If you have had a recent visit with an aging parent, it may be difficult to know where to start in your decision-making. Perhaps home health is a short-term care option. Here is a brief list of questions regarding long term care options. This information is also available in our ebook, Solutions: The Empowered Senior Care Search,  along with important information on financing care for your aging parent.

Questions to Consider for Choosing Care for Your Aging Parent:

1.  What is your loved one's functional status? ( Level of Care)

2.  What location has the best access to Mom or Dad's Needs?

3.  Who will be our family's key decision-maker? ( for financial decisions, for health care decisions)?

4. What is your loved one's financial situation?

5. What coverage is available for our situation?

6. How long will mom and dad be able to stay in this level of care? ( how many moves might be ahead of us?).

 

Table One: Long-Term Care Settings for Seniors:

Home - With Private Caregivers or Home Health Agency Assistance

Independent Care Community - For higher functioning seniors , includes meals, transposrtation, and some care.

 Assisted Living Facility -  For seniors with care needs, includes meals and help with activities of daily living.

Nursing Facility -  For seniors with higher care needs with a nurse on duty 24-hours per day.

Continuing Care Retirement Community -  Often has all levels of care available so you never have to move. You will pay a lump sum up front.

 

 Table Two: Financing Care for Your Aging Parent:

Medicare:   Short-term, based on medical condition.

Medicaid:    Long-term, based on financing.

Veteran's Benefits:   Short of long-term, based on service.

Long-Term Care Insurance:   Can apply in a variety of situations.

Private Pay:   Applies in all settings. There are many ways to maximize

 

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 This website is intended for informational purposes only: Not legal advice