|Elder Care Zone - Caring for the Elderly
(Add to Favorites | View All Articles | Resource Directory)
Dealing with placing your loved one in a nursing home
Strategies on Paying for Nursing Home Care and Medicaid
The decision to place your loved one into a nursing home is an extremely difficult decision, often causing much guilt for the caregiver. It is a very emotional decision for most clients we see and most are under a certain amount of stress, often great, when facing what they consider to be a drastic course of action.
I counsel our caregiver clients to get beyond the guilt as quickly as they can, because the situation their loved one is in is not the caregiver's fault. And besides, the longer you remain under this stress, the less healthy you eat, or you eat way too much, the less you sleep, and some start drinking (my own mother started this late at night after she got my dad settled in bed for the evening - not healthy to say the least).
The stress of caring for a loved one is constant and unrelenting. It is a physical, mental and emotional grind. On numerous occasions, we have actually had caregiver clients die before the spouse in the nursing home. Sometimes, the caregivers die shortly after the nursing home spouse dies. The stress of being a caregiver can be deadly serious, especially for older clients who are caregivers for their spouse.
You have to recognize it and develop a plan to deal with it.
Get your children involved in developing a plan to deal with your loved one's incapacity. And remember, plan for the absolute worst case scenario. Get to an attorney who can help you develop a plan to help you with your particular situation. And this is especially important as soon as you detect any signs of dementia in your parent or spouse, or as soon as you begin to detect physical problems with your loved one. The sooner you begin the plan, the better off the family will be.
NOW, HOW DO WE PAY FOR MAMA'S NURSING HOME CARE? There are really only three ways to pay for a stay in a nursing home.
LONG TERM CARE INSURANCE (LTCI). If Mama was far-sighted enough, she may have purchased LTCI in the past before she needed it. This would be an excellent source of funds to help defray some or all of Mama's long term care costs. Unfortunately, very few seniors, those over age 60, have LTCI coverage.
SELF PAY. This essentially means that Mama has enough income or financial assets to pay her own way in the nursing home. However, many families don't have the income or the financial asset base to be able to pay $4,000 to $7,500 or more a month for a bed for very long in a nursing home.
MEDICAID. This is a state-administered medical benefit program which will pay for the cost of a nursing home stay if three tests are met, i.e., medical need, asset, and income. Medicaid is obviously a needs-based program, funded partially by state funds, but mostly by federal funds. Many people are under the mistaken impression that MEDICARE, which most seniors in this country over age sixty-five participate in to one degree or another, will cover the cost of their stay in a nursing home.
(c) Copyright 2005 P.L.Fields LLC
P.L. Fields is a Medicaid Expert and President of Senior Strategies, a service that helps seniors save time and money. To learn more about the secret strategies and solutions that Medicaid lawyers charge to get clients qualified for Medicaid, while protecting their assets, visit: http://www.medicaidsecrets.info
2 sec ago
7 min 31 sec ago
Nurses caught sleeping with alarms turned off at elderly care home - Telegraph.co.uk
Elderly care home opposed by neighbors - Rome News Tribune
Awful State Of China's Elderly Care: 77-Year-Old Chinese Man Abandoned By ... - International Business Times
Weekend in review: Color Vibe 5K, Mike Miller and elderly care - Sioux Falls Argus Leader
3 min 21 sec ago
Elderly care still heading for 'disaster and tragedy' warns Joan Bakewell - Telegraph.co.uk
Stair Lifts for curved staircases
There are two types of stairlift. Straight and curved.
Breakthrough in Alzheimers Research
There is now widespread agreement among research scientists and medical professionals that Alzheimer's Disease (AD) is a problem quickly growing to vast proportions. As the life expectancy of Americans continues to rise, increasing the percentage of the population over 65 years of age, so does the number of Alzheimer's cases.
Diet may diminish the influence of Alzheimers
Argh! Where are my glasses? I put them down . .
While standing in line for a prescription...
I finally went to the doctor this morning for my bad cold. My appointment was for 9:30 am and yet I didn't get home until after 1:00 pm.
Assisted Living - Combatting Patient Loneliness
Q: Six months ago we placed my mother in an assisted living facility. She gets along fairly well, but we thought she would get involved with all of the activities.
The King's Box of Trinkets
The King had a modest kingdom. He was Danish.
Stair Lifts - Give your freedom a boost!
Using stairs is an everyday nightmare for many people. As we grow older the stairs in our home can become more of a struggle due to mobility problems associated with old age, an accident or illness.
Cherish the moments you have - now
It was right about this time, 19 years ago. My wife and I were sitting in the very last Lamaze birthing class, soon to be brand new parents.
A look at Board and Care Homes
Board and Care homes (also known as RCFE's - Residential Care Facilities for the Elderly) are residential private homes that have been licensed by the Department of Social Services to provide services to seniors. Most accept no more than six residents, but offer a cozy, home-like setting for frail seniors.
Be prepared for the unexpected
Several months ago, I was coming out of a gas station when a woman stopped me and asked me what I did for a living. On the back of our van is our web address.
Financial Help for seniors with respiratory problems
As HMOs Continue to Drop Coverage for Seniors - Now Over 500,000 Victims - Those Needing Expensive Respiratory Medication, Support and Homecare Services are the Hardest HitOne Patient Advocate, Geriatric Services of America, is Providing Relief to Victimized Patients Through a Unique, Often No-Cost ProgramMore than 536,000 US senior citizens are scrambling to find new doctors or new coverage because their health plans terminated their Medicare managed-care services, according to a Nonrenewal Report issued by the Centers for Medicare & Medicaid Services for the year 2002. Among the hardest hit are seniors in California (84,000), Florida (59,000), Pennsylvania (55,000), New Jersey (53,000), Texas (46,000), and Michigan (31,000), who will be losing coverage in the coming year.
Care Givers - How to avoid burnout
Just for a moment I want you to imagine that you are coming out of a very deep sleep. If you have ever had surgery try to remember the way you felt as you were trying to make sense of things as you awoke.
How to spot a good assisted living facility
It is easy to be fooled by fancy drapery or expensive furniture that may decorate a care facility. Even though a facility looks high class doesn't always mean the care provided is first class.
Tennessee DHS Abuse of Seniors - The rest of the story
PART I: Physical Abuse of the Elderly vs. Tennessee DHS Abuse of FamiliesDuring the week of October 26, 2003, newspapers across the state of Tennessee published an Associated Press story that featured the glaring news headline, "Reports of neglect and abuse of senior citizens up 40% in six years.
Do some research before buying any Stair Lift
There is no doubt that having a stair lift in your home can dramatically improve your quality of life. If you are starting to find that climbing the stairs is becoming a hazardous experience, or just hard work, then a stair lift could be the answer.
The Golden Years
1) What does Adrian Mitchell say we do to people when their working lives are over?Adrian says that "when a man's too ill to work we punish him", rob him of half his income or replace it with "pocket money" and or place him in a retirement home to sit out the remainder of his live in isolation.2) What does he think about this?Adrian thinks that "the old people are being robbed" and says "to hell with retiring" he believes that the way that deal with old people (to have your ability to sport yourself removed and then being given "pocket money").
Scaling Down (almost) Painlessly
Moving to a smaller house or apartment in a retirement community almost always involves a certain degree of trauma, both for the elder who's moving and for family members. However, by planning ahead you can reduce the discomfort involved and turn what might well become a nightmare into a pleasant event.
Adding sparkle to an Alzheimers patient's life
Severe degradation of short-term memory means that my father, an Alzheimer's elder, is seldom interested in movies or books. And, although music used to be a source of enjoyment, he no longer listens with pleasure.
Prevent potentially serious injury
Every year we hear stories of seniors falling, ending up in hospitals and never fully recovering. Unfortunately, these falls often result in death.
How far does a child's responsibility to care for their parents go?
It happens somewhat slowly in the beginning, maybe with a small cough that gets worse as time goes on. It might simply begin with absent mindedness which is totally out of character, followed by total memory lapses.
|Home | Site Map | Privacy Statement | More Articles|