Medical science advances are increasing lifespan and quality of life - but. The increased longevity has increased the number of people who need help with daily living activities and supervision due to dementia.
The problem is if you don't die, you live. When you live, you age, and aging issues mean a higher risk of needing long-term health care services.
The consequences of getting older are simple - an older spouse or adult daughter or daughter-in-law becomes the caregiver in addition to their own career and family responsibilities OR you pay for professional care from your income and savings. Sometimes you might have family caregivers and have paid care services as well.
More Men Becoming Caregivers Out of Necessity
Because of aging issues, we now see more men becoming caregivers as well. Millions of men are now the primary caregivers for their ill and aging loved ones. According to AARP, two out of five unpaid caregivers in the United States are men.
People need long-term care due to illness, accidents, or the impact of aging. Alzheimer's and dementia are one of many reasons a person may need care, and the pressure on family members is tremendous.
Without Long-Term Care Insurance, the family faces a crisis. Accounts must be drained to pay for care. A family member may have to leave their job to take on the role of caregiver. Family caregivers face many challenges as they attempt to take on a job they were untrained and unprepared for, but that is what they must do.
The FDA Provides Seven Tips for Caregivers
- Keep a List of Medicines for Each Person You Care For
The list of medications (and doctors) should include over-the-counter medicines, dietary supplements, vitamins, and herbs. Keep this list with you (or with your loved one) at all times. Bring this list to doctor visits, and remember to ask any questions you may have. Read more here.
- Give the Right Amount of Medicine
Ask the health care provider how much medicine you should give and when you should give it. Use the measuring cup or device that comes with the medicine. Read more here.
- Lock up Medicines
Make sure medicines are taken by the person it was meant for. Keep all drugs out of reach of children, teens, and older adults who can harm themselves. Click here to learn more.
- Make Food Safety a Priority
Those you care for may have a higher risk of getting sick from the wrong food. Ask your doctor if there are certain foods that you should avoid giving your loved one. Also, remember food safety when preparing meals. Follow four easy rules: clean, separate, cook, and chill. More information can be found by clicking here.
- Use Home Medical Devices Safely
Talk to a doctor about how to safely use medical devices. Ask the doctor to show you and your loved one how to use the device correctly. Also, get the facts about hearing aids.
- Be Prepared for the Unexpected
Make a plan for how you will care for your loved one in case of an emergency. Have backup supplies and medical information. Notify your electric company and fire department if you have a medical device that needs power. More information can be found here.
- Take Time to Care for Yourself
Stay consistent with your own doctor's appointments and well-being. Often a family caregiver faces their own health issues due to the stress and time required. No matter the caregiver's age, paying attention to your health is critical for you and your family.
When caring for someone else, it is easy to forget your own needs. When you fail to take care of yourself, it becomes harder to care for your loved one properly.
Again, remember to take the time to care for your own health. Use these tips to help you stay healthy for those who need you.
- For women: schedule your mammogram. Find a location near you.
- Talk to your doctor about feelings of depression and anxiety.
- Take time to care for your health - important tips on a variety of health topics.
- Learn how to manage caregiver stress.
As more men enter this stereotypically female sphere, it is essential to consider what tools and resources male caregivers need to succeed. Read this if you are a male caregiver by clicking here.
13 Secrets that Make Caregiving Easier
AgingCare offers these 13 tips to make the role of a caregiver easier on everyone -click here.
These articles are also very helpful:
- Healthy Aging Tips for Women
- Food Safety for Older Adults
- Medicines and You: A Guide for Older Adults
Are You Prepared for Your Aging?
One of the most critical parts of your own retirement plan should be addressing your future aging concerns to limit the impact on your spouse and children. Since long-term care will impact you, your family, your savings, and your lifestyle, addressing the costs and burdens of aging should be part of your pre-retirement checklist.
Affordable Long-Term Care Insurance will safeguard your savings and reduce the burdens placed on loved ones. When you own an LTC policy you give your loved ones the time to be family instead of caregivers.
Most states offer partnership programs that provide additional asset protection if you own a Partnership Long-Term Care Policy. See the availability of partnership in your state along with available tax incentives by reviewing the LTC NEWS Cost of Care Calculator. In addition to finding the current and future cost of long-term health care services, you will discover other important information pertaining to your state - Cost of Care Calculator - Choose Your State | LTC News.
Long-Term Care Insurance is Easy and Affordable Asset Protection. Before you retire, be sure you plan so you can avoid making your family your caregivers.
About the Author
An LTC News author focusing on long-term care and aging.
Contributor since August 21st, 2017
The resources on LTC NEWS will help you learn about your options to plan for aging's financial costs and burdens. As you prepare for your future retirement, better consider the physical, emotional, and financial burdens that get placed on you and your loved ones.
Use the LTC NEWS Cost of Care Calculator and find both the current and future cost of care services where you live. Click here and see the financial impact.
Find Qualified LTC Insurance Specialist
Be sure to seek the right type of professional help. Experts say to avoid using a financial advisor or general insurance agent. They often lack the experience and knowledge in policy features, underwriting, tax advantages, and other factors. Since premiums can vary by over 100% between insurance companies, you need a skilled and trusted professional.
A qualified Long-Term Care Insurance specialist will help you navigate the options and find the best coverage at the best value. Discover your trusted pro by clicking here.
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Looking for Quality Caregivers? Need Help Filing an LTC Insurance Claim?
If a loved one already needs in-home care or owns a Long-Term Care Insurance policy and needs assistance filing the claim, LTC NEWS is here to help.
LTC NEWS provides free assistance with no obligation - Filing a Long-Term Care Insurance Claim | LTC News. You can also help find caregivers and get recommendations for a proper care plan, whether a person has a policy or not.
Benefits of Reverse Mortgages
There are many people today that have much of their savings invested in their home. With today's reverse mortgages, you can use the money in your home to fund a Long-Term Care Insurance policy, add retirement income, or even pay for in-home care if you need care now.
Learn more now - Reverse Mortgages | LTC News.
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