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Care Needs Caring for our
parents or grandparents is something we might not think
much about in our 20?s and 30?s and maybe not even think
too much about in our 40?s but eventually, most of us
will face the challenge of assisting our parents and
grandparents to find either help in their own home or a
new home with staff and amenities to meet their needs.
Also facing most of us is that obtaining the ideal
situation for our loved ones may mean trying more than
one option and re-addressing care needs as they
change.
Becoming familiar and understanding terms
such as retirement apartments, assisted living, group
homes, skilled nursing care, custodial care and home
health care is a start into navigating what is a journey
that you will return to more than once.
Talking
about options for financing care is another area we can
sit down with our parents and grandparents and talk
about, keeping in mind talking about money isn?t always
something comfortable, but necessary to do before there
is a crisis and care needs to be implemented right
away.
Retirement apartments are an option for
many seniors once they sell their home and want to
downsize. I have heard many who have moved to a
retirement community exclaim, why didn?t? we do this
sooner. Typically lawn maintenance is done for the
recipient living in a retirement community and other
services are readily available for a fee, such as
laundry, housekeeping and shuttle van service for
appointments. The social activities can be an added draw
for staying active and can be appealing to those living
alone. Many places have onsite beauty salons and other
services so that one doesn?t even need to leave the
grounds unless going out on the bus for an excursion or
outing. Some retirement homes have the option to
transition to assisted living or a nursing home when and
if needed.
Assisted Living facilities (ALF)
applies to a living arrangement where there is staff
available that may assist with some meals, and help with
medication management as well as with housekeeping. In
some cases ALF are staffed with nurses who are available
on a fee for service basis.
Many patients and
families ask what is the difference between skilled
nursing care and custodial care as viewed by Medicare
guidelines. Ultimately a patient?s physician along with
possibly a physical and occupational therapists
determine what skilled needs are involved. Assessments
by nursing care managers are also important to help
determine what needs an individual has and what will be
paid for by insurance. In most cases skilled care
follows and acute event that requires hospitalization,
such as a hip replacement surgery, heart surgery, or
stroke. Skilled care involves, nursing care, physical,
occupational and possibly speech therapy and implies
that the patient?s level of care at the beginning of
treatment can be improved by the nursing and therapy
given. Custodial care or non-skilled care might also
involve care from nurses and therapists, however the key
difference is that improvement in the level of function
is not expected. To further elucidate this point,
someone who has undergone surgery and needs assistance
to learn to walk again and build up endurance in order
to return home may qualify for skilled care, while
another patient who needs help getting dressed, walking
and having meals prepared on a long term basis may need
care for everyday needs which would be considered
custodial or non-skilled. Differentiating between these
two types of care also involves a financial component.
Care at a Nursing home or Subacute or Acute
Rehabilitation center may cost in the range of 3,500 to
7,000 per month inclusive and may not be covered by
Medicare or other Insurance, based on the expected
outcome of the treatment. Also something to keep in mind
is that if Medicare does cover treatment for skilled
care, the implication is that once optimal improvement
has been reached, care may need to continue but
Government assistance discontinues. Care needs are
usually determined on a week to week basis and sometimes
determined every few days, depending on the expected
duration of the plan of care.
After completing a
course of skilled care at a Rehabilitation facility many
patients and families choose to transition into a long
term room where therapy can still be available and
nursing is provided around the clock. This care, again
is custodial and is either paid for through the
individuals estate or application for state assistance
can be made for qualifying patients.
Other
patients choose to have caregivers in the home.
Typically caregivers are paid by in the range of $18.00
per hour. You may be able to negotiate a lower rate for
24 hours of care at a time, e.g a daily rate, although
many charge hourly for their time. Finding the right
caregiver can be done through an agency, which has
checked references for their staff or you may have
success checking with people you know through the
community. Some people run an add in the local paper to
seek a caregiver and many caregivers advertise to find
work under the Domestic Services section in the
Classified advertisements. Finding the right person has
a lot to do with personalities and how your loved one
would feel about having someone in their home each day.
Many patients become very close with their caregivers
and enjoy the companionship and having the benefit of
having some light housekeeping and meals made, as well.
Caregivers also can be available to help you with
picking up prescriptions, errands and even a trip with
you to your favorite restaurant for lunch now and
then.
Sitting down and talking about options
before you need them is so important and vital to do
early. It is not uncommon that an unexpected fall or
illness takes place and the patient and family are not
prepared for the financial burden of caring for a loved
one, or a spouse wants to provide the care but
physically cannot. Another scenario is that the children
of the person needing care is still working or caring
for their children and cannot be away to care for their
parent. So many families are caught off guard and
overwhelmed at what is needed for their loved one when
the time comes, that if you stop and sit down now when
your loved one can make decisions while things are going
well, you will better be better guided to respect his or
her wishes when the time comes to make extra care
arrangements. Sitting down initially can be anxiety
provoking and your loved one might not be ready to talk
about the future on the first try. You may want to do a
little research on your own and if it is the case and
get some brochures and information by phone or over the
internet for your next discussion and leave that for
your parent or grandparent to look over. Also mentioning
experience a friend or someone you know has had can also
break the ice. If at first you don?t get through on the
topic, don?t give up. The important thing is to keep
trying and if you find that you aren?t getting anywhere,
share your concerns with another family member that may
be able to break the ice. If it appears that care needs
are approaching faster than you are ready for, an
intervention with several family members could be
beneficial. Care managers in your community can be hired
to help with exploring options and mediating as well.
Talking about getting older and needing care isn?t an
easy topic so give yourself and your loved one some time
to absorb the information and remember you are doing
this for someone who needs your help and in the long
run, planning ahead makes the transition as smooth as it
can be in a difficult
time.

Deception Pass, Whidbey Island, WA Picnic Shelter built by the Army CORPs of Engineers in the 1930's -The Golden Age of Rustic Design |