Elder Care: Featured Article

The Challenge of Eldercare

Isn’t eldercare a challenge that every person faces or has to face? Taking care of aging parents, an elderly loved one, an elderly spouse or a close friend could mean a responsibility, and it can happen suddenly too. An aging mother has broken a bone, or a spouse has just wandered off and got lost.  Such incidents could lead you to uncertainty, and just taking care of such people would make you think of eldercare.

Often a crisis hits a family and the aging mother or father is in need of long term care.  Besides,  in the natural process of getting old, the elderly start showing signs of mishaps.   There may be illnesses, weight loss and there may be several other warning signs to indicate that they are in need of special help from you.

Professional Help

For some people eldercare comes naturally, because they are temperamentally patient and have knowledge of nursing.  But even that may not help, if the problem is serious and needs outside help like a rehab facility or a nursing home to recover.  Get help from friends and there are institutions and centers like the Elder Care Support Group or Daily Living Solutions.

Look for practical and affordable solutions.  Eldercare does not mean that you have to do everything with your own hands because you love your mother very much and want to take care of her.  Be practical and look for home medical equipment, if it is necessary or home health care products, which will make life easier for you.

There are Support Groups for eldercare, where you can meet and discuss your problems with them, because they have already solved eldercare problems. Share your experiences with them and learn from theirs, their problems could be similar to yours. In this way you can fulfill the special needs and requirements of your loved one.

Changing Society

In traditional society eldercare was the responsibility of the extended family.  Since families have become small, their living space restricted and  life expectancy of the elderly has increased, there has been a rise of homes for the elderly like seniors apartment complexes, old peoples’ homes or charitable institutions.

Eldercare not only includes  medical care but also  social care that the family and loved ones can give the elderly. It is important that there is an element of love and care in their  eldercare, and that it is not looked down just as a responsibility to be dealt with mechanically.   It can be a case of elder abuse, if there is no personal touch to eldercare.

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July 10, 2009

Is Planning to Access Public Benefits Ethical?

Not only is such planning “ethical,” in many cases it may be essential. It might even be considered a form of tax planning for the middle class.

While longevity is increasing for both men and women, people are suffering from more debilitating diseases, and requiring more long-term care than ever before.

The cost of that care promises only to increase; and, were it not for the Medicaid Program (called Medi-Cal in California) created by Congress, many Americans would be without the means to pay for that care or would risk financial ruin. Seniors and their families deserve to live and age with dignity. They should not have to choose between securing necessary care and financial ruin. Indeed, providing a payment source for seniors and the disabled to cover long-term care expenses was a social policy decision made by Congress years ago.

Avoiding impoverishment by taking steps to qualify for an available long-term care subsidy may require planning and the services of an Elder Law Attorney.

Is this ethical? Think of it this way: The wealthy plan their affairs and design their business strategies to minimize their tax burden. They may hire a team of expert financial advisers, accountants and attorneys to assist them in their efforts. Their success is applauded and the creative efforts of their “team” members are often highly compensated. When logic is applied, what is so different about the middle class planning their own affairs in a similar fashion, in pursuit of benefits to which they are entitled? Except for an inherent class bias favoring the wealthy, the answer is nothing. The impact upon the public treasury — whether the planning involves tax avoidance, or securing a Medi-Cal subsidy — is precisely the same. Such middle class “tax planning” is not only ethical, it is becoming absolutely essential.


Gene Osofsky is an East Bay elder law attorney in California. Gene Osofsky specializes in Medi-Cal planning, wills, probate, trusts, nursing home issues, special needs planning, and disability planning. To learn more about elder law and The Law Offices of Osofsky & Osofsky, visit Lawyerforseniors.com.

Source: http://www.articletrader.com

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November 30, 2008

Choosing a Retirement Home: The Bare Necessities

There’s a grayish space, a sort of undefined and often unregulated type of housing choice for seniors ready to leave their primary residences but not yet ready for a full fledged nursing home. This type of a home is dubbed, “the retirement home”, and usually includes residence/apartment style living in a complex that offers numerous amenities, often including a dining program and some level of medical care/attention. These homes can be a great transition for an individual who wants some ongoing medical care, but who needs to maintain their independence and a true sense of home.

It is tricky to know what to look for in these “retirement homes”. As they are not regulated, each residence will be unique and offer different levels of services, for varying costs. Here’s a look at what you’ll want to investigate as you search for the perfect “retirement home”

The number one aspect of any retirement home that you’ll want to seriously look into, is the health services offered. It’s this service that sets apart the premium retirement homes from the not so premium ones. Number one, you’ll want to find a residence that hosts an on-staff nurse and also certain heath care services like medication reminders and bathing assistance. This should be a minimum requirement in terms of health care.

Pay attention to the general cleanliness of the the entire complex. There’s no reason you should live in a place that lingers with the scent of urine- which is, by the way, one of the tell tale signs of a complex that has serious issues with sanitation. On the flip side, a good sign might be to see anti-bacterial hand washing stations speckled throughout the complex.

Another consideration with regards to health care, is to have a realistic peek into the future. How long would you like to stay in this one facility? Most folks would rather not move three or four times in their later years. In this case, it’s a good idea to find a community that offers continuing care. Such complexes, offer independent living quarters and also assisted living facilities and nursing homes. With such options, if a resident’s health declines, proper treatment and a suitable residence is available to the resident and they can avoid the upheaval of a big move. Considering that moving can be stressful when your in good health, and that moving when your in a health crisis is only going to be that much more taxing, this option is one you’ll surely want to consider.

The other aspect of a facility’s health care, is the cost. You’ll want to understand the various packages available and find one that suits your needs today- and one that’ll cover your needs in the future. When it comes to needing to upgrade from one package to that same package with the adjustment of an additional service, many complexes find the opportunity to over-charge.In some cases, it’s often best to choose a good overall package that covers services that you may not need now, but could be useful in the future. Whatever the case, you’ll just want to know clearly what you need and can afford, and what is covered in the various service packages. Read the fine print and if need be don’t hesitate to hire an attorney who specializes in elder care to review the terms of the contract. Better to pay up front and fully understand what your getting into, then to be swindled down the line.

Research the staffing levels of each facility. In direct proportion to your monthly payments will be the staff to resident ratio. It’s truly better to have a higher staff to resident ratio and to pay a bit more for the better care and service. It’s also a good idea to look into the staff turnover rate. You definitely want staff who know their residents well. If staff are leaving after a month or two, then you may have come upon an unhappy facility and one that you’ll want to steer clear of.

It’s important to investigate the history of the complex to ensure that it’s a well run facility with no big complaints or unhappy law suits filed against it. You can start by having a meal there and chatting it up with some residents- you’ll get a quick idea of how content people are with the place. But, this is not enough. You’ll want to also check into the Better Business Bureau, Elder Care Locator and Nursing Home Compare. These will all help you find out any complaints, or legal actions that may be filed against a specific residence.

How secure is the facility? This is an important question, as you’re putting your security and health into the hands of the facility. You’ll want to ensure that there are security personnel on patrol 24 hours a day, seven days a week and that the building itself is secure. Check the locks on the windows and the alarm system. Calls bells, or bracelets for residences that’ll notify staff of emergencies- these are security measures you’ll want to look into as well.

Once you’ve covered these necessary elements, you can then narrow down your search by comparing such aspects as location, campus amenities, programs and activities, and the look and feel of the residences themselves.

You should feel very confident heading into this next chapter of your life. With some thorough research you’ll be able to find the perfect retirement home- one that has your health and happiness in mind.

Carolyn Capalbo is an expert military relocation specialist and real estate agent serving Northern Virginia real estate. Visit Just4Real.com to find updated market information about areas in Prince William, including Ashburn VA real estate.

Source: http://www.articletrader.com

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