Many people are now finding themselves placed in a new role of caregiver for an aging parent or loved one. Naturally, you want to provide the very best living environment for your aging parent, but there may come a time when you just can’t do it alone. If you want to make sure your parent can continue safely living at home, in home care may be the perfect answer for your family, prior to moving to an assisted living facility or a nursing home. So, how do you find the right professional in-home care for your aging loved one? When…
“When you buy a car or a house, you expect to haggle for the best price. It turns out that you can do the same thing when you shop for long-term care.” There are some things you just don’t haggle about but, perhaps contrary to what you would guess, it turns out that long-term care isn’t one of those things. Long-term care is expensive, to say the least, but as explained in a recent article in SmartMoney, there are some expenses that may be negotiable. Nursing homes usually will not negotiate fees, but you may be able to negotiate with…
Discussing the subject requires patience and tact. However, you may consider the following approaches with your parents to achieve greater success for hiring a caregiver rather than having them move to an assisted living facility or nursing home: they can remain at home; in-home care is often less costly; they will be given one-on-one attention when their caregiver is there; they can maintain their independence in their own home; accept the care for the sake of their spouse, even if in reality, it is equally beneficial for them both; explain to your parent how much you worry about them. According…
Caring for elderly parents can become a family affair. Oftentimes family members question whether parents can “legally” pay for the help they receive from relatives. The short answer is yes, but you’ll need to make sure you follow some important guidelines. OurParents.com recently published an article for handy reference; here are their points on how an elder can pay a relative for care services at home. Gifts. Yes, parents can make gifts to a relative out of appreciation for care and assistance. But be careful. If your parent eventually needs Medicaid to help pay for long-term nursing care, any gifts…
According to a recent article in The Wall Street Journal (The Latest Long-Term Care Snafu), however, some families are encountering claims-denials that can prevent or delay the collection of benefits. If you have purchased a long-term care insurance policy, there are steps you can take to help avoid this problem. Most importantly, be sure to re-read your policy’s fine print before hiring a caregiver or entering a facility. We have found, it may make sense for you to hire, Senior Life Care Planning, to help in preparing and advocating for your claims. Be particularly vigilant if the policy was purchased…
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