individuals with Down’s syndrome, whiplash and head injuries. Individuals with vascular disease like diabetes and high blood pressure are also at risk for developing this degenerative condition.

 

Symptoms of Alzheimer

The Mayo Clinic states that the rate at which symptoms appear and worsen varies from person to person. If you have Alzheimer’s, you may be the first to notice that you’re having abnormal difficulty remembering things and organizing your thoughts. People have occasional memory lapses. As not to be confused, it is normal for people to forget the name of a person or where they put their keys. But the memory loss associated with this condition can continue and overtime it can worsens. Most of the time, because of severe memory loss, it affects their ability to function at work and at home. Other symptoms associated with this condition are disorientation and misinterpretation of spatial relationships. It also affects skills like speaking and writing.

 

Alzheimer And Long Term Care

 

Since Alzheimer patients lose their ability to perform normal function, they need help in order to survive. Even the simplest activities like talking or walking becomes a struggle.  As the condition progression, people with Alzheimer would greatly benefit from long term care as they need someone who will assist them on their everyday functions like bathing, dressing and eating.
Across the country, there are many long term care settings and Alzheimer’s care facility available. They provide support with personal care and daily activities, such as housekeeping and meal preparation. They also offer services that help people with Alzheimer cope with their condition and stay as independent as possible.

 

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Elder Care Law – What is It All About?

As sure as the sun rises and sets, we will get old someday. As part of the elderly population one should be informed of what can happen when it comes to elder care law or long term care law for the senior citizens. It is not only the senior citizens who should know about it but also the other members of the family. The reason for learning about elder care law is to make sure one is aware of the rights of the elderly when it comes to being cared for due to medical reasons and disability. The main goal of the elder care law is to help the older generations to be able to plan for their future especially in the area of their health.

One of the aspects of elder care law is the health care directives. These are written instructions done by the senior regarding their health situations and what they want done. This would include mostly documents that pertain to their medical decisions as well as living will and do-not-resuscitate instruction.

When an adult reaches a certain age, they would more or less need to have long term care. So this means that at this stage they should have private long term care insurance. However, there are persons who may not have been able to afford it so they will also need the help of the government. Fortunately, there is the Medicaid that is funded by the government that can partially help a senior citizen pay for their long term care.

The Medicaid requirements can be complicated and it may take a while for a person to understand the process. So it would be advantageous for a person to start looking into it as well and be prepared with all the requirements needed to avail of this service from the government. One also has to remember that the services given may not be as extensive when compared to having a long term care insurance plan of your own. But it might be helpful in some aspects so it would be good to learn about it.

Other pertinent documents that are included in the Elder Care Law is providing living trust and power of attorney. These are documents that can play a vital role especially if the elderly person may not be capable in making direct decisions. These documents can be drafted by a trusted lawyer based on the instruction of the elderly person.

The elder care law helps protect the elderly especially when it comes to providing health care for them. This law also provides specific directions on what to do when it comes to decision making in terms of medical or health issues as well as non-medical situations. This elder care law is established to make sure that the individual is properly cared for and will not be neglected especially during the twilight years. If you have loved ones that are senior citizens it is best to get the right information about the elder care laws. This can also help you when you become older as well.

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3 Stress Reducing Tips for Caregivers

Whether you are a licensed caregiver or a family one, you would have to admit that this job is very stressful. The job includes many tasks that are physically tiring and can mentally wear you out. That’s why many caregivers feel totally drained all the time. They forget to set aside some time for them to socialize and do the things they like to do. In the long run, this can be a very bad situation to be in. However, if you are feeling stress with your caregiving responsibilities, here are some tips to keep in mind to keep negative tensions at bay.

 

Outline what you can and cannot do.

 

One of the common errors that caregivers make is having the idea that they can everything in their caregiving tasks. This is one of the reasons that develop their mental distress in their work. In order to manage and reduce stress, you have to realize and make a list of the tasks that you can and cannot do. In a family caregiving situation, you can include and involve other member of the family in taking care of an elderly patient. Remember that you don’t have to do all the tasks if you are not up to it.

 

Educate yourself about the task and condition.

 

Caregivers also need to keep in mind that they have to grow in their chosen field. It takes more than just assisting a long term care recipient with their daily activities; you would also need to know the latest trends in this profession. By being aware of the current trends, it would help you to become better in your career. Another thing to keep in mind is also to research on your patient’s condition. This would also help in giving the care that they would need especially if they need long term services and support.

 

Learn to acknowledge and express what you are feeling.

 

Caregivers are also not free from thinking negative thoughts. Why not, they are also human after all. For family caregivers, some of the common negative emotions they feel are depression, guilt and anxiety. It always best to learn to acknowledge these feelings and express them. Some use a journal while others form a support group. It would really depend on how you would like to deal with emotions. It’s always best to acknowledge and express them so that they do not get in the way of your caregiving tasks.

 

It’s an understatement to say that caregiving is a stressful work. With the physical and mental demands of the job, caregivers are one of the most stressed out workers in the job market. However, caregivers can reduce stress by setting boundaries of the task they can and cannot do. They would also need to educate themselves with the latest trends in caregiving and the condition of the patients that they are looking after.

 

Another way that a caregiver can reduce stress is learn to acknowledge and express what they are feeling. Negative emotions are prevalent in this type of work and caregiver whether professional or family should learn to express these feelings.

 

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Preparation for future long term care (LTC) cost.

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Seniors suffering from chronic illness are usually in a lot of pain- emotionally and physically … If we have carefully planned for retirement, it is essential to include having long term care (LTC) insurance in it. As we age, we ceased from working, because we want to spend our golden years sitting back, relaxing and enjoying the fruits of our labor. But when we retire and stop working, we also stop earning..however, we do not stop spending, so we must be able to save money for our daily expenses. Aging is oftentimes associated with health issues, have you also prepared for future medical and long term care expenses? Self – insuring usually drains all your asset, would you want to spend your life’s saving paying for care out of pocket? When you have ltc insurance, you get quality care where and when you need it. Relying on medicaid will help you pay for ltc expenses but you don’t get to choose your caregiver nor your facility. So if you are looking forward to aging gracefully without being a burden to family members, it’s time for long term care planning. Asses your health, your current living situation and your finances, so you can tailor a policy that fits your needs and preference.

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