Caregiver for seniors is helpful tips and guidance in making challenging decisions for your loved ones when they are unable to make decisions for themselves.
Through my experience of being a caregiver for my parents and then for my mother 24-7 after my father had passed it can be challenging. Being able to know what important steps to take through the process relieves allot of stress.
Caregiver for seniors is caring for loved ones in decline is a challenging process, especially now that COVID-19 has changed the way we live. When you’re helping make long-term care decisions for aging parents or grandparents, remember that there are still plenty of ways to help your senior transition to assisted living during the pandemic. Consider ways to cover the costs, whether it’s helping them sell their home or finding alternative financing. For useful tips in a more profound way of seeing your loved one in the way you prefer, courtesy of Infinite Manifesting.
Long-term care options
While some seniors can happily live independently well into their old age, others need more constant care—especially those with medical issues or disabilities. Senior care centers such as can offer specialized care and housing, which can help you rest assured your loved one is well looked after.
To determine whether your senior is in need of more constant care, consider factors including the following: does your senior have a hard time remembering medications? Have you noticed considerable weight loss or gain? Or, has there been a significant loss of mobility or increase in falls? If so, you should begin talking to your loved one about their options for assisted living.
How to pay for care
While insurance can be a great way to cover medical costs, Medicare-based insurance won’t usually cover the fees associated with assisted living.
Medicare is a primary source of health insurance for retirees, and is usually broken down into two primary parts: Part A, which covers inpatient hospital care, hospice, home health care, and some minimal coverage in a skilled nursing facility. Part B covers all outpatient medical care, which includes visits to the doctor and preventative care. While Medicare can cover short stays in nursing facilities, it won’t cover long-term residence in an assisted living center.
Most people will end up paying out of pocket for assisted living and retirement homes. However, you can purchase long-term care (LTC) insurance that will allow you to pay for assisted living without dipping into personal savings or assets. Keep in mind that these policies get more expensive the older you get, and being in poor health or having a disability will make them even more costly.
Selling a home
One great option for paying for assisted living is selling your loved one’s home. While it may seem like a difficult process during COVID-19, it’s still very possible to do so if you follow some guidelines.
To get the ball rolling, think about ways you might be able to show the property without having potential buyers ever stepping foot inside. Some great options for sellers include 3D walkthroughs, video-chat tours, and virtual open houses. Find a trusted real estate agent and talk about ways they can help show your senior’s home virtually.
When you’re discussing future planning with your loved one, it’s a good idea to talk about legal groundwork, such as power of attorney and a living will.
The power of attorney can authorize another person to make decisions in case a loved one becomes incapacitated or seriously injured. This allows another person to take over financial decisions and retain control for the remainder of their life, depending on the scope of the parameters you outline when creating the document.
A living will is a legal document that outlines your preferences for medical treatments such as procedures, pain management, and organ donation. This is also a document where you outline what you want for end-of-life care, including details such as resuscitation, mechanical ventilation, and tube feeding. These decisions should be discussed with your physician and family members.
As you help your loved one navigate long-term care decisions, remember to discuss options for financing assisted living. Medicare is a helpful form of health insurance for the elderly, but it has its limitations. Selling your loved one’s home will be helpful for paying for long-term care, but be sure to do it safely by showing it virtually and avoiding in-person visits. And, don’t forget to take care of forms such as the power of attorney and living will to safeguard important decisions.