Long-term-care insurance

For seniors, the benefits of aging at home are undeniable. The comfort and independence home provides can be one of the greatest assets to an aging senior’s health. But aging in place can be difficult if a senior’s needs are not being met, leaving families questioning the safety and happiness of their loved one and provoking stress and added anxiety. Fortunately, there are many ways to support seniors aging at home and ensure they remain happy and independent for as long as possible.

To help ensure that a senior’s needs are being met, think about the kinds of support and the level of care a senior might need. Since everyone’s circumstances are different, it’s important to discuss health factors and living accommodations before making any final decisions about aging in place. For seniors who choose to age in place, the underutilized support offered by in-home care services can be the best option for seniors seeking comfort and happiness at home.

Photo by Andrea Piacquadio from Pexels

The Value of Aging In Place

The emotional value of having your own home is a significant motivating factor for many older adults. It also has a substantial impact on an elderly adult’s quality of life. When seniors age in place, they feel motivated and are happier within their familiar surroundings— Adding continuity and feelings of safety when going about their daily schedules and routines. However, as we continue to age, daily life can become full of frustration and anger as once more straightforward tasks are harder to accomplish. But if a senior aging in place enlists the help of another family member or in-home health caregiver, they can receive help and support while still maintaining more of their independence.

Seniors who age at home also benefit from less overall exposure to illness. Unlike an elderly person’s home, senior living communities tend to spread illness more rapidly. This is because of the increased number of people in proximity to each other. If illness strikes, seniors aging in place can choose their level of cautiousness when going out into the community while also having the benefit of knowing their in-home care specialist will be there for them if needed.

Why Seniors and Family Caregivers Choose In-Home Care Options

Plain and simple, in-home care can be customized to fit many non-health-related needs. Not to mention, in-home care offers a variety of benefits for different kinds of people— Whether for healthy aging, managing a chronic illness, recovering from surgery, or living with a disability.

Home caregivers can provide elderly adults with help and support with many personal and caregiving needs including:

  • Help with nutritious meals
  • Local transportation/errands
  • Medication reminders
  • 24-Hour care
  • Cognitive and social stimulation
  • Assistance with activities for daily living

In-home care provides a wide range of services and is customized depending on a senior’s wants and needs. Remember that it’s always important to hire an in-home caregiver that can provide the necessary type of care before making any concrete decisions.

A Healthy and Safe Environment

It’s not uncommon for a senior’s home to need modifications to provide a safe and manageable living environment. With the help of an in-home care specialist, seniors benefit from comfort and customization to create a safe, healthy environment.

Depending on a senior’s level of care, lifestyle, and personal or health needs, creating a safe living environment at home can be reasonably inexpensive. Traditional measures taken to develop an age-friendly home may include:

  • Use of non-slip flooring
  • Installation of a curbless shower
  • Replacing narrow doorways to at least 36’’
  • Better outdoor lighting

The available options for senior home care modifications and equipment are generally easy to come by and are often readily available.

According to AARP, about one-third of homeowners expected their homes to need significant modifications to accommodate aging needs. Around 24% of adults aged 50 or older said they planned to relocate rather than change their existing homes. But the choice to add additions to a home, plan big home improvement projects, or downsize to a new home to fit your needs is a highly personal one. Whatever options a senior or family caregiver chooses, remember that safety is always a priority to age safely at home.

Respite For All

Families caring for aging loved ones often struggle to balance work, family responsibilities, and caregiving duties. Adult Day Care programs are an excellent opportunity to provide respite for family caregivers and a fun, engaging, safe place for seniors to spend some time during the day. Adult Day Care facilities are great places for seniors who require assistance with activities of daily living during the daytime hours. While at respite, seniors are provided meals and offered numerous recreational activities, returning home in the afternoon or evening. In addition, many adult day centers specialize in providing care for seniors with Alzheimer’s or other types of Dementia. While a loved one is away on respite, family caregivers can get some rest of their own by running errands, performing some self-care, or attending a caregiver support group.

An Affordable and Content Quality of Life

No matter how a loved one ages in place, the cost of living at home is significantly lower than that of other senior living arrangements. After all, if you are living comfortably, safely, and healthy at home, moving to a facility is an unnecessary burden. If you’re not sure about your financial options for in-home care costs, some funding options available from companies similar to Aspen Senior Care for caregiver services are:

Long-term care insurance – If you have a long-term care insurance policy, it will often pay for the care provided by Aspen Senior Care. Since each policy is unique, please talk with your insurance company to verify coverage. Aspen Senior Care has a Long-Term Care specialist in the office and can help you file your claims.

VA Pension Benefit – Veterans who qualify can get a monthly pension to help pay for our services in some states.

Private Pay – Companies like Aspen Senior Care accept personal and business checks as well as cash, debit and credit cards.

To learn more about in-home care services and other common questions, visit Aspen Senior Care’s FAQ page.

In-home care is an invaluable asset to seniors wishing to age in place. For more information on the value of home care for seniors and other helpful resources on healthy aging, see these resources below:

— Aspen Senior Care Contributor

Has your loved one recently transitioned into the care of a hospice agency? While a hospice agency may alleviate some of your caregiving duties, you may notice that additional support in the home would be beneficial. This is where enlisting the help of a personal care agency may be the perfect solution.

Personal care agencies like Aspen Senior Care often get confused with hospice care, but they aren’t the same. It’s important for families caring for elderly loved ones to know the difference and how both agencies complement each other.

What is the difference?

Personal care services provide one-on-one non-medical support in a person’s home which allows them to stay safely at home while under the care of a professional caregiver. Professional caregivers provide assistance 24/7 with activities of daily living, personal care, companionship, night care, and respite care for family caregivers. It is customized care to fit the needs and desires of the person and their family. This type of care is usually paid privately and/or by long-term-care insurance.

The purpose of hospice is to provide the highest quality of medical care and comfort to those who are chronically ill, terminally ill, or seriously ill and to relieve or lessen the discomfort they may experience. This may include medical care to alleviate pain, counseling and grief support for the patient and their family. In most cases, hospice care for seniors is covered by Medicare and includes several 1-hour visits per week by CNA’s, nurses, and other professionals.

How do they work hand-in-hand?

Personal care companies like Aspen Senior Care provide a few of the same services that hospice agencies provide, plus a lot of services they do not provide. When hospice care sends a CNA 2 to 3 times a week for an hour to help with bathing, personal care agencies like Aspen Senior Care can fill in the gaps and provide consistent care and peace of mind 24/7. Hospice care provides a nurse to visit each week to answer medical questions and help stay on top of pain. Personal care agencies provide trained caregivers who can be there day and night to provide encouragement, reduce loneliness, and give extra assistance as needed. Both agencies usually work together to ensure their patients’ needs are met.

Personal care agencies 24/7 services include:

  • Shower assistance
  • Hygiene care
  • Medication reminders
  • Homemaking
  • Meal planning and preparation
  • Light housekeeping
  • Errands and transportation
  • Alzheimer’s and dementia care
  • Peace of mind for all involved

The most important thing to remember is that both of these agencies are on your side. They want to provide the best care for your loved one, and working hand-in-hand with one another provides the best support across the board. If your loved one is in need of hospice care services and you feel they would benefit from additional care and assistance, don’t hesitate to call on a good personal in-home care agency in your area.  

Learn more about Aspen Senior Care by calling 801-224-5910.

What is long-term-care insurance?

Long-term care insurance covers a range of supportive services (medical and non-medical) that an individual may need when they are no longer able to perform many day-to-day activities or tasks on their own. Activities of daily living, commonly known as ADL’s, include tasks such as feeding, bathing, toileting, dressing, or transferring from a bed to chair.

Additionally, long-term-care covers services that may help individuals with other everyday essential tasks. These supportive tasks include medication reminders, house cleaning, errands, and meal preparation.

LTC covers care services whether it be in the individual’s own home or in a facility. Who provides care may depend on the individual’s needs, but many times can come from a family caregiver, a homecare company, an adult day service, or a facility.

How do you know if long-term-care insurance is right for you?

Photo courtesy of Pixabay(skeeze)
Photo courtesy of Pixabay(skeeze)

LTC may be right for you if:

  • You want to be able to pay for your own care when it is needed down the road.
  • You like the idea of being independent as long as possible.
  • You are able to afford the premiums and have a good income and amount of assets.

LTC may NOT be right for you if:

  • You have a limited amount of income or assets.
  • You struggle paying for day-to-day necessities such as housing, rent, food, medications, etc.
  • Your only income is through a Social Security benefit or SSI (Supplemental Security Income) and you can’t afford the premiums.

Companies like Aspen Senior Care, an in-home personal care agency, want to help make sure seniors get the most bang for their buck. Cindy Harris, a LTC Claim Specialist with Aspen, says that many people don’t utilize their long-term-care options as well as they could.

“My job is to work with LTC insurance companies and get them to pay claims on our clients’ behalf,” says Cindy. “That way they get the full care they need and don’t have to worry that they won’t get the coverage they’ve paid for!”