As parents age, their correspondingly aging children frequently take on more of a caretaker role – whether literally becoming the full-time caregiver, or merely giving more attention to their aging parents.
And recently, due to global circumstances, you – like a lot of adult children – may be in even closer contact with your aging parent than before. You may be checking in with your parents more frequently to monitor their health and wellbeing: more phone calls, more video chats, and maybe even more face-to-face interactions.
Because of this, you may be more honed into your parent’s or parents’ way of life than you were prior – and maybe it doesn’t look quite like you had thought. Perhaps their home is in greater disarray; perhaps they’re moving more slowly than before, or perhaps they’re having a harder time taking care of themselves than you realized.
Additionally, many individuals have been running more errands for their aging parents – such as pharmacy pickups, meal delivery, or grocery shopping – in an effort to keep them at home as much as possible.
This also offers insight into a parent’s life: perhaps their medication list is heavier than in the past; perhaps their eating habits or grocery requests aren’t as nutritious as they should be (or once were).
Is assisted living the right path?
Overall, you may be learning a lot more about the lifestyle and living situation of your parent or parents – and it may be clear that they need more help than you can give them.
Assisted living may be the best solution!
These communities offer residents that touch of extra day-to-day help that they need: from bathing to grooming to medication management. Additionally, medical care is available and provided as needed, and all meals are supplied.
These communities also feature many social benefits – with things like group activities and common spaces – helping to eliminate isolation among seniors. And, even though staff members are available to help at all hours of the day, communities are set up to allow residents the freedom to live as independently as possible.
In general, these communities cover the concerns individuals have about their aging loved ones: clean living spaces, nutritious meals, and consistent support. With so much hands-on assistance and daily needs met, assisted living offers both residents and family members a stable peace of mind.
Do you still have questions or concerns about assisted living? ElderCare Connections provides personalized care plans for seniors, using their vast supply of expertise and resources, to make the journey of aging as smooth as possible. Visit us at Eldercareconnections.org for more information on assisted living, independent living, home care, and more!
One of the first questions people usually have about assisted living cost and how they will pay for it. With the range of monthly costs being $2,000 to $4,000, this question and concern is understandable. The following are some of the ways that people pay for their assisted living housing and communities.
Using Savings to Pay the Cost of Assisted Living
Assisted living cost includes both rent and services. If the person has sufficient savings built up, they are able to use it to pay for this. Of course, this will require quite a bit of money saved to cover this type of housing for long term care.
Some people have long-term care insurance, which is specifically designed to cover assisted living cost. The only problem is that this type of insurance isn’t common, so not many people have it.
And of course, by the time someone needs this type of insurance, it’s often too late to get it. The best time to purchase a long-term care insurance policy is during middle age years.
If someone has been paying on their home for a number of years, he or she probably has a good amount of equity available. Taking out this equity can help pay for the expenses. However, this can be a challenging solution. Since selling one’s home can be quite emotional, most people do not like this option. And creating an equity loan against ones home can feel like your going backwards financially after years of paying off a home mortgage.
Renting Your Home
When selling your house is too stressful, consider renting it out to someone. If you’re able to rent it for more than the mortgage or if your house is paid off, you may be able to bring in enough money to pay for the rent in the community.
Asking Family Members
Those who have a large family may have their loved ones cover the assisted living cost. When the cost is broken up between many people, it’s much more manageable. This is especially true if combined with some of the other options, such as retirement, savings, etc.
Seeking Lower Assisted Living Costs
Since these communities can range in prices depending on where they are located, it might be a good idea to shop around to look for a less expensive option. Once that option is found, the person can use their savings, support from their loved ones, or some other way to pay for it.
Assisted living cost may be covered by Medicaid in some states. Since Medicaid is only available to people who have little to no assets, it’s important to find out if you qualify before seeking this type of housing option.
Turn to ElderCare Connections for your Cost Options for Assisted Living
ElderCare Connections offers older individuals options for elder care services and housing. Contact us today for more information on different assisted living communities in your area. We are a free referral service, and our specialists truly care about your wants and needs when they help you find your new home.
Your loved one is getting older, and he’s not the same as he was last year. You’re concerned for his safety and well being. As much as you want to take on the care responsibilities he needs now in life, it’s just not feasible. You know that assisted living care is what he needs, but how do you get other family members including your older loved ones to agree?
Let Them Know About Assisted Living Care
Most people do not know what assisted living care truly means. They may have thoughts about it, but those thoughts are not accurate. If they truly understood it they may be more open to the idea.
Explain to your family members that assisted living is a service, which provides individualized assistance to people. This means that people only receive the help they need.
When an assessment determines the need, then the “care service” will start. As the person grows older and needs additional support, the service will expand to include it.
Assisted living care is the most basic form of assistance for older individuals. People still live independently, but they have someone who is available to tend to their needs so they can continue to live safely. And as needed will have access to good health care.
Tackling the Money Issue
Besides not knowing what it is, most people disregard the service because of the expense. It does cost money to have someone care for an older individual, but this money is used in a way that saves others a lot of time, energy, and well-being.
Care giving is a challenging work. And it’s work that doesn’t pay when you’re doing it for a loved one. The work can be physically, mentally, and emotionally exhaustive. And with time, this can be highly detrimental to a person’s physical and emotion well being, which could end up costing more money than the cost of assisted living care. The stress of caring for an older loved one can lead to illnesses that need to be treated by a doctor, so then you are incurring extra medical bills. If the illnesses are bad enough, the caretaker must take time off work. Sometimes, caretakers try to cope with the stress of caring for someone by eating more, drinking more alcohol, or smoking more cigarettes, which then increases spending while negatively effecting a person’s health.
The money spent on assisted living is well worth it in the short term and long term. Family members who do not understand often do not know the perils of care giving and should take time to help to understand or read our blog to know what it truly takes to care for someone.
Explaining all of this to your family members as well as older loved ones can help put the expense in perspective.
Reach Out for Additional Help for Assisted Living Care
Eldercare Connections can help you with the process of getting your family comfortable with the idea of assisted living and the care you need. We can provide additional information that will make sense to your family, and possibly open their eyes and minds to the great need for these services. Please reach out to us now by calling 513-685-8998 or contact us.