Pages on Retirement
on all Issues Related to Assisted Care, Care Givers,
Selection of Care Homes, Long Term Illness
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People with Alzheimer's, Dementia and other long term
after the Terminally Ill.
care is a national problem. We have an aging
population, with fewer sudden deaths and longer life
expectancy. As people become older, there are urgent
needs for supportive medical, social and personal care
increases, as people become older than when we maintain a
relatively younger population. At the same time, as in
most industrialized countries, we have a decreasing pool
of formal and informal caregivers. This current health
demand puts a severe strain on the current care
needs Long-Term Care?
Long-term care refers to a broad range of services needed
by people, who are unable to meet their basic living
needs, for an extended period. The health issues may be
the result of accidents, illness or frailty, brought
about by old age. The services for long term care, have
to cover an individual's inability to move about, dress,
bath, eat, use a toilet, take the necessary medication
and help with other accidents of incontinence. Also, care
may be needed to help the disabled, with ordinary
household tasks, such as cleaning, preparing meals,
shopping, paying bills, visiting the doctor or answering
the phone. If you want to solve these problems with in-home
carer, click here to see what is normally offered and,
how much it would cost.
Disabilities caused by impairments from stroke,
depression, dementia, Alzheimer's, Parkinson's, make
significantly higher demands on the caregiver.
Long-term care requires a healthy person,
a relative or professional caregiver, to provide support
for the disabled person. Alternatively, to home care,
institutions can offer support. Those who are disabled
prefer to stay at home. In many instances, the deciding
factor of whether to receive home care or institutional
help centers on the nature of the disability.
relative caring for an overweight patient may be
unable to help him bathe, dress, use the toilet
or even transfer from the bed to a chair. The
caregiver will either have to hire aides to come
to the home or put him in an institution.
Alzheimer's patient may also become unmanageable
and must receive constant supervision, and an
Alzheimer's facility may be the only solution.
|There are several ways to go about
providing care for your loved ones when dealing
with long term care. You may want to consider
nursing homes or assisted living communities.
Both will require substantial funding and some
organizational planning, both regarding financial
planning and day to day organization. We have a page that helps
you select the right facility.
Remember, not all facilities are the same, and
you will learn very quickly that some
institutions are outright frightening.
To find a community that offers the best care and
attention for your loved one, you will have to do
some local research. The cost of a nursing home
ranges from $42,000 to $90,000 per annum. Home
and community care can range from $20,000 to
$90,000 per year. The financial burden may e a
considerable strain for many families. Statistics
show that after paying for 1 year of long term
care, 72% of elderly Americans are impoverished.
If there is a spouse in that unfortunate
household, that person's standard of living will
be greatly reduced from the loss of assets.
you buy Long Term care Insurance
way of overcoming the financial problem is
getting long-term care insurance. Getting this
type of insurance requires long-term planning
because you cannot wait to get Long Term Care
insurance until you need long term care. It has
to be arranged a long time before you call upon
to help you cover your expenses.
There are many long term care insurance plans
available in the marketplace. Each offers a
unique combination of benefits and pricing
structure, making side-by-side comparisons
difficult. The Federal Government
has a Long-term care Insurance and provides you
with a means of comparing Long-term Care
Insurance's offered to the public. It is
not easy to follow but
click here to start getting the tools to compare.
you have obtained long-term care insurance, it is
still a rather risky business. Having to sue the
company that should provide the benefits is not
uncommon. The Consumer
Law Pages have
some good advice on that. Buying a policy is a
function of your age, health status, overall
retirement objectives, revenues, and wealth. If
the only source of income is a minimum Social
Security benefit or Supplemental Security Income
(SSI), do not purchase a policy. If
paying utilities, food or medicine stretches an
individual's budget; this person should not buy a
Long-term care policies are only for
people with significant assets they
want to preserve for family members, to assure
independence and not burden family members with
nursing home bills. Never buy a policy
if paying the premiums will be a problem.
If you have existing health problems that will
result in the need for long-term care, such as
Alzheimer's or Parkinson's disease, no company
will sell you a policy because the probability of
losses exceeds the probability the carrier will
earn a profit on its contract with you.
Home Care is the only Alternative
Often, the only option when caring for an elderly
family member with a long-term illness such as
Alzheimer's or dementia is "at home care."
Preferably caring could be done alone by family
members or with the assistance part-time/full-time care
giver or visiting care givers.. If you
click on that page, you will find some
definitions of what kind of care you can get,
what they do and how much it costs.
If you are considering caring for a senior at
home, you might want to familiarize yourself with
the problems and difficulties involved in home
Www.aahomecare.org has a selection of videos and
material available to help with the care of
Alzheimer's patients and the long-term care they
At home care will require products and supplies
such as beds, clothing and safety and security to
provide the best possible environment for patient
and caregiver alike. Good places to start looking
for the products you may need, are, www.alzstore.com
. They provide products that make a
living with Alzheimer's disease as easy as
www.caregiverproducts.com and www.buckandbuck.com also
offer products that cater to the elderly.
a caregiver, you need to stay abreast of
information and issues regarding Alzheimer's
disease, dementia, and other medical conditions.
You will want and need to be an active
participant in your loved one's medical care. For
this, you need to be able to communicate
easily and efficiently with numerous members of
the medical field. Such exchanges may
include discussions with other caregivers,
nurses, doctors, and nutritionists. To begin your
education and to make yourself familiar with the
issues, and the way physicians and other medical
personnel see the patient and his health problems
can be reading some of the books shown below.
Books on the Topic from amazon.com
They are all available from
Amazon, and you can buy most books second hand
(used). Just click on the links.
The important aspect to be aware of is that you
are not alone when dealing with a long-term care
patient. Though it often seems like that. While
we do not want to bore you with statistics, it
might help you understand the problem better, and
you might even become politically active on
behalf of long-term care patients and their
few Facts About Long-Term Care
More long-term care is received at home and in
community facilities than is received in nursing
homes. Of total care provided, 78% is home or
community-based. One-quarter of American
households are directly or indirectly involved in
a caregiving environment. The quarter of US
families represents 25 million households, 70 %
of them trying to manage the demands of full-time
jobs with the demands of caregiving. The type of
long-term care we are talking about is not
restricted to the old. Out of the total
population receiving long-term care, 45% are
under the age of 65. Out of 15 million Americans
receiving care, more than 7 million are of
working age For those over 65, there is a 41%
chance they will spend an average of 2.5 years in
a nursing home. The combined lifetime risk of
needing home and community care, as well as
nursing home care, is about 6 out of 10.
||Care provided by
government agencies is diminishing.
Medicare spending on home care dropped
from $17.5 billion in 1997 to $14.9
billion in 1998 and $9.7 billion in 1999
and had rapidly dropped further since
then. Even conservative projections show
that an aging population over the next 40
years will cause a huge drain on state Medicaid
programs, which are still the primary
source of funding for nursing homes. Congress
has sent a clear message it has no intent
to create a new government-sponsored,
long-term care entitlement program.
Despite increasing pressure from
the AARP and the demands of a voting public that
is increasingly growing older, the government's
attitude has not changed. At the moment (2017),
it looks as if the population as a whole, the
Federal as well as State governments, and
especially Congress, has little intention to
intervene in solving a continuing long-term care