How Do Families Pay for Home Care and Other Long-Term Care Services?

on 11/25/2014 - 02:35 am

Home care is often the most affordable form of elder care. The No. 1 objective of most families is to help their loved ones stay in their own home in a safe and familiar environment for as long as possible. No one’s first choice is to go to a facility or an institution no matter how pretty the building or the décor. For a senior to stay in their own home safely they may need just a few hours of assistance or they may need 24/7 care.

Don’t assume or guess that home care is too expensive

The only way you can find out if you can afford home care is to have a trained care specialist evaluate the specific personal care needs of your loved ones and develop a care plan to fit those needs. They also can evaluate how many hours are really needed given the medical conditions, as well as the availability of friends and family to participate. Home care provided by a home care agency with thoroughly screened, experienced and monitored caregivers can be a life-saving and rewarding option.

Companion and personal in-home care services to consider:

Personal Care

• Bathing, Skin care, Dressing, Hair Care, Mouth Care, Shaving, Nail Care, Ambulation, Transfers, Positioning, Toileting, Incontinence Care, Medication Reminders

Nutrition

• Meal Planning, Food Shopping, Meal Preparations, Assistance with eating, Feeding, Monitoring Food Intake

Transportation

• Errands, Shopping, Appointments

Light Housekeeping

• Dusting, Vacuuming, Sweeping/Mopping, Laundry/Ironing, Bed Linens/Bed Making, Care for Pets, Water Plants, Trash Removal

Talk to a home care expert

By talking with a Home Care expert, they will make sure you understand the services you need, how often, and for how many hours per day. We will help you develop a budget and share with you the ways families have been able to pull their resources together to provide this care to their loved ones. The following are examples of resources which may be used to pay for in home care: • Long-term care insurance • Retirement funds • Veterans Aid and Attendance benefits • Current life insurance value – life settlements • Medicaid programs

How much will it cost your family?

The best way to know exactly how much home care services will cost is to talk to one of our professionals. Together you can come up with a plan of care and a number of hours that are not only affordable, but keeps your aging loved one safe and in their own home. Ask about options like The VA Aid and Attendance Pension Benefit, life settlements, and long-term care insurance. Chances are that one of those programs may be able to help with the cost.

How soon can home care services start?

The start date is up to you, but our team is dedicated to getting a caregiver in your home as soon as you need them. It is best to be proactive. Call today to speak to one of our staff members so you will have all the information you need when the time comes and you are ready to start services.