Ivy Reyes 6/26/24 Ivy Reyes 6/26/24

How to Talk With Your Loved One About Home Care

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

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.

Ivy Reyes 5/6/24 Ivy Reyes 5/6/24

Ways to Pay for In-Home Care

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.

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.

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Ivy Reyes 5/28/19 Ivy Reyes 5/28/19

The White House Helps Support the Care Economy

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.

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?

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