Identifying when an older loved one may need to transition from home to assisted living, memory care, or a nursing home can be challenging. However, several signs indicate a change is necessary. These include frequent falls or injuries, noticeable weight loss or gain, diminished personal hygiene, and increased confusion or forgetfulness. These changes may point to physical or cognitive decline that can be better addressed in a more supportive environment.
Another key indication is the increasing difficulty of managing daily tasks. If seniors struggle with routine activities such as cooking, cleaning, grocery shopping, or taking medications, they may benefit from the additional support provided in an assisted living facility.
Social isolation is another red flag. Older adults who are primarily alone or express feelings of loneliness might gain from the community aspect inherent in many assisted living or nursing home environments.
Remember, this transition can be difficult, so it's crucial to approach the topic with sensitivity and respect for the individual's autonomy. Discussing the situation openly and honestly with the loved one involved is essential. Involving medical professionals in the conversation can also be beneficial to provide a balanced perspective on the decision. The primary goal is to ensure the safety, health, and overall well-being of the individual concerned.
So, you've navigated the challenging conversations, and your loved one has accepted the notion that they'll benefit from professional care. You've identified an ideal long-term care facility and secured a spot for them. However, this is only part of the journey. Other aspects of their life will require attention and management on your part, some of which may present challenges.
#1. Splitting Up Personal Property
Certainly, your loved one will likely will have personal items they wish to keep close, and such items should accompany them to the nursing home. However, an item may not fit within the available space if it is particularly large or bulky. In these situations, an alternative could be creating a sizable photograph of the item to adorn their bedroom wall.
If your loved one has numerous belongings they can part with, you and any other closely related family members will likely need to address the task of sorting through these items. Allowing family members to keep items that foster a connection or memory to your loved one can be a thoughtful idea.
However, there may still be a surplus of possessions remaining. These can be sold online, offered at a yard sale, or donated to charity, allowing others to benefit from them. This approach is far more advantageous than simply discarding them or taking them to a landfill.
#2. Dealing with Real Estate
The property itself will likely need addressing. Given that long-term care expenses are far from cheap, the house sale could help finance these costs, ensuring comfort for your loved one. Ideally, your loved one bought a Long-Term Care Insurance policy when they were younger; otherwise, the cost will be paid through assets.
If financially feasible, an alternative could be to remortgage and rent out the property, providing a steady income stream. However, this strategy is only practical if you can independently manage nursing home expenses.
In addition to personal items and property, vehicles may also need to be addressed. Some individuals may be capable of driving these vehicles to their new locations, while others might not due to the vehicle's maneuverability or the travel distance involved.
In these scenarios, professional car transport services can be extremely helpful. These services are equipped to deliver any car to a new location using a variety of methods. The vehicle could be driven by a professional driver using trade plates to its new location, or it could be transported on a trailer, depending on your preferences and needs.
LTC NEWS offers help in finding quality care options. If someone has Long-Term Care Insurance, we can arrange free claim processing so they get the benefits needed to pay for quality care.
These LTC NEWS guides are also helpful:
Having a plan of action and getting others to help you is not at all a sign of weakness but a way of ensuring that all of your family are kept happy with the outcome that is presenting itself.
Understand the consequences that long-term care has on family and finances. Planning may not be an option for your loved one who needs care, but now is the best time to prepare for the costs and burdens of aging.
Long-Term Care Insurance should be part of your comprehensive retirement plan.
About the Author
Maggie Hammond is a proud mama to two little people and has one too many furry friends. She's passionate about alternative medicine, education, the great outdoors, and animal welfare.
Contributor since June 8th, 2023
Long-Term Care Insurance, often a component of a comprehensive retirement plan, extends beyond the commonly perceived benefits for assisted living and nursing home care. Notably, it can offer a significant provision for in-home care, which many policyholders find attractive given the comfort and familiarity of one's home.
In-home care benefits under Long-Term Care Insurance can encompass a broad range of services, catering to those requiring minor assistance to those needing extensive care. These services can include help with daily living activities, such as bathing, dressing, and meal preparation.
Additionally, the policy covers assisted living, memory care, and professional nursing care (at home or in a facility) for those with more complex medical needs, physical therapy, and even occupational or speech therapy.
Furthermore, many Long-Term Care Insurance plans include benefits for home modification. This allows for adjustments to the home environment, making it safer and more convenient for the policyholder. Modifications can range from installing grab bars and ramps to more extensive renovations like widening doorways to accommodate mobility aids.
These in-home care benefits provide valuable support to those wishing to age in place and give peace of mind to family members. They can be assured their loved ones are receiving quality care in the comfort and familiarity of their own homes. As such, when considering Long-Term Care Insurance, understanding the extent of in-home care benefits is a crucial part of making an informed decision.
Most people get coverage in their 40s and 50s when premiums are lower and more options are available.
Remember, planning for long-term health care is more than just about protecting assets; it eases the stress and burden otherwise placed on loved ones.
Get Questions Answered About Long-Term Care Planning
The cost of long-term health care is exploding. This calculator is an outstanding tool whether you are helping someone find care today or you are planning for yourself for the decades ahead.
Find the current and future cost of long-term health care where you live - LTC NEWS Cost of Care Calculator.
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