Advances in medical science have increased longevity. The problem is if you don't die, you live. When you live, you age, and aging issues mean a high risk of needing long-term care services.
This means an older spouse or adult daughter or daughter-in-law becomes a caregiver in addition to their own career and family responsibilities. 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 of 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. For people without Long-Term Care Insurance, the problem of caregiving either will drain a family's savings or falls to an older spouse or adult son or daughter to become a full or part-time caregiver.
The FDA Provides Seven Tips for Caregivers
Keep a List of Medicines for Each Person You Care For
The list should include over-the-counter medicines, dietary supplements, vitamins, and herbs. Keep this list with you at all times. Bring this list to doctor visits. Remember to ask any questions you may have. Read more here.
Give the Right Amount of Medicine.
Ask the healthcare 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 medicines 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 not give to 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 back up 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.
Older adults often have more health problems that need daily care. It is important to talk to a doctor about safe medication use. Ask about foods and other products that should be avoided.
- Healthy Aging Tips for Women
- Food Safety for Older Adults
- Medicines and You: A Guide for Older Adults
Often a family caregiver faces their own health issues due to the stress and time required. No matter the caregiver's age, if you find yourself in that position, paying attention to your own health is critical for you and your family.
When caring for someone else, it is easy to forget your own needs. 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. Read important tips on a variety of health topics.
- Learn how to manage caregiver stress.
As more men enter this stereotypically female sphere, it is important 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 offer these 13 tip to make the role of a caregiver easier on everyone - just click here.
One of the most critical parts of your own retirement plan should be addressing your own future aging concerns so you limit the impact on your spouse and children. Since long-term care will impact you, your family, your savings, and your lifestyle, addressing the financial 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.
Most states offer partnership programs that allow you to have 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: www.ltcnews.com/resources/states
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.
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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