Aging Well Blog

 

You like being in the driver’s seat. It’s your life and you want to be sure you get to live it your way. Who wouldn’t?!?

Perhaps you cared for your parents and want things handled differently when you reach your own elderhood. 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.

Want to set up a plan? Call us for a consultation: (210) 492-1224


Paying for care at home

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.

Choosing a long-term care facility

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.

Choosing a home care provider

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.

Medical emergencies: Are you prepared?

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.

What is an Aging Life Care™ Manager?

Imagine your life as a movie. If you are the director, an Aging Life Care™ Manager is your production manager.

He or she is a deeply knowledgeable guide (usually a nurse, social worker, or allied professional) who finds you high-quality help, arranges care “locations,” and advises you about needed services.

Aging Life Care Managers are part of a national organization with training requirements, codes of ethics, and a nationwide network of experienced colleagues in case you need to move to a different part of the country.

How to pay for long-term care

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.