Family Member Getting Forgetful? Be Prepared with Memory Care Checklist

Alzheimer's and dementia are one of the main reasons people require long-term health care. The number of Americans living with Alzheimer's disease is growing fast. According to the Alzheimer's Association, an estimated 6.2 million Americans age 65 and older are living, and over 200,000 individuals are under age 65 and have younger-onset Alzheimer's. 

If you have a parent or loved one who suffers from memory loss, they will need supervision at point. Some people with dementia can receive supervision with in-home care providers specially trained to perform this type of care. 

However, once the person's dementia becomes more progressive, a memory care facility, assisted living facility, or a nursing home may be the best option. 

If Facility Care is Required Be Sure to Find the Right One

You should make sure the facility meets the specific needs of your loved one. Be sure the care aligns with your parent's needs.

Take time to determine your loved one's needs before seeking home care providers or long-term care facilities. 

• What is your loved one's level of mobility? Do they walk independently or require a walker or wheelchair?
• Is the person showing aggression or other behavior issues?
• Do they wander or look to find exits?
• Does your loved one need help with eating?
• Does the person need help with toileting or experience incontinence?
• Does your loved one require diabetic care?
• Does your loved one need 24/7 supervision?
• Does your loved one need any ongoing medical attention or treatments? (for example, dialysis or colostomy care)

Here are helpful tips from the BrightFocus Foundation for finding a memory care facility and evaluating the quality of care being offered.

Prepare Family and Finances for Consequences of Aging 

People require long-term health care for a variety of reasons, including memory care. Many families find themselves in a crisis because no advanced plan was put into place. The family must decide how care will be delivered and where the funds will come from to pay for this care.

Affordable Long-Term Care Insurance will not only provide the resources to pay for quality care (either at home or in a facility) but eases the tremendous burdens which extended care places on family members. 

The cost of paid care services can drain savings and change lifestyle and legacy. The LTC NEWS Cost of Care Calculator shows you the current and future cost of care where you live. 

Long-term care has many consequences on your family and finances, impacting you, your family, savings, and lifestyle. An advance plan for the financial costs and burdens of aging will add peace of mind. Act before you retire for the best options. 

Long-Term Care Insurance is easy, affordable, and rate stable income and asset protection. But remember, you must plan when you are younger and healthier, ideally in your 40s or 50s. Find a qualified and experienced specialist to help you in your research.