Adult Day Care an Answer for Older Americans?

We know what childcare is. Did you know there is an adult version? Adult Day Care has become a big part of helping older Americans and their families. As more...

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Adult Day Care an Answer for Older Americans?
4 Min Read August 14th, 2018 Updated:December 10th, 2019

We know what childcare is. Did you know there is an adult version? Adult Day Care has become a big part of helping older Americans and their families. As more people require long-term care services and supports, families have had to step in and become caregivers, as many boomers failed to plan for the financial costs and burdens of aging. 

As more spouses or adult children try to be a caregiver, they become overburdened quickly. Older spouses, often women, are not physically able to be caregivers. Being a caregiver also impacts their own independence and quality of life. Adult children have their own careers and family responsibilities. These are very hard to juggle.

Just Drop Off Mom Or Dad in the Morning

Here comes adult daycare. You drop off Mom or Dad in the morning and pick them up in the evening. The use of adult daycare centers reduces the burdens of caregiving as the person requires less attention at night when sleeping then they may need during the daytime. This also allows a person to stay in their own home longer and avoid a facility on a full-time basis. 

Programs typically provide transport, meals, supervised activities, and more. In some cases, they can provide help for those with significant care needs like dementia, incontinence, diabetes, or mobility issues. 

The official name for this type of facility is “adult day health centers (ADHCs).” Many also offer health monitoring, physical therapy, added security to prevent wandering, toileting assistance, and even bathing. Most ADHCs have a nurse on call or on the premises to administer medications as well.

These ADHCs are very affordable when compared to other costs of long-term care services. 

Long-Term Care Insurance Provide Comprehensive Benefits Including ADHCs

If a person owns a Long-Term Care Insurance policy, they should have benefits for this type of care. Most policies will pay benefits for adult daycare.

Advance planning will make getting older easier for you and your family. Long-Term Care Insurance pays for all types of long-term care services, including care at home, ADHC, assisted living facilities, memory care, and the traditional nursing home. With an advance plan, you have the resources to not only protect your savings but help your family deal with your situation. Caregiving and even managing your future care is hard. Paid care is not cheap and not only drains assets but adversely impacts the lifestyle of the other spouse.

Prepare Your Family and Finances Well Before You Retire

It is best to start your planning before you retire so you can take advantage of low premiums, more options, and preferred health discounts. Crisis management is never ideal. An advance plan will give your family the gift of time ... time to be family. Start by finding the cost of care in your area both today and in the future by using the LTC NEWS Cost of Care Calculator.

Many states offer special policies called “Partnership” certified Long-Term Care Insurance plans. Partnership Long-Term Care Insurance is a partnership between the government, an insurance company, and the consumer giving the policyholder “dollar-for-dollar” asset protection if you own one of these qualified plans. These policies include inflation benefits and other features and are very affordable.

Long-Term Care Insurance is underwritten based on your health history. This includes the medications you are taking and other factors. Every  insurance company has different rules. You will have to answer questions to get an accurate quote.

Use a LTC Specialist to Get Accurate Quotes and Recommendations

Most insurance agents and financial advisors have little or no experience in these products, their uses, the underwriting criteria, policy design, and claims. To make it much easier and more simple, use a qualified Long-Term Care Insurance specialist. They are essential to make sure you do not spend too much money or over-insure. 

Find a trusted and qualified specialist to assist you and your family.

The fact is we are all getting older. With aging comes the need for help with normal living activities or even supervision due to memory problems like dementia or even Alzheimer’s. Enjoy the peace-of-mind knowing your family will not be forced into crisis management.

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About the Author

An LTC News author focusing on long-term care and aging.

LTC News Contributor James Kelly

James Kelly

Contributor since August 21st, 2017

Editor's Note

For many families, the cost of long-term health care is simply not affordable. Other families may have the money, but the financial impact on their lifestyle and legacy is something they do not wish to endure. 

Long-term care can lead to financial hardship, as well as emotional stress. Sometimes, families have to quit their jobs and become caregivers for their older parents. Often families go into crisis mode since to advance plan had been put in place to address the costs and burdens of aging. 

The government does offer limited assistance with long-term care costs. Medicare, for example, does not cover most long-term care. Medicaid, a government program for low-income individuals, does cover long-term care costs. However, eligibility for Medicaid is strict and limited to those with little income and assets, so many people do not qualify.

The high cost of long-term care is a major issue for families and finances. As the population ages, this issue is only going to become more pressing. It is important to start planning for long-term care costs as early as possible. This will help to ensure that you are prepared for the financial and emotional challenges that may come with caring for an aging loved one.

Here are some tips for planning for long-term care costs:

  • Start planning early. The sooner you start planning, the better off you will be. Your current health and family history play a large role.
  • Consider Long-Term Care Insurance. LTC Insurance helps to pay for your choice of quality care and is affordable, especially if you have good health and you obtain coverage in your 40s or 50s. 
  • Talk to a qualified Long-Term Care Insurance specialist. YA specialist will help you create a plan design as part of a comprehensive retirement plan. Plus, they will shop all the top companies to match you with the best coverage at the lowest cost. You will be able to review accurate quotes from all the leading companies. 

Starting to plan early can help to ensure that you are prepared for the rising cost of long-term health care before the crisis starts.

Available Resources on LTC NEWS 

Numerous resources on LTC NEWS are available to help you in your research: 

Get Parents Quality Care When They Need It

LTC NEWS has teamed up with Amada Senior Care to provide you with free - no cost or obligation Long-Term Care Insurance claim processing and case management - Filing a Long-Term Care Insurance Claim.

If a loved one needs in-home care, whether they have LTC Insurance or not, Amada may be your choice for quality care options. If your loved one is lucky enough to own a Long-Term Care Insurance policy, be sure they use it. Sometimes families wait, thinking they can save the benefits for a rainy day. Waiting to use Long-Term Care Insurance benefits later is not a wise idea. 

LTC NEWS has these comprehensive guides to help you in your process:

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You can submit your press release - newsroom@ltcnews.com  

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