Tuesday, March 11, 2014

Cost of Caring for Parents

There are obvious as well as hidden costs
when caring for aging parents.
Trish responded as most of us would when she realized her aging parents needed help.  Her mother was diagnosed with cancer and her father just wasn't up to the task of caring for his ailing wife during her recovery.  Being a single woman without children, Trish left her career and closed up her house and returned to her childhood home to care for them.  What was to be a temporary stay turned permanent when her mother passed away quite unexpectedly and Trish was faced with the long term care of her aging father.  Siblings with their own busy families pitched in here and there, but the day to day tasks of caring for Dad fell squarely on Trish’s shoulders.  Trish struggled to make ends meet on her father’s limited pension but medical bills and living expenses made it difficult. She also began to worry about her own future as she had given up a profitable career to be the family Caregiver.

Adult children Step up to the Task
Trish’s experiences are not at all uncommon these days as the Baby Boomer generation enters their elder years.  In fact, over 25% of adult children over 50 are now providing personal care and financial assistance to their parents.  This percentage has tripled over the past 15 years and is expected to continue to grow. 

Family values play a large role when deciding to put personal lives on hold and become the primary Caregiver for an aging parent.  Most families, in response to a sudden need, make the decision without true consideration of the depth of commitment required or the present or future cost.  Of course providing care for a cherished loved one is not about the numbers, yet it is wise to know what to expect when taking on this responsibility.

Pull out the Calculator
Providing care for an aging parent does have a cost.  According to a 2011 study by the MetLife Institute, women who take time off work to care for a loved one, on average, lose close to $350,000 in earned income, pension and Social Security benefits.  Men statistically average less loss, but that is because they are less likely to become the primary Caregiver for their parents.  It is job that is traditionally taken on by daughters and daughter-in-laws.  In addition to lost future income, there is often the present loss of health insurance, benefits as well as opportunities for career advancement.  Moreover rejoining the workforce at a later date is sometimes much harder than expected.  All these issues add up to real financial cost for caring for aging parents.  This financial loss taken on by the adult children can often be multiplied by their parent’s cost of health care and elder care.

Most aging Americans have some financial preparations made for their retirement.  Yet the financial planning industry has traditionally focused on perfecting portfolios and building nest eggs.  Until recently there has been little talk about planning for the cost of the care years. The cost of care can totally derail a sound financial plan and then the burden of paying for later life care often falls on the adult children.  With hourly rate for certified home nursing aides ranging from $17.00 up to $30.00/hour and nursing facility costs averaging over $80,000 a year, the cost of elder care can be staggering.

Have the Conversation
The problem is that most families don’t start thinking about their parent’s care needs until there is need for actual care.  Usually that is due to a parent’s illness or a crisis situation which demands immediate attention. Aging parents and adult children generally are not proactively arranging for these long term care needs and so are caught unaware and unprepared. 

The best time to make caregiving decisions is long before they are needed.  Having open dialog with your parents and siblings about the financial situation and making advanced decisions on how to cover care costs and divide up care tasks with family members will make the entire process much easier.

Trish never regrets the time she spent caring for her parents, but now that they have passed on, she wonders how to get her own life back on track and get prepared for her own elder care years.













Kate McCarthy is Director of Operations for HomeAid Health Care which provides services for the elderly who wish to remain safe and independent at home.  HomeAid is sister company to Prairie Home Assisted Living which has served the physical, spiritual, mental and health needs of their Residents since 1999.  Together the two family owned companies provide comprehensive care for the elderly in the Fox Valley of Wisconsin.


 
Sources :
“How to Prepare to Financially Support Aging Parents” by Philip Moeller.  Retrieved from www.money.usnes.com on 3/10/14.
 "The MetLife Study of Caregiving Costs to Working Caregivers” by MetLife.  Retrieved from www.metlife.com on 3/10/14.

 

Thursday, February 13, 2014

Independent Living Solutions for Seniors

It takes a village.
When considering the many options of senior housing there is a new one on the block.  It is called the Village Movement and is a response to the Baby Boomers desire to stay at home.  Near 90% of the aging population prefers to remain in their own home for as long as possible.  Compared to downsizing to a senior apartment complex or moving to an assisted living facility, the idea of remaining at home with some assistance is quickly gaining ground.  The new Elderly of this generation don’t plan on following typical path of previous generations.  With new attitudes about how to live as a senior, this generation is creating their own way of preparing for their care years. 

Village Movement Networks
The idea is based on the concept of grouping together and sharing costs for assistance often needed by the aging population.   Elderly who live in a community join together as a nonprofit organization to gain access to services that they need.  For a yearly fee, the members have access to a network of services provided by both volunteers and paid providers.  Services range from home improvements to make their dwelling safer to transportation and meal delivery to health care services of visiting Caregivers and nurses. 

Networks of villages are springing up all over the country.  Many in urban areas have grown to be able to include social activities as well as practical services.  As village organizations grow in strength and they are able to offer help with assistance with financial and medical planning as well as understanding insurance benefits.  Some even offer reduced or sliding scale rates for lower-income members.

People who use the Village Movement see it as a form of insurance.  They join not because they need all the services at the moment but with the knowledge that they may need them in the future.  Knowing that someone can help change light bulbs up on the ceiling or drive to a doctor’s appointment or mow the lawn keeps this these seniors independent much longer.  It also provides peace of mind for family members who live far away.

There are Village Networks all over the United States.  Check out the Village-to-Village Network at http://www.vtvnetwork.org/ to learn about one near you.







Kate McCarthy is Director of Operations for HomeAid Health Care which provides services for the elderly who wish to remain safe and independent at home.  HomeAid is sister company to Prairie Home Assisted Living which has served the physical, spiritual, mental and health needs of their Residents since 1999.  Together the two family owned companies provide comprehensive care for the elderly in the Fox Valley of Wisconsin.


Sources: "Welcome to Age 50: Top Caregiving Tips" by Gary Drevitch, Retrieved from www.forbes.com/sites on 2/12/14.
                www.vtvnetwork.org
            

Tuesday, February 4, 2014

Elder Care Options - Home Health Care

Knowing your Elder Care options makes
the decision much easier for the entire family.

You visit whenever you can but lately your time together is spent doing the housework or preparing meals for the remainder of the week.  You are anxious lately and call often just to check.  Your loved ones are slowing down and some tasks of daily life are beginning to be too much to bother with on their own.  There is a stale smell in the kitchen and laundry hasn’t been done.  Papers, bills and junk mail clutter the countertops.  When you realize that the pill box for the week hasn’t been touched and you know that help is necessary.  Yet you realistically can’t be there every day.

The realization that help is needed is the first step, but then what?  You need to take the necessary measures to provide care, security and safety without offending the dignity of those you love. There are a lot of Elder Care options available to choose from.  How do you know which is right for your loved ones’ needs?  Here is some basic information about one option – Home Health Care.

What is Home Health Care?
Home Health provides care for people who require additional help with their daily activities and prefer staying in their own homes instead of being institutionalized or relying on relatives. The elderly, those recovering from hospitalization or illness, long-term disabled and new mothers, all can benefit from Home Health care. Home Health also provides respite care when the family caregiver needs time off.

Where can Care take place?
Home Health Caregivers are available to serve your loved one at their own home, in an assisted living facility, a nursing home or a long-term rehabilitation facility.  They travel to the Client and provide individualized care where ever the Client is located.

Types of Home Health Care
There are two types of Home Health care options generally available.  There is Medical Home Health Care which provides skilled nursing care, rehabilitation and hospice care.  There is also Non-Medical Home Health Care.  This type of care provides Caregivers who assist with personal cares (bathing, toileting, and dressing); housekeeping, laundry and meal preparation; shopping and companionship; transportation and medication reminders.  They also provide respite care to give the family caregiver some time off.

Cost of Home Health Care
Compared to institutionalized care, Home Health Care is an economical option. In many cases care packages can be organized according to your loved one’s individual needs. An initial assessment interview will usually be done to help determine exactly what care is necessary and that plan can be reviewed and updated as needs change. If a package plan is not necessary, then occasional care is billed out at an hourly rate.

In most cases, HomeAid services cost less than those in an assisted-living facility or an institutionalized home. With customize care scheduled for your loved one’s individual needs; you only pay for what is really necessary.  In most cases if care is less than 8 to 10 hours a day, Home Health Care is a less expensive option than Assisted Living.  Once the care needs increase to closer to full time care, then it is time to look at Assisted Living as a more economical option.

Home Health Caregivers
Caregivers working for in Home Health are usually in that field because they prefer the one-on-one relationship they enjoy with their Client and the flexibility of hours.  The Caregivers vary in qualifications depending upon if they work in Medical Home Health or Non-Medical.  Look for Caregivers who are CNA or CBRF certified for Non-Medical Home Health Care and skilled nurses, RN or LPN, for Medical Home Health Care.  Do make sure the Caregiver is carefully interviewed and screened before coming into your home. Every effort should be made to match personalities and interests between caregiver and client.

Private Duty vs. Home Health Agency
There are many reasons why choosing a Home Health Agency is better than hiring an independent caregiver to care for your loved one. The main reason is that the person providing care is the agency’s employee and their responsibility. The agency will take care of screening and training the caregivers and are responsible for them being bonded and insured. That way there is no need to be anxious about care quality or the liability of having a stranger in your home. Another major reason is the agency will take care of all taxes and Worker’s Compensation. You won’t have to deal with filing tax forms or worry about any of the legal issues involving the employment of a Caregiver.

Another advantage is that the agency will usually have a pool of caregivers who can step in at a moment’s notice if the scheduled Caregiver is sick or has an emergency.

In addition, an agency will keep a close eye on the relationship you have with your caregiver. At the initial meeting the agency will assess the care needs and make a care package plan, and then will continuously assesses how that plan is working. They will monitor their staff to make sure they are on time and diligent in providing quality care. The agency will also keep in communication with you to make sure you are pleased with the service you are paying for.

Home Health Care is definitely an option to consider when you loved ones begin to need help to stay at home. Home Health offers some great advantages. An individual always benefits emotionally and psychologically from staying at home, whenever possible. Independence is an important issue to the aging and having a Caregiver’s assistance will make remaining independent at home that much easier. In addition, choosing a customized care plan provides tremendous economic savings as you only pay for the care that is necessary. Home Health Care provides as much or little care as needed to ensure your loved one stays happily and safely at home; the place where we all prefer to be. 












Kate McCarthy is Director of Operations for HomeAid Health Care which provides services for the elderly who wish to remain safe and independent at home.  HomeAid is sister company to Prairie Home Assisted Living which has served the physical, spiritual, mental and health needs of their residents since 1999.  Together the two family owned companies provide comprehensive care for the elderly and disabled in the Fox Valley of Wisconsin.






Monday, January 27, 2014

Elder Care Options - Assisted Living

Knowing the Elder Care options makes the decision easier for the entire family.

It usually happens unexpectedly.  A fall or an illness leads to hospitalization and rehabilitation. In the midst of all the worry, concern and fear over your loved one’s health and well being, you are told that going home is not a safe option.  Pressed into finding a solution before your loved one is discharged and not even knowing where to start is a very stressful situation for the entire family. Knowing your care options can be a help.  Here is some basic information about one such option – Assisted Living facilities.

What is an Assisted Living facility?
Assisted Living Facilities are designed for individuals that need assistance with basic activities of daily living (ADL's). These activities are self-care tasks that we all learned in childhood, but become more and more difficult to perform as people go through the aging process. ADL’s include feeding, bathing, toileting, dressing and grooming, walking and transferring plus self administration of medications. 

Assisted Living, also known as Assisted Living Facilities (ALF) or Community Based Residential Facilities (CBRF's) are usually used by people who need assistance with their daily living. These people find it difficult to live on their own without relying heavily on family, friends or a home care agency.  People who use Assisted Living Facilities may require medical care in addition to receiving assistance with ADL’s, but they can still maintain some level of independence and do not yet need the level of continuous skilled nursing care as found in institutions like nursing homes.
 

Assisted Living Facilities are licensed and regulated by state guidelines. They are grouped into three classes depending upon the level of care provided. Typically “A” class signifies very little external help with ADL’s whereas “B” and “C” class progress in the amount of care that can be provided. A “C” class assisted living facility is licensed to provide all levels of care including most skilled medical care tasks, which traditionally used to be only managed through nursing homes.

It is important to understand the classification of the facility you are considering, as some facilities will accept a Resident at one level of care only to require them to move later as their care needs increase beyond their ability to provide care.

People generally choose between home care, assisted living or nursing home care depending upon the amount of independence the individual can maintain, the amount of care needed, and the cost of that care.

Who can benefit from Assisted Living and how?
There are many types of people who can benefit from residing at an Assisted Living Facility.  Assisted Living is ideal for elderly individuals, or couples, who are capable of some level of independence but require assistance with the basic activities of daily living.  They may also have some medical concerns that require supervision or continuous attention.  An ALF is also a safe place for those suffering from Alzheimer’s or Dementia related problems.  Assisted Living is an ideal living arrangement for disabled individuals as well as those recovering from hospitalization or illness and in need of medical supervision.

There are many benefits for those who choose to live in an Assisted Living facility. The most important benefit is derived from the basic concept of “assisted” living.  The philosophy of assisted living is that it promotes independence, autonomy, privacy and dignity for the residents who live there.  The concept of Assisted Living is more concerned with the approach towards care rather than the actual care received.  This concept is important to families struggling with the less appealing option of placing their loved one in a traditional nursing home or juggling their own lives with the many care needs of their loved ones.  Assisted Living facilities strive to support and maintain the current level of independence enjoyed by residents, but with additional supervision and assistance when necessary.

One important benefit gained for residents and families alike is family roles are often restored when caregiver responsibilities are taken over by trained staff.  The professional care provided by assisted living facilities relieves the stress and burnout experienced by families when dealing with loved ones who need daily care.

Peace of mind is gained from living in an Assisted Living facility.  The residents benefit from continual monitoring of their health by the trained caregivers, Facility Directors and RN.   Safety against accidents or falls is another plus. The availability of nutritious meals and housekeeping, in addition to opportunities for social interaction, all add to the quality of life experienced by residents at assisted living facilities.

Who lives in Assisted Living facilities?
Currently, more than a million Americans live in an estimated 20,000 assisted living residences.  Assisted living residents can be young or old, affluent or low income, frail or disabled. A typical resident is mid-eighty and is either widowed or single. Residents may suffer from Alzheimer's disease or other memory disorders.  Residents may also need help with incontinence or mobility.

How much does Assisted Living cost?
Each resident has unique needs and preferences.  That is why most Assisted Living facilities will schedule an initial assessment meeting with each potential resident and his or her family.  The goal of the assessment is to learn more about the resident and determine what type of care is needed.

After an initial assessment, the facility will work together with your loved one’s health care provider to put together a Care Plan.  The Care plan is an individualized list and schedule of the services your loved one will receive.  The goal is to provide a level of care that addresses health concerns and provides necessary assistance while helping seniors to maintain their lifestyles.

Only after the Care plan is developed should there be a determination of the monthly cost of care.  That way there never should be any hidden costs or surprises.   On average Assisted Living costs are usually half the costs of nursing home care or full-time, 24 hour a day, home care.  While some assisted living facilities charge per item of care or service, there are some that includes a wide range of services within a standard monthly fee.  There are also some assisted living facilities which base their prices on a sliding scale and often raise rates for each additional service required. Those can start out at a rather reasonable price but soon escalate to be quite costly as care needs increase.

How does Assisted Living compare to institutionalized care?
A: The main difference between an assisted living facilities and institutionalized facilities, such as nursing homes, is the level of care a resident receives and the level freedom the residents are allowed to enjoy. 

In nursing homes, a majority of the residents have health issues that require continual medical supervision as well as need of assistance with daily living tasks.  They are no longer capable of living independently.  Residents in such a facility usually live in shared rooms with little to no private space.  Nursing staff provide medical and general assistance, but are limited in their time and attention by a high resident to staff ratio.  Nursing home residents typically are unable to leave the facility on their own, mainly because they are physically or mentally unable to.

Assisted living residents are far more independent.  They typically do not need as much hands-on medical attention.  Beyond requiring assistance with medicine management, bathing and other tasks of daily living, residents remain very independent. In many assisted living facilities they have individual room furnished and decorated to their own tastes.  Assisted living residents might still cook, entertain, participate in activities, and go on outings, while still enjoying the security of medical supervision and social interaction with other residents.

In the past the main distinction between Assisted Living facilities and institutionalized facilities, like nursing homes, was the ability to provide skilled nursing care.  These days Class C Assisted Living facilities are able to provide many medical services.  Under the supervision of a RN, medical care usually includes medication monitoring, pharmaceutical services, Alzheimer's and Dementia Care, physical and occupational therapy, pain management and hospice care.

Getting an overview of Assisted Living faculties does not make choosing the best one for your loved one’s needs any easier.  But knowing some of the basics about Assisted Living can help with asking the right questions so you make the right choice. 








Kate McCarthy is Director of Operations for HomeAid Health Care which provides services for the elderly who wish to remain safe and independent at home.  HomeAid is sister company to Prairie Home Assisted Living which has served the physical, spiritual, mental and health needs of their residents since 1999.  Together the two family owned companies provide comprehensive care for the elderly and disabled in the Fox Valley of Wisconsin.




Tuesday, January 21, 2014

Fitness for the Elder Years

Exercise needs to be the life work 
of those who wish to enjoy their elder years.

Fitness is the key to enjoying the Elder Years of life.  An active exercise program needs to become the life work of the aging if they wish to be healthy and strong enough to really enjoy their elderly years.  Many seniors and elderly can expect to live much longer due to advances in health care, but longevity without quality of life isn’t much fun.  That is where exercise comes in. 

Exercise adds to quality of life in many ways.  It can energize moods, relieve stress and help manage the symptoms of illness or pain as well as improve the overall sense of well-being. Besides that it is a lot of fun!

Many people envision exercise as high powered and intense.  That is not what seniors and the elderly really need.  The aging do not require strenuous workouts to reap great benefits from exercise.  It really is about adding a variety of movement and activity to one’s daily life.  Having a healthy mix of cardio, strength training, flexibility and balance will improve overall health keep exercise fresh and fun. Here are some things to try:

ü    Cardio Endurance Exercise - Using large muscles in rhythmic motions over a period of time, Cardio will get your heart pumping.  Cardio doesn’t necessarily mean doing high impact aerobics but can include walking, climbing stairs, hiking, cycling, rowing, tennis, and dancing.  Benefits include lessening fatigue and shortness of breath and a general improvement in endurance.  Cardio improves overall endurance for daily tasks such as walking, cleaning the house and getting out and about independently.

ü    Strength Training Exercise – This type of exercise builds up muscles with repetitive motion using light weights or resistance bands.  Strength training for the elderly isn’t about pumping iron but more about preventing loss of bone mass and preserving muscle tone.  It also improves balance and reaction speed which is important in preventing falls.  Strength training will improve walking speed and gives that extra boost for making day-to-day activities, like carrying groceries or doing household chores, so much easier.  Strength training is important to maintaining independence long term.

ü  Flexibility Exercise – Increase flexibility through either stationary or full range motion stretches.  Keeping the joints and muscles supple means enjoying a full range of motion as well as guarding against injury.  Yoga is an excellent way to increase flexibility, stay limber and increase range of motion.  Flexibility is necessary for simple tasks like turning to look behind while driving, reaching for things over your head or near the floor and playing with the grandkids.

ü    Balance Exercise – Improve posture and stability, the ability to walk or move easily and reduce the risk of falls by working on balance exercises.  Tai Chi and yoga both use a combination of poses with breathing to work on balance.  This type of exercise will increase confidence and reduce the risk of falls.

Slowing down as we enter the elder years is really not a wise move.  The aging need to see that the ultimate goal is maintaining independence and enjoying their later years are best achieved through maintaining an active lifestyle with daily exercise.  Finding a combination of exercises that suits your abilities and needs will add immeasurably to quality of life and make the Elder Years a wonderful time.  













Kate McCarthy is Director of Operations for HomeAid Health Care which provides services for the elderly who wish to remain safe and independent at home.  HomeAid is sister company to Prairie Home Assisted Living which has served the physical, spiritual, mental and health needs of their Residents since 1999.  Together the two family owned companies provide comprehensive care for the elderly in the Fox Valley of Wisconsin.


Thursday, January 16, 2014

Exercise Excuses Used by the Aging

The Aging need to re-think their attitude about exercise 

Regular exercise needs to be a priority for seniors and the elderly.  The benefits of participating in a regular exercise program are many.

ü Adds to longevity and makes a vast difference in the quality of life for anyone in the aging population. 
ü  Boosts energy levels, improves mood and confidence.
ü  Speeds up a slowing metabolism and slows down weight gain.
ü  Increases mobility, flexibility and balance.
ü Reduces impact and risk of health issues such as heart disease, high blood pressure, osteoporosis, digestive issues and colon cancer.
ü  Improves sleep.
ü  Enhances brain power and helps fight against dementia and Alzheimer’s disease.  

The consequences for avoiding exercise for the seniors and the elderly are so many that it really is foolish to steer clear of it.  A sedentary lifestyle taken into the golden years is a recipe for illness, falls, hospital and nursing home bills and a premature loss of independence.  Yet over 75% of our aging population is not participating in some sort of physical activity.

Here are some commonly used excuses to justify not exercising.

ü  There is no point in exercising. I’m going to get old anyway.  The truth is that exercise will help you look and feel much younger than your actual years.  It will also help you stay active a lot longer too.  Regular exercise lowers the risk of many health conditions, including Alzheimer’s and dementia, heart disease, diabetes, colon cancer, high blood pressure and obesity.
ü  Older people shouldn't exercise too much.  They need to save their strength and rest. The truth is that a sedentary lifestyle is very unhealthy for adults over 50.  Inactivity leads to inability very quickly.  Sedentary seniors end up with more hospitalizations, doctor visits, medications and falls than active seniors.
ü  Exercise puts the aging at risk of falling.  The truth is that by building up muscle strength, and stamina through exercise you greatly reduce the risk of falls.  Also exercise prevents the loss of bone mass and improves balance making falls even less of a risk to the aging.
ü  It’s too late to start now. The truth is you are never too old to start exercising, even if it is for the first time in your life.  There are many slow and easy ways to start including walking, stretching, yoga, and then working up to low impact aerobics or even ballroom dancing. 
ü  I’m disabled and can’t really exercise sitting in a wheelchair. The truth is that chair-bound people do face special challenges but they can still lift weights, stretch and do chair aerobics.  All of these types of exercises will increase range of motion, improve muscle tone and help promote a healthy heart.

The truth is that exercise is the key to healthy aging.  Today’s seniors and elderly who wish to be proactive about their health need to get seriously active.  No more excuses!













Kate McCarthy is Director of Operations for HomeAid Health Care which provides services for the elderly and disabled who wish to remain safe and independent at home.  HomeAid is sister company to Prairie Home Assisted Living which has served the physical, spiritual, mental and health needs of their Residents since 1999.  Together the two family owned companies provide comprehensive care for the elderly in the Fox Valley of Wisconsin.

Tuesday, January 7, 2014

Quick Tips on Keeping the Elderly Warm

The Elderly suffer when arctic temperatures hit.

We all feel the cold when temperatures dip below zero, but our elderly loved ones truly suffer when arctic blasts blow through.  

The Elderly feel the cold intensely and have greater health risks when temperature drops.  They suffer more in cold weather due to having poor blood circulations in their hands and feet. Some medications thin the blood making matters worse. Inactivity and poor nutrition add to their bodies not handling the cold well.

What can be done to help?

ü  Keep thermostat set above 75*
ü  Wear layers of natural fiber clothing
ü  Use a throw or light weight comforter 
ü  Eat high calories foods & drink hot tea, chocolate or coffee
ü  Heat clothes in dryer before dressing
ü  Seal drafts in house
ü  Use a light hat & mittens to maintain body heat

Simple measures can really help keep your aging loved one safe and comfortable, especially during the bitter cold of winter. 











Kate McCarthy is Director of Operations for HomeAid Health Care which provides services for the elderly who wish to remain safe and independent at home.  HomeAid is sister company to Prairie Home Assisted Living which has served the physical, spiritual, mental and health needs of their Residents since 1999.  Together the two family owned companies provide comprehensive care for the elderly in the Fox Valley of Wisconsin.