Home Care Planning at the Holidays
Monday, December 31st, 2007Author
Thomas Wiest
CEO, Aspirience Home Care
When visiting mom or dad at holiday time, be ovservant to their lifestyle and surroundings. Adult children who are home for the holidays might notice that mom’s house isn’t quite as tidy as it once was, or that dad got lost on the way home from a last minute trip to the corner store.
After a lifetime of independence, it may become clear that mom or dad cannot live alone anymore. But while it can be difficult for adult children to admit that an aging parent or loved one needs more help, it can be even more of a challenge to put the needed care in place.
For those who live at a great distance, a holiday visit can be an eye opening experience. A recent survey that I read, out of the state of Connecticut, found that 80 percent of respondants said they would like to continue living in their homes with home care services once they are too frail to do everything on their own.
The survey also found that almost half of state residents over age 60 are ill informed about paying for long term care and also don’t realize, that without the help of a home care agency, worker shortages can make care difficult to find even for those who can pay.
Replying to the commission’s mailed questionnaires, 46 percent of older people said they believed that Medicare, the government-paid health insurance for the elderly, would cover their home care, and a quarter of baby boomers said they planned to rely on Medicaid, the government health insurance for the poor, to pay for their post retirement care at home.
In fact, Medicare pays virtually nothing for home care, and Medicaid covers the cost of nursing home care mainly for people who are destitute. There is little government money for home care. At the same time, almost 40 percent of state residents who believe they will someday need long term care said they will have no money to pay for it.
Home care in not inexpensive either but, home care is still by far cheaper than a stay in a nursing home, which can run $8,000 plus a month.
We need to start planning today, for retirement and home care tomorrow.
It’s important to know, Aspirience Home Care can help you with your home care needs.