You meet life head on, with your eyes wide open. You like to plan. You like things to unfold your own way. Who wouldn’t?!?
Perhaps you cared for your parents and want your own elderhood handled differently when your time comes. Maybe you do not have children and wonder who will help you when you need it. Perhaps you do have children and want to have your independence, make your own decisions.
This blog is for those who want to proactively plan for their later years. Check out our monthly posts for thoughts that can help you decide what will work best for you in terms of housing, paying for care, and meeting life’s challenges as you age.
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According to AARP, 50% of those over age 65 will need to pay for personal care for two years or less. Since Medicare does not pay for nonmedical help (average cost ≈$140,000 if you paid from your own resources), long-term care insurance was developed as a funding option. The reality of long-term care insurance. While it…
As many of us discovered through shelter-in-place restrictions, spending time outdoors isn’t just “nice.” It feels fundamentally healing. The research backs this up. Time spent in nature has been documented to decrease cortisol—a stress hormone—and boost the immune system. It can reduce depression and improve attention. The studies are so compelling that before the pandemic, some…
Video visits with doctors are one of the changes put in place during the pandemic that will likely carry forward even after COVID is long in our rearview mirror. While not appropriate for all conditions, it is a convenient new option for care. Here’s how to prepare: Confirm that your insurance will cover telemedicine. Medicare…
Imagine your life as a movie. If you are the director, serves as your stage manager. He or she is a deeply knowledgeable guide (usually a nurse, social worker, or allied professional) who finds you high-quality help, arranges locations, and advises concerning needed services. s are part of a national organization with training requirements, codes…
Most people are surprised to learn that Medicare pays for only a limited amount of the daily care you are likely to need in your lifetime (about 14%).
Medicare covers only services delivered by medically trained professionals. That means you need to have savings or insurance and rely on a collection of local programs. Or family and friends who may be able to pitch in with labor or funds.
Allowing a stranger into your home can leave you feeling quite vulnerable. It’s important that you trust the individual and the company that does the background checks, verifies training, and puts together the schedule.
You also need to interview each company to find out pricing and minimum number of hours, and to see if they have independent quality ratings.
Choosing an assisted living community, a continuing care retirement community (CCRC), or a memory care facility is a big decision. You want to get unbiased recommendations for a good match from the start.
Your elder care support team will include friends and family, health care providers, and professional advisors. An Aging Life Care Manager can help you select wisely and coordinate these services effectively.
How you pay for care at home depends on whether the service is by medically trained staff or by nonmedical caregivers. Also, what you can mix and match in terms of community programs and help from friends and family.
Medicare pays only for care in the home that requires the skills of a nurse, nursing assistant, physical therapist, or other medically trained professionals.
Accidents by their very nature are unplanned. That doesn’t mean you need to be unprepared for a fall or a serious incident (e.g., a heart attack or stroke).
Those who are prepared and have a professional advocate, such as an Aging Life Care Manager, are more likely to get the care and the outcomes they desire. Plus, they can recuperate in a setting most in line with their personal needs and preferences.
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