7 Benefits of Companionship for the Elderly

October 18, 2024

Companionship is a crucial yet often overlooked aspect of caregiving that plays a significant role in the well-being of individuals receiving care. In an industry primarily focused on physical health and medical needs, the emotional and social components of care are vital for holistic well-being. Here’s why companionship matters in the caregiving industry and how it can enhance the quality of life for those in care.

Emotional Support

Companionship provides emotional comfort to individuals who may feel isolated or lonely. For many seniors and patients with chronic illnesses, companionship can alleviate feelings of depression and anxiety. A caregiver who engages in meaningful conversation, shares a laugh, or simply listens can help foster a sense of connection that is essential for emotional health.

Enhanced Quality of Life

Individuals receiving care often face limitations in their daily activities, which can lead to a sense of loss or frustration. Companionship helps restore a sense of purpose and joy. Caregivers who take the time to engage in hobbies, participate in games, or even enjoy a walk together contribute to a richer, more fulfilling life for their clients. This enhancement in quality of life can lead to better overall health outcomes.

Improved Mental Health

The benefits of companionship extend beyond emotional support; they also impact cognitive health. Social interaction is known to stimulate cognitive function and reduce the risk of cognitive decline. Engaging in conversations, playing memory games, or simply sharing stories can keep the mind active and engaged, which is particularly beneficial for older adults.

Trust and Rapport

A strong caregiver-client relationship built on trust and companionship can lead to more effective care. When clients feel comfortable with their caregivers, they are more likely to communicate their needs and preferences. This open line of communication fosters a collaborative approach to care, ensuring that the individual’s wishes are respected and met.

Reduction of Caregiver Burnout

The caregiving profession can be emotionally and physically demanding. When caregivers prioritize companionship, they may find their roles more rewarding and less isolating. Building relationships with clients can provide caregivers with a sense of purpose, reducing feelings of burnout and increasing job satisfaction. This dynamic creates a positive feedback loop where both caregivers and clients benefit from companionship.

Encouragement of Independence

Companionship can empower clients to maintain a degree of independence. Caregivers can encourage individuals to participate in activities they enjoy or support them in pursuing new interests. This encouragement helps clients feel valued and capable, which can significantly enhance their self-esteem and overall outlook on life.

Social Engagement

For many individuals, especially seniors, social engagement can decline due to mobility issues or the loss of peers. Caregivers can help bridge this gap by facilitating social interactions, whether through group activities, community events, or simply spending time together. This social stimulation is crucial for maintaining emotional and mental health.

Companionship is an essential component of caregiving that extends beyond the basics of physical care. It fosters emotional support, enhances quality of life, and promotes mental well-being for both clients and caregivers. As the caregiving industry continues to evolve, it is vital to recognize and prioritize the importance of companionship in delivering holistic, compassionate care. By doing so, we can ensure that individuals receiving care not only live longer but also live better.

The Vital Role of Caregivers in Aging in Place

October 11, 2024

As our loved ones grow older, the desire to maintain independence and continue living in familiar surroundings becomes paramount. Aging in place—the ability to live in one’s own home safely, independently, and comfortably—has become a focal point for many seniors and their families. Central to this goal is the crucial role of caregivers, who provide personal care that enhances quality of life and supports aging in place.

Aging in place refers to the ability of older adults to remain in their homes while receiving the support they need. This concept emphasizes not only the physical aspect of staying in one’s own environment but also the emotional and psychological benefits of familiarity and independence. Studies show that seniors who age in place often experience lower rates of depression and anxiety, as well as improved overall well-being.

The Importance of Personal Care

Home health aides play a crucial role in personal care by assisting individuals with daily activities that promote their well-being and independence. They provide essential services such as bathing, grooming, dressing, and meal preparation, ensuring that clients maintain their hygiene and nutrition. 

Promote Independence

One of the primary goals of personal care is to promote independence among seniors. Caregivers empower older adults by assisting them in their daily routines while encouraging autonomy. For instance, a caregiver might help a senior with mobility issues prepare meals, but they might also encourage the senior to participate in the cooking process as much as possible. This balance fosters confidence and self-sufficiency.

Safety and Well-Being

Safety is a critical concern for seniors living alone. Caregivers play a key role in identifying and mitigating potential hazards in the home, such as clutter, poor lighting, and fall risks. They can also monitor the senior’s physical and emotional health, alerting family members or healthcare professionals if there are any concerning changes. This proactive approach not only ensures immediate safety but also promotes long-term well-being.

Family Support and Peace of Mind

Caregivers often serve as a vital link between seniors and their families. Many adult children worry about their parents living alone, and having a caregiver can provide reassurance. Regular updates from caregivers about a senior’s condition can alleviate anxiety and allow family members to focus on their own lives, knowing their loved ones are receiving the support they need.

The Economic Perspective

From an economic standpoint, aging in place can be significantly less costly than nursing home care or assisted living facilities. Providing personal care in the home can help families manage expenses while ensuring that seniors receive tailored support. Additionally, programs that promote aging in place often save healthcare costs in the long run, as staying at home can lead to fewer hospitalizations and a better quality of life.

In summary, the role of caregivers in helping seniors age in place cannot be overstated. Through personal care, caregivers enable older adults to maintain their independence, safety, and dignity. As the population ages, it is essential for families and communities to recognize the invaluable support that caregivers provide. By investing in personal care services, we can help ensure that our loved ones continue to thrive in the comfort of their own homes, enhancing their quality of life and fostering a more supportive environment for aging.

Online Scams Targeting Senior Citizens: A Guide to Protecting Your Loved Ones

September 13, 2024

While I was with an elderly client recently, she got a text from what seemed like the US Postal Services telling her that her package couldn’t be delivered because of an incomplete address. She proceeded to fill out the form while I looked on the internet if this was a type of scam. Sure enough, my spidey senses about the text were correct because I found articles online that this was all a scam. Just as I was telling my client about this, the online form was asking for her credit card information to pay for the 23 cent “balance” for the package. I told her not to fill out the form any further and to ignore the text message. I explained how it is all an attempt to steal her credit card information.

In our increasingly digital world, online scams have become more sophisticated and pervasive, posing significant risks to people of all ages. However, senior citizens are particularly vulnerable due to various factors such as limited technological experience, lack of familiarity with online threats, and sometimes a higher degree of trust in others. To help protect our elders, it's crucial to understand the common online scams that target them and to know how to guard against these deceitful schemes.

1. Phishing Scams

Phishing scams involve fraudulent emails, texts, or websites that appear to be from legitimate sources, such as banks or government agencies. The text that my client got is a type of phishing scam. These scams aim to trick individuals into revealing personal information like Social Security numbers, credit card details, or login credentials. Seniors may receive emails claiming their bank account has been compromised or that they need to update their information to avoid penalties.

Protection Tip: Always verify the sender’s email address and avoid clicking on links or downloading attachments from unsolicited messages. Contact the organization directly using a verified phone number or website if you have any doubts.

2. Tech Support Scams

In tech support scams, scammers pose as technical support representatives from well-known companies like Microsoft or Apple. They claim that the victim’s computer has a virus or a problem and then offer to fix it remotely. Once they gain access to the computer, they may steal personal information, install malicious software, or demand payment for their "services."

Protection Tip: Reputable tech companies do not initiate unsolicited contact. If you receive a call or pop-up message claiming to be from tech support, hang up and contact the company directly using a trusted phone number or website.

3. Online Dating and Romance Scams

Online dating scams involve scammers creating fake profiles on dating sites to build relationships with seniors, often with the goal of defrauding them. After gaining the victim’s trust, the scammer may fabricate a crisis or request financial assistance, promising to repay or meet in person. This type of scam takes advantage of the elderly who often feel lonely and isolated. I personally know an elderly friend whose life savings were depleted by their online “boyfriend” after she unwittingly trusted him with her bank account information.

Protection Tip: Be cautious about sharing personal information with individuals met online. If someone you’ve just met online asks for money or expresses urgent financial need, it's likely a scam.

4. Lottery and Prize Scams

In these scams, seniors receive notifications claiming they've won a lottery or prize but must pay a fee or provide personal information to claim it. Scammers often use legitimate-looking documents or websites to make their claims seem credible.

Protection Tip: Legitimate lotteries and contests do not ask winners to pay fees upfront. If you receive such a notification, it’s a red flag. Verify the claim through official channels before taking any action.

5. Charity Scams

Scammers exploit the goodwill of seniors by posing as representatives of charitable organizations. They may create fake websites or send convincing emails or letters requesting donations for fake causes, particularly in the wake of natural disasters or crises.

Protection Tip: Before donating, research the charity to ensure it is legitimate. Use established charity evaluators or contact the charity directly through their official website.

6. Investment Scams

These scams promise high returns on investments with little risk. They often involve opportunities in areas like real estate, cryptocurrencies, or precious metals. Seniors may be targeted due to their retirement savings or perceived financial stability.

Protection Tip: Be wary of unsolicited investment offers and too-good-to-be-true promises. Consult with a trusted financial advisor before making any investment decisions.

7. Impersonation Scams

Scammers impersonate family members or friends and claim to be in urgent need of money due to an emergency. They may use phone calls, emails, or social media to create a sense of urgency and pressure the victim into sending money quickly.

Protection Tip: Verify the identity of anyone claiming to be in distress by contacting them directly through a known phone number or other trusted means. Avoid sending money based on emotional appeals alone.

8. Subscription and Service Scams

In these scams, seniors are tricked into signing up for unnecessary or fraudulent services and subscriptions. Scammers may use deceptive tactics, such as offering free trials that automatically convert into paid subscriptions or charging hidden fees.

Protection Tip: Carefully review all terms and conditions before agreeing to any service. Monitor bank statements regularly for unauthorized charges and dispute them promptly.

9. Online Shopping Scams

Fraudulent online retailers offer products at unusually low prices or promote exclusive deals. Once seniors make a purchase, they may receive counterfeit items, nothing at all, or find their financial information misused.

Protection Tip: Shop only from well-known and reputable online stores. Research unfamiliar sites and read reviews before making any purchases.

Awareness and education are key to preventing online scams targeting senior citizens. By understanding these common scams and implementing protective measures, seniors can enjoy the benefits of the internet while safeguarding their personal and financial information. Families should also engage in open discussions about online safety and encourage seniors to be cautious and vigilant in their online activities.

What the Elderly Care Industry Can Learn from the Tech Industry

August 19, 2024

I worked in the tech industry as a Software Engineer and then a Software Engineering Manager for several years. Moving to the elderly care industry has opened my eyes to some of the things that this industry can adopt from the tech industry. The elderly care industry is at a critical juncture, grappling with the dual challenges of an aging population and the need for more personalized, efficient care solutions. As it seeks to adapt and evolve, there is much to be gained from examining the practices of the tech industry, known for its rapid innovation, user-centric designs, and data-driven strategies. Here’s how the elderly care sector can harness lessons from the tech world to improve its services and outcomes.

1. Embrace Technological Innovation

The tech industry thrives on continuous innovation, constantly pushing boundaries to deliver smarter, more effective solutions. Elderly care can benefit from adopting a similar mindset. Integrating advanced technologies such as artificial intelligence (AI), machine learning, and the Internet of Things (IoT) can revolutionize how care is delivered. For instance, AI can assist in predicting health issues before they become critical, while IoT devices can enable real-time monitoring of vital signs, enhancing the ability to provide timely interventions.

2. Focus on User Experience

Tech companies prioritize user experience (UX) to ensure their products are intuitive and accessible. This principle is equally crucial in elderly care. Many older adults may struggle with complex interfaces or devices. By designing user-friendly technology, such as simplified health monitoring systems or voice-activated assistants, the elderly can interact with these tools more easily, leading to better engagement and adherence to care plans.

3. Leverage Data for Personalization

Personalization is a hallmark of the tech industry, where data is used to tailor products and services to individual needs. Similarly, the elderly care sector can use data analytics to provide more personalized care. By analyzing data from health records, wearable devices, and even social interactions, caregivers can gain insights into an individual’s preferences, needs, and health patterns. This approach allows for customized care plans that address specific requirements and improve overall quality of life.

4. Promote Remote Care Solutions

The tech industry has made significant strides in remote communication and collaboration tools. In elderly care, remote solutions can be transformative, particularly for individuals who may be isolated or have mobility issues. Telehealth services, remote monitoring, and virtual consultations can bridge the gap between patients and healthcare providers, offering convenient and efficient care options. This not only helps in managing chronic conditions but also reduces the need for frequent hospital visits.

5. Enhance Training and Support

Tech companies often invest heavily in training and support to ensure their products are used effectively. The elderly care sector should adopt a similar approach by providing comprehensive training for caregivers and staff on new technologies and systems. After speaking with dozens of caregivers and other home care owners, I have found that most caregivers are still not well-versed at using newer technologies, like a phone app, to do sign-in/out and care documentation. This is a large gap in efficiency due to a lack of caregiver training in newer technologies that can make everyone’s job a little easier.

Ongoing support and education can empower caregivers to utilize tools effectively, leading to improved care delivery and better outcomes for the elderly.

6. Foster Collaboration and Ecosystems

In tech, collaboration is key, with companies often partnering to create integrated ecosystems. The elderly care industry can benefit from fostering similar collaborations between technology providers, healthcare professionals, and caregivers. By working together, these stakeholders can develop integrated solutions that address multiple aspects of elderly care, from health monitoring to social engagement, creating a more cohesive and effective care environment.

7. Address Privacy and Security Concerns

As tech companies handle vast amounts of sensitive data, they invest heavily in security measures. In elderly care, protecting patient data is paramount. The industry should adopt robust data protection practices, ensuring that personal health information is safeguarded against breaches. Implementing strong security protocols not only complies with regulations but also builds trust with patients and their families.

8. Encourage Innovation and Feedback

Tech companies often foster a culture of innovation and actively seek user feedback to drive improvements. Similarly, the elderly care sector should encourage innovation from within and solicit feedback from both patients and caregivers. This approach can lead to the development of new solutions that better meet the needs of the elderly and improve the overall care experience.

The elderly care industry stands to gain significantly from the tech industry's emphasis on innovation, user experience, data-driven personalization, and security. By adopting these practices, the sector can enhance the quality of care, improve operational efficiency, and ultimately provide a better quality of life for the elderly. As technology continues to advance, embracing these lessons will be key to creating a more effective and responsive elderly care system.

Bradley Cooper Producing New Documentary Called “Caregiving”

July 23, 2024

Bradley Cooper, the multiple Oscar nominee, actor, director, producer, writer, is producing a new documentary called “Caregiving” which will feature a diverse group of caregivers with different experiences and backgrounds. This documentary will highlight the personal stories of caregivers, their struggles and triumphs, their impact and sacrifice. Cooper produced and starred in the hit movies A Star is Born and Maestro. It’s refreshing to see a respected person in the film industry calling attention to such an important and under-represented subject.

This topic is personal for Cooper because he was a caregiver for his father, Charles J. Copper, who passed away from lung cancer in 2011. He wants to bring the discussion of caregiving to the forefront of conversations and to help make the voices of caregivers be heard.

With the demand for caregivers rising as baby boomers age and life expectancy increases, it’s about time we raise the banners for our caregivers.

You can watch the Caregiving sizzle reel here. The documentary is scheduled to be released in Spring 2025.

How to Talk With Your Loved One About Home Care

June 26, 2024

It might be difficult to start the conversation with a loved one about their need to get a caregiver. Understanding why it is a sensitive topic and doing some preparation will make this process a little bit easier.

Here are a few reasons preventing you or them from breaching this topic:

• They may be in denial about getting older and needing some help.

• They may not know the benefits of having a home caregiver.

• They may be averse to making changes in their lives.

• They may be worried about the cost.

• They may be hesitant to have a “stranger” come into their home.

There are many more reasons not listed here and understanding how they feel is the first step you need to take. Consider that they may be feeling some or all of these normal concerns. Then, contemplate on the following tips for before, during and after your conversation with your loved one:

Before:

• Do your research.

How can you or your loved one benefit from having a caregiver? Knowing this can help you make a compelling case when talking to them. 

• Frame your message.

  You don’t want your loved one to be on the defensive. So it’s important to highlight your concerns for their safety and well-being instead of making them feel like they’re losing the ability to care for themselves.

• Find support.

You can enlist the help of another trusted family, friend or even a doctor. It may be beneficial to hear from another person.

• Practice.

Go over what you plan to say and practice with another person. Anticipate your loved one’s response or the questions you may get from them, and prepare your own response.

During:

• Make it a conversation.

Present your thoughts and listen to what they have to say. Address their concerns and promise to get the answers to the questions you don’t know how to answer. 

• Focus on the positives.

Remember to highlight the benefits of getting a caregiver. Lean on the research you’ve done. Again, don’t forget to address their concerns.

• Call on your support person.

If you need to, get your support person to help back you up. Just make sure that your loved one doesn’t feel like you are uniting against them.

After:

• Follow up.

If they had questions you couldn’t answer, make sure to find the answer and follow up with your loved one.

We hope that these tips can help you navigate this difficult dialogue and that you remember to do this with empathy and understanding. Do not hesitate to call us at Light and Life Home Care if you need any assistance.

Interesting Survey Results on Long-term Care Services and Support

The Kaiser Family Foundation (KFF) conducted a survey on 1,573 adults in the U.S. in May 2022 to gather sentiments regarding long-term care services and support for older adults and people with disabilities who require assistance with activities of daily living.

Here are some of the interesting findings from this survey:

• Fewer than half of adults (43%) say they have ever had a serious conversation with a loved one about who will take care of them if they need help with daily activities in the future.

• Even fewer (39%) have talked about how the cost of such care would be paid for.

• Four in ten adults (43%) say they are not confident that they will have the financial resources to pay for the care they might need as they age.

• Only 28% of adults ages 50-64 say they have set aside money that could be used to pay for future living assistance expenses. 

• Only 48% of adults 65 and older say they have set aside money that could be used to pay for future living assistance expenses. So more than half in this age group has not put any money aside for this.

• Nursing home costs are estimated to be $100,000 for one year on average in the U.S. Compared to the estimated $60,000 for one year assistance for in-home care.

• Medicare coverage of long-term care is limited. Medicaid is the main source of coverage for these services. Four in ten adults incorrectly believe that Medicare is the primary source of nursing care or home care coverage.

• Almost half (45%) of adults who moved into a long-term care facility, or had their loved one move into one, say they encountered unexpected costs for things they thought were included but were added on as extra charges by the facility.

• About half of adults (51%) found it difficult to find nurses or aides to help with everyday activities. Compared to 61% who found it difficult to find a facility to meet their or their loved ones needs.

• More people are satisfied with the quality of care they received from in-home care versus long-term facility care. Only 68% of adults with personal experience or sufficient knowledge of a loved one’s time in a long-term care facility is “somewhat” or “very” satisfied with the quality of care they received, compared with 78% of those who used in-home care that are satisfied with the quality of care they received from a nurse or aide.

• More people are satisfied with the cost of care of in-home care versus long-term care facilities. 63% of adults having experience with in-home care versus 48% of adults having experience with long-term care facilities.

Source

Uber Caregiver Supporting the Caregiving Community

May 28, 2024

What is Uber Caregiver?

Uber Health is launching Uber Caregiver this summer of 2024 which aims to support caregivers and their loved ones. This service will let care-receivers add caregivers to their Uber profile allowing them to coordinate transportation, grocery delivery, over-the-counter item delivery, and use health benefit cards for payments.

What Services Does Uber Caregiver Offer?

• Transportation - Uber Caregiver will allow users to arrange transportation for appointments. Both caregiver and care-recipient will be able to track their ride in the app, providing some peace of mind and giving caregivers an extra hand in taking care-recipients to where they need to be.

• Grocery and OTC deliveries - caregivers or care-recipients can manage and track deliveries in the app. This will make it easier to ensure that care-recipients can always have what they need delivered to them.

• Utilize health benefits for payments - Some health plans help cover eligible expenses. Uber Caregiver will allow care-recipients to add their health benefits card for payment which streamlines benefit coverages.

How Do You Join?

For now, you can join the waitlist and keep up-to-date on the release of this service.

It is great to see other service industries catching on to the needs of the caregiving community.

Many caregivers and care-recipients alike will benefit from these offerings.

Sources:

• https://femtechinsider.com/uber-health-caregiver-launch/

• https://www.uberhealth.com/us/en/caregiver/

Not All Heroes Wear Capes

May 20, 2024

While attending Mass yesterday, the elderly lady in front of us lost consciousness. Luckily, she was kneeling at the time so she didn’t fall on the floor and simply leaned towards her husband. The husband was calling her name and tried to wake her up. I noticed what was happening and my first instinct was to get help from my mother who was sitting all the way at the other end of our pew. She’s a retired nurse with decades of experience with the elderly and the sick, having worked at a long-term care facility in New York City. She rushed over to help care for the lady, while my husband tried to get the lady in a better position so as not to fall further, and I grabbed my phone to call 911. Thankfully, the lady gained consciousness after a minute or so, and the Emergency Medical Services came to assess her and bring her to the hospital. But this incident made me realize one thing: even though I'm an adult now with 3 kids, I still look towards my mother for help in cases like this. This wasn’t the first time that someone fainted in our vicinity at church.

Heroes are Not Always Calm and Confident

The truth is that I don’t normally seek my mother when my children are sick or when they hurt themselves. Primarily because she panics, her blood pressure rises, and she always looks close to tears when she sees any family member hurt, especially her grandchildren. Somehow, if it’s a stranger who needs help, she acts calmly and knows exactly what to do. It probably makes sense to be more affected by seeing a family member hurt, thereby clouding one’s judgment. The husband of the elderly lady was a good example as he was in shock and mostly in a panic trying to wake her.

I also realized that I felt a little guilty that I couldn’t provide more assistance. The lady was directly in front of me after all, and all I did was ask my mother for help and then call 911 for more help.

Heroes Help other Heroes

This incident made me wonder how many of us become so distraught seeing a loved one hurt or in a medical emergency that our judgment is clouded and we fail to give them the help that they need? How many of us fail to ask for help? And how many of us feel guilty about asking for help? These are all not uncommon, and in fact natural. But if we want to help our loved ones and do something truly heroic, there are 3 main things we can do:

1. Recognize when you need help.

2. Seek and accept the help of others.

3. Release the guilt of seeking help for your loved one. 

These also apply for when your loved one needs a caregiver. It is important to recognize the signs that you need support – read my blog “5 Signs It’s Time to Use a Home Care Provider”. When you assess that you need some assistance, seek for a trustworthy home care service. Do your due diligence finding the help that you need. And lastly, release the guilt of needing to ask for support because you are only trying to do what’s best for everyone. 

We don’t all have to be the hero that we think we need to be. Sometimes we simply need to be the hero that someone needs at that moment in time.

The “Sandwich Generation”

May 13, 2024

What is the “Sandwich Generation”?

The “Sandwich Generation” does not refer to the generation that loves sandwiches. It refers to the group of people, usually in their 40s and 50s, who are responsible for caring for their elderly parents and their own young children. According to the Pew Research Center, in 2022 about 23% of U.S. adults are in this group, sandwiched between the older and younger generations. These multigenerational caregivers are facing struggles that affect not just their own lives and well-being, but also the economy as a whole.

What are the struggles of this generation?

• Financial difficulties

The Sandwich Generation may need to provide financial assistance to their aging parents while still financially supporting their children under 18. They are twice as likely to be struggling financially (36% vs 17%) compared with adults who only care for their own parents. More of them have to leave the workforce because of the added pressure of being caregivers to their parents and young children (72% are employed vs 78% employed parents not caring for an elderly parent). In addition to this, they still have the added stress of saving for their own retirement as they see the financial struggles of their own parents.

• Less Sleep and More Stress

Studies show that these multigenerational caregivers are getting less sleep (at least a half hour less) and often develop chronic stress which can lead to other health issues. The great demands of caring for an elderly parent and young children at the same time can take a toll on their physical well-being.

• Balancing Mental Health

The Sandwich Generation may struggle with family discord as they grapple with making decisions with which other family members do not agree. A common cause of family rift is when adult children have different ideas on how to care for their parents. These multigenerational caregivers may also feel guilty about not having enough time to care for their own parents and their young children at the same time. They may feel anger and resentment about being in this tough situation. These are all normal and valid feelings for someone in such a demanding predicament.

How can we alleviate these struggles?

• Reduce financial difficulties

It is important to discuss finances with parents, children, and siblings. First of all, understand the resources available to support the elderly parent. They may have personal savings, pension, and/or retirement funds. Look into any government support that they are qualified to get. Have a conversation with siblings and other family members about assisting with financial support to care for the elderly parent. For children who are old enough to understand, talk to them about financial responsibility and the value of money.

• Seek help

People in the Sandwich Generation may not always seek the help that they need. Again, it is crucial to speak with siblings and other family members about sharing the load of caregiving. If finances allow, they may also seek to pay for respite care to alleviate the burden of being the primary caregiver.

Joining a support group or seeking help from a counselor are other options to take. Leverage the support from friends and neighbors who are willing to lend a hand. It is not a sign of weakness to accept help from others. If anything, we are stronger when we help one another.

• Manage Stress

There are many ways to manage stress including exercising, writing in a journal, taking a stroll, engaging in a hobby. One might ask: when would I have time to do that? This is why it’s important to invest some time to get (and stay) organized, as well as to seek help, as mentioned above. It is almost impossible to care for multiple people when one self is not well enough, so caring for yourself should be a priority. 

The Sandwich Generation faces many challenges as they care for both their aging parents and young children. As the human life expectancy increases and young adults struggle to leave the nest, the percentage of people falling in this generation will get larger. It is therefore critical to understand their struggles and how to mitigate them.

Sources:

• https://www.investopedia.com/terms/s/sandwichgeneration.asp

• https://www.pewresearch.org/short-reads/2022/04/08/more-than-half-of-americans-in-their-40s-are-sandwiched-between-an-aging-parent-and-their-own-children/

• https://www.pewresearch.org/short-reads/2018/11/29/more-than-one-in-ten-u-s-parents-are-also-caring-for-an-adult/

• https://medicine.umich.edu/dept/psychiatry/news/archive/202212/%E2%80%9Csandwich-generation%E2%80%9D-study-shows-challenges-caring-both-kids-aging-parents

• https://mhanational.org/caregiving-and-sandwich-generation

Ways to Pay for In-Home Care

About 10,000 adults will turn 65 every day until the year 2030 in the U.S. and 7 out of 10 of these people will need long term care. Many of the elderly prefer to hire in-home caregivers so they can stay in their home for as long as possible. This allows them to be in familiar surroundings and gives them a little bit more independence while still getting the care that they need. The median cost of home health aide service in New Jersey is $34 (this varies based on location and type of services). 24/7 care can cost around $5,712 per week, or $24,820 per month. This is a considerable cost for people who have little or no income coming in during their golden years. It is important to explore the ways to pay for in-home care so you can help yourself or your loved one be more prepared. 

Personal Savings

Over 60% of home care services are paid from personal funds. This can be from:

• retirement income

• personal savings

• 401k plan

• pensions

• proceeds from selling a home

• proceeds from selling stocks or bonds

Pooled funds from family members

If personal funds are limited, the children or family members may decide to pool together their resources to help pay for home care. It is important for these family members to sit down and have a conversation about how much each one will be contributing, who will be collecting the funds, and how often to send the money. This will help set everyone’s expectations and avoid miscommunications.

Long-term care insurance

Some people have purchased long-term care insurance policies in advance that can help pay for home care. The current landscape for long-term care insurance has changed considerably in the last few decades. Many of these policies have gotten too expensive and the offerings have changed. If you or your loved one has this, make sure you fully understand what it covers and for how long. 

Medicaid

Medicaid may cover in-home care services for low-income seniors. This may be offered through three different forms: 

• Your state’s regular Medicaid program (classic/original Medicaid) - Every state offers this in one form or another; individuals need to meet eligibility requirements; no waiting lists.

• Home and Community Based Services (HCBS) Medicaid Waivers (Section 1915(c) Waivers) - Each state has different eligibility requirements; qualifying doesn’t mean automatic receipt of benefits; there’s usually a waiting list.

• Section 1115 Research and Demonstration Waivers - states use this to expand Medicaid coverage; may have a waiting list

Since different states have different eligibility requirements and different coverages, it is necessary to understand your own state’s offerings.

Veterans Affairs

Veterans and their surviving spouses can get benefits from the U.S. Department of Veterans Affairs that may pay for in-home care. Eligibility requirements include, but is not limited to the following:

• Be a veteran or spouse of a veteran

• Have a non-service related disability

• Be enrolled in VA health care

• Is unable to perform at least two activities of daily living

• Have served ninety consecutive days active duty, with at least one day during wartime

• Hold an Honorable Discharge status

• Live in an area where the program is available

Personal funds, family members chipping in, long-term care insurance, Medicaid, and Veterans Affairs are just some of the ways that individuals can pay for their in-home care. If you have the benefit of time, it would be wise to consider these options and plan ahead for yourself or your loved one.

Sources:

• https://www.census.gov/library/stories/2019/12/by-2030-all-baby-boomers-will-be-age-65-or-older.html

• https://www.genworth.com/aging-and-you/finances/cost-of-care

• https://www.unbiased.com/discover/banking/cost-of-home-healthcare

• https://www.aarp.org/caregiving/financial-legal/info-2021/understanding-long-term-care-insurance.html

• https://www.medicaidplanningassistance.org/in-home-care/

• https://www.aplaceformom.com/caregiver-resources/articles/pay-for-home-care

Similarities Between Caring for Small Children and the Elderly

I have a 3-year old toddler and I can’t help but notice the similarities between taking care of a toddler and caring for an elderly parent.

Autonomy vs Safety

For both small children and the elderly, there’s a need to balance safety and autonomy. I can prevent my toddler from climbing the rock wall in the playground, but if I do, how would he learn to take calculated risks, and build the strength to do such things, and acquire the confidence when he successfully climbs it? In the same vein, we can tell our parents that they can’t live alone anymore because someone needs to make sure that they don’t slip and fall, or that they take their medications on time or that they eat nutritious meals. But taking away their autonomy can make them defensive or even contribute to the decline of their health. We need to think about how to strike a good balance between autonomy and safety. 

It Takes a Village

We’ve all heard the adage that “it takes a village to raise a child”. What I’ve observed is that we should say the same about taking care of our elderly. When this responsibility only falls on one primary caregiver, it takes a toll on that person’s physical and mental health. We have a responsibility to help care for our elderly and this can be in the form of volunteering at our local aging centers or dropping by to visit an elderly neighbor.

May Need to Hire a Caregiver

Every parent or parent-to-be knows that eventually they will have to hire a nanny or find a daycare for their child so they can go back to work. Most of them start looking for these resources before the baby is born. And yet, we are usually blindsided when the need arises to find a caregiver for our elderly loved ones. As a result, we struggle to know our options or to even know where to start looking. In addition, we are unprepared for the financial impact of elderly care. It’s important to consider the potential need to hire a caregiver, not just for our children but for our elderly loved ones.

Lack of Government Financial Support

Unfortunately, in the United States, we don’t get enough financial support from the government to fund the care of our children or our elderly. Florida, Oklahoma, Vermont, and the District of Columbia are the only states that enroll all 4-year-olds in free preschool programs. Several states offer some form of free pre-school, but programs may have limited entry, fewer days per week, or may not cover the full cost of tuition. And what about care for children ages 0 to 3? Government funding is just as limited for elderly care. Medicare and most health insurance plans don’t cover long-term care. As a result, caring for our children and our elderly can take a financial toll on individuals. 

There are many more similarities between caring for our children and our elderly but these are the ones that stand out to me the most. They’re also the ones that arguably require the most thought and consideration.

Let’s take care of each other.

Here’s my toddler enjoying a little bit of autonomy at Ikea.

5 Signs It’s Time to Use a Home Care Provider

It’s stressful to witness the decline of your loved one’s autonomy. Sometimes, we may be in denial about whether it’s time to get them a part-time or full-time caregiver. How do you know when that time has come? Here are 5 signs to help you decide, and the questions to ask yourself:

Personal Care:

• Are they taking care of themselves?

• Are they bathing, brushing their teeth, and changing their outfits regularly?

• Are they eating properly and nutritiously?

• Are they taking their medications on time?

Home Cleanliness and Safety

• Are they able to keep up with laundry?

• Are they able to keep their home clean?

• Are they able to keep their home safe – no trip hazards or uncontrolled pests?

Mental Health

• Are they keeping their social connections active?

• Are you seeing signs of loneliness or depression?

• Are they able to enjoy their regular activities?

• Any negative changes to their personality?

Physical Abilities

• Are they able to navigate around the home safely?

• Any recent falls or multiple times nearly tripping?

• Any unexplained injuries?

• Can they still do food shopping, go to their doctor’s appointments, or do the things they used to enjoy?

Quality of Life

• Is caring for them overwhelming you?

• Do you feel like you can’t keep up with caring for your loved one?

• Are you always feeling angry?

• Are you unable to enjoy your own life because you’re caring for them?

• Do you feel guilty about asking for help?

If you are seeing a decline in any of these aspects, then it’s time to get some help.  Asking for help can be difficult but it’s the best thing you can do for your loved one and yourself.

The White House Helps Support the Care Economy

April 23, 2024 - The White House released two final rules yesterday, April 22, 2024, in an effort to improve access to long-term care and the quality of caregiving jobs.

1. Nursing Home Minimum Staffing Rule - will require all nursing homes that receive federal funding through Medicare and Medicaid to meet minimum staffing standards. This aims to improve residents' safety and help prevent staff burnout.

2. Ensuring Access to Medicaid Services - this aims to ensure adequate compensation for home care workers by requiring that at least 80 percent of Medicaid payments for home care services go to workers’ wages.

What do you think about these?

Source: Link