As it turns out, Sophia, Blanche, Dorothy and Rose were ahead of their time! Yes, those Golden Girls of the 1980s were on to something that has become a growing trend of aging baby boomers. When the four savvy women decided to move in together and build a sort of ad-hoc “family,” they were simply doing (more than three decades ago) what an increasing number of seniors are doing, or considering doing, today. Sociologists and popular social critics alike have been discussing the erosion of the nuclear family for years but here is a new twist: what is to become…
When a medical issue strikes you or your family, the world starts spinning a bit faster and begins to bear down hard. Even the best of us can’t always keep our heads above the rising tide of bureaucracy, legal snares, and other issues that can arise in the event of a medical-billings problem or an insurance coverage denial. A private health care advocate might be an option worth exploring, according to a recent article in the Wall Street Journal’s MarketWatch. An advocate cannot offer medical advice or address legal issues (like malpractice lawsuits) but they can help resolve medical…
Your mother has tithed (gifted) to her religious organization in the amount of $50 per week for years. Additionally, she has given her 10 grandchildren $20 every Christmas and on each of their birthdays. Thus, she has made charitable and small family gifts totaling $15,000 throughout the course of the last five years. Your mother has savings of less than $2,000 and now requires nursing home care. Therefore, your mother will qualify for Medicaid benefits to help pay for her care. However, she will not qualify for benefits because all gifts, even small ones, even charitable gifts, made within the…
In 2009, your father was 80 years old and in reasonably good health. He gave $20,400 to his grandson to pay for college in 2009. However, last month he has a stroke. As a result of the stroke, he is totally incapacitated and in need of nursing home care. However, he is not yet in a nursing home, but his total assets are $2,000. During this month, you inquire about his placement at a nursing home. The nursing home questions you about your father’s finances and any past transfers, and you report the $20,400 gift made for his grandson’s education….
A past New York Times article on how care coordinators can help adult children face a challenge which often seems overwhelming, both emotionally and mentally, and is always stressful: the job of caring for an elderly parent. The Times article described the caring challenge as follows: There are diagnoses to decipher, housing issues to consider, health aides to vet and a raft of legal documents to complete. It can seem overwhelming, even when families are in complete agreement on how to care for an elderly relative. And often they are not. But a care coordinator can buy you time and…
Senior Life Care Planning’s Elder Care Coordinators are specialists who help family members find the right sources and services for their aging parents. Additionally, they provide care coordination and advocacy, be it home care, assisted living or nursing home facilities. We help family member’s cope with their burden. Let’s look at a hypothetical example to see how valuable Senior Life Care Planning’s care coordinators can be. Wife is providing extensive care for her housebound husband. Wife has difficulty getting her husband out of bed, bathed and dressed. Additionally, Wife relies on her son who lives nearby to help her manage…
Growing numbers of aging parents are compensating their caregiving family members. However, it is important to disclose such caregiving agreements to the entire family, to avoid potential disgruntled and unhappy siblings, and the threat of a lawsuit. According to a report by the National Alliance for Caregiving and AARP, 43.5 million Americans looked after a friend or relative age 50 or older in 2009, 28% more than in 2004. "Obviously with the economy, we have seen many seniors retain their adult children rather than pay a home care agency or another person for their care,” states David Wingate of Senior…
At Senior Life Care Planning we receive telephone calls from the children of aging parents stating that their parents need and must move to an assisted living facility; what is the best assisted living facility in the area and how much does it cost? However, before the parents are “shipped off” to the facility, what are your parent’s needs and requirements; is it time for your parents to move; can they stay at home, with or without care; and are they willing to move? What is really behind the call? Caregiver burnout, frustration, communication issues or not knowing where else…
Most assisted living residents pay from their own funds, some with long term care insurance, and some veteran’s benefits or with help from family. Annual cost increases typically come in two forms: increases to cover rising expenses, or an upgrade to the next tier of care i.e. additional help with bathing, eating, medication management or dressing. A MetLife Mature Market Institute study reported that assisted-living costs climbed 5.2 percent from 2009 to 2010, to a national monthly average of $3,293, outpacing both inflation and the interest earned on savings and bonds. Also, with Social Security not increasing in 2011, this…
Frequent falls Unexplained bruises Unexplained weight loss Medication mistakes – forgetting to take, overdosing, abusing Behavior issues Getting lost while driving or walking Social isolation Financial management – not paying bills, making gifts to strangers Nutrition – nothing in the refrigerator or cupboards etc. Unsafe driving Confusion and forgetfulness Balance or mobility problems Refusing to see the doctor or follow advice One spouse overwhelmed or in poor health caring for the other spouse
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