Getting stuck in a do it yourself mentality and not asking for help or delegating<\/li>\n<\/ul>\nMedicare Isn\u2019t Always the Answer<\/h2>\n Many people incorrectly assume they can rely on Medicare as their safety net.<\/p>\n
While it\u2019s true that Medicare plays an important role for ages 65+, there is quite a lot it doesn\u2019t cover. This can leave many people caught off guard when it doesn\u2019t cover a particular situation.<\/p>\n
For example, Medicare may pay for inpatient hospital stays and some home health care, but there are strict income and asset restrictions.<\/p>\n
And while Medicare can be a useful means to pay for long-term care for low-income seniors, it does not pay for assisted living.<\/p>\n
Veterans Are Eligible for Some Support<\/h2>\n If you have an aging parent who is a Veteran, good news: they\u2019re eligible for certain types of support and care.<\/p>\n
While the VA does not pay for room or board anywhere, your parent may receive some at-home services depending on their eligibility criteria, like level of disability or income.<\/p>\n
For example, the US Department of Veterans Affairs has a program called VA Aid and Attendance, designed to help Veterans and their surviving spouses defray costs. This program includes a range of benefits, from financial compensation to disability pension, which all have specific criteria which must be met in order to qualify.<\/p>\n
It’s recommended to start the application process with the Veterans Administration as early as possible, so you can work with your parent to determine which services they may be eligible for.\u00a0<\/p>\n
Companionship Care versus In-Home Health Care\u00a0<\/h2>\n So what can you do as you’re considering how best to help plan with your aging parents.<\/p>\n
First, it\u2019s important to know there are two main types of support you may want to look into: in-home companionship and in-home health care. Let\u2019s take a look at how they\u2019re different.<\/p>\n
Companionship care, like a personal care aide or care companion, is helpful for older adults who simply need extra help to live safely at home, but who don\u2019t need additional medical services.<\/p>\n
In-home health care, on the other hand, offers monitoring and basic medical care from a trained aide. This is important for seniors who need help with ADL (activities of daily living) such as eating, bathing, and dressing. You can hire a caregiver directly as an employee, or find one through an agency.<\/p>\n
In-Home Care Versus Senior Housing<\/h2>\n Once you\u2019ve established it\u2019s time for your aging parents to get some extra support, you\u2019ll need to discuss whether it\u2019s best to have in-home help, or if it\u2019s the right time to find a senior living option that feels good to them instead.<\/p>\n
There are many things to consider, from how much medical support they require, to whether they\u2019d enjoy the companionship of a senior living community.<\/p>\n
If senior housing is something you\u2019re considering, it\u2019s a good idea to start researching and calling around sooner rather than later, because senior living communities tend to have high occupancy rates.<\/p>\n
Next Steps\u00a0<\/h2>\n Helping your aging parents map out a plan for the future may seem intimidating.<\/p>\n
But once you start taking small steps, and learning together, you may find it both rewarding and comforting to develop a plan together.<\/p>\n
Have questions? We\u2019re always here to talk through how we can best support you and your family.<\/p>\n
If you could use any more specific guidance on planning for the future, we\u2019d love to help. Feel free to call us at 855-461-2552, or send us a message<\/a>, anytime.<\/p>\n","protected":false},"excerpt":{"rendered":"Helping Your Aging Parents Plan for the Future Have you mapped out a plan with your aging parents to address what will be done as they move toward their more senior years? If you haven\u2019t yet, you\u2019re not alone. 53% of adult children anticipate that talking through senior care options with their loved ones will […]<\/p>\n","protected":false},"author":11,"featured_media":6198,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[15],"tags":[50,17,16,65],"class_list":["post-6196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-caregivers","tag-assisted-living","tag-caregiving","tag-elderly","tag-financial-planning"],"yoast_head":"\n
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