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These days, thanks to modern medicine, people are living longer and longer. The majority of people will require long term care at some point in their lifetime. Many of these seniors prefer to age in place and stay in the comfort of their own homes, but they and their families may worry about the associated costs. Below we address how to plan for in-home caregiver cost.
In-home caregivers cost less than you think, especially when compared to nursing homes and other assisted living facilities. Exact in-home care costs vary based on factors like your location and the levels of care needed. There are multiple avenues of financial assistance like life insurance policies, Veterans benefits, or a reverse mortgage. Community-based services can also help families pay for home care and home health services for the older adults in their lives.
As you develop a long-term care plan for yourself or a loved one, several factors must be considered, such as one’s current and future medical needs, family support system, and budget. Since 90% of people 65+ want to stay in their homes for as long as possible, in-home care is a popular option. As your loved one’s needs change over time, ComForCare works with you to make changes to the schedule and routine.
Do you need help paying for home care? To find out more about the ComForCare pay schedule and costs or meet with some of our compassionate in-home caregivers, reach out to us now.
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Since 2004, senior care cost (both in-home care and at senior living communities) has steadily increased, averaging 1.5-3.8% per year. In-home elder care costs depend on where you live as prices can vary greatly by market. According to Genworth’s 2021 Cost of Care Survey, the median price for a home health aide is $26 an hour in the U.S. (Note: rates vary by location, hours a week, and types of care; please contact us to inquire about home care pricing in your area.)
At that rate, it would cost about $50,000 per year for 40 hours of in-home care a week. To compare, the average cost for a semi-private room in a nursing home is $89,292 a year.
In-home care, homemaker services, and other personal care services are typically paid for out-of-pocket. However, that’s not always the case. Here are eight other ways you may be able to cover long-term care costs and make in-home care payments:
Long-term care insurance is a supplemental policy purchased through a life insurance company. Long-term care insurance reimburses policyholders a set amount per day for home care services. It's vital to know your insurance coverage options and life insurance benefits inside and out. Contact your private health insurance or life insurance policy provider to see if this is an option for you.
Veterans Pension provides a home care allowance to qualifying veterans and their surviving spouses. Visit http://www.benefits.va.gov/benefits to learn more about the assistance available from the Department of Veterans Affairs.
Catastrophic auto insurance acts as a personal-injury protection or “no fault” insurance, which can cover home care expenses.
Workers’ compensation may cover home care costs associated with an illness or accident on the job.
Reverse mortgages are available to people 62+ who own their home. The funds can be received in monthly installments or a lump sum. Check with your or your loved one’s bank for eligibility requirements, terms, and conditions.
Medicaid may cover home care services and nursing services through a waiver program, which varies by state. The waiver programs are often coordinated through Area Agencies on Aging. Contact us to see if we participate in a waiver program. It’s important to note, Medicare does not pay for long-term home care services. Medicare covers short-term home health care prescribed by a physician. These services include skilled nursing, physical therapy, occupational therapy, and speech therapy. Assistance with bathing, feeding, meal preparation, and other personal care may also be provided while a person is receiving home health care and support with the tasks of daily living.
Area Agencies on Aging provide a variety of services (including in-home care) to adults 60 and older. Services provided through local agencies are determined by performing a community needs assessment and vary by location. To find your local AAA, go to www.eldercare.gov and search by your ZIP code or call 800-677-1116 to speak with a specialist.
Family funds can be set up among siblings and other family members to cover the cost of home care for an aging parent or relative. Be sure to clearly spell out the terms of the agreement and consult an elder law attorney for guidance.
Paying for in-home care services is just one part of the long-term care process. Check with your or your loved one’s insurance about coverage or contact us for a free insurance eligibility verification. At ComForCare, we can connect you with resources and programs that can help ease the financial burden of in-home care.
If you have additional questions or would like to schedule a complimentary in-home consultation, call 800-886-4044 or find a ComForCare Home Care location for affordable home care options near you.
Stay Safe and Celebrate: 6 Fall Prevention Tips for Seniors This Holiday SeasonThe holidays are a time for joy, laughter, and togetherness. But for many seniors, they can also bring unexpected hazards. From slick winter sidewalks to crowded, decoration-filled spaces, its important to prioritize safety so you can enjoy the season to the fullest. A little preparation can go a long way in keeping your home safe and festive.At Seniors Helping Seniors, were here to help make your holiday season both merry and secure. Whether you need a hand with decorating, organizing, or just navigating the winter months, weve got you covered. Here are our top fall prevention tips to keep your holidays safe and bright.Why Holidays Bring Extra Risks for SeniorsWinter weather already introduces challenges like slippery sidewalks and damp entryways. Add holiday decorations, gatherings, and extra clutter, and even a familiar home can become tricky to navigate. But the good news? Small adjustments and a bit of planning can make a world of difference.Our caregivers at Seniors Helping Seniors specialize in spotting risks and creating safer environments. With their support and a few proactive steps, you can enjoy the season without worry.6 Fall Prevention Tips for a Safe and Joyful Holiday1. Declutter and OrganizeHoliday decorations and seasonal items can easily pile up, creating tripping hazards. Take a moment to clear hallways and high-traffic areas. Need help tidying or rearranging? A caregiver can assist with storing decorations safely and keeping your home accessible.2. Choose Simple, Safe DecorationsOversized holiday decorations might be beautiful, but they can block walkways and create obstacles. Stick to smaller, manageable decor that stays out of paths. A caregiver can help you set up decorations in a way thats festive yet safe.3. Opt for Steady LightingTwinkling lights may look magical, but they can make it harder to spot potential hazards. Consider steady, bright lighting to illuminate your space without causing distractions. A Seniors Helping Seniors caregiver can help place lights where theyre most needed.4. Tame Those Extension CordsExtension cords are a holiday staple, but loose cords can be dangerous. Keep them along walls or secure them with tape or cord clips to prevent trips. Let your caregiver handle the setup so you can relax and enjoy the festivities.5. Skip the LaddersHanging decorations or adjusting lights often means pulling out a stepstool or ladderbut these can pose serious risks. Instead, ask a family member or caregiver for help. Its a great opportunity to catch up while staying safe.6. Create a Toy ZoneWhen grandchildren visit, toys can quickly scatter everywhere. Designate a specific play area to keep toys contained and reduce tripping hazards. Caregivers can help tidy up so everyone can focus on celebrating together.Celebrate Safely and ConfidentlyThe holidays are a time to connect with loved ones and create cherished memories. By clearing clutter, simplifying your decorations, and asking for help when needed, you can ensure your home is a safe space to celebrate.At Seniors Helping Seniors, were here to lend a handwhether its decorating, organizing, or just providing companionship. Together, lets make this holiday season one to remember for all the right reasons.Wishing you a joyful and safe holiday season!
This chilling scene from The Beekeeper is a dramatic yet realistic example of a type of phishing scam directed at seniors: Eloise, a retired schoolteacher, is on her computer looking over charity accounts that she manages when a virus warning pops up. She calls the provided number, which unknowingly to her connects to a call center operated by a phishing scam operation.The call center rep portrays a support desk tech and during his conversation with Eloise, he lies about the source of the virus warning. She falls into his trap by installing fake antivirus software, which links to all the charity accounts. The connected malware drains over $2 million from the charities Eloise runs. She realizes too late what has happened and is left in despair.Among the fastest-growing cybercrimes targeting seniors today are phishing or smishing scams. In phishing/smishing scams, criminals send fake messages to trick seniors into giving away personal information, such as passwords, credit card numbers, or even one-time passwords (OTP) for account verification.Why are seniors often preferred targets for these scams, and how can they stay protected? Heres a comprehensive guide to help you and your loved ones stay safe from smishing.Why Are Seniors a Preferred Target for Phishing/Smishing Scams?Seniors are often targeted by scammers for several reasons:Less Familiarity with Technology: Many seniors arent as familiar with new digital threats, making them more vulnerable to smishing and phishing techniques.Trusting Nature: Scammers exploit the trusting nature of seniors, knowing that they may be more likely to believe the legitimacy of a message.Isolation: Scammers often prey on seniors who may be isolated or lonely, making them more willing to respond to messages, even from unknown numbers.Financial Independence: Many seniors control their own finances or have access to retirement funds, which makes them valuable targets.Keep reading for more about the different types of phishing and smishing scams and how to recognize and avoid them.Common Types of Phishing and Smishing ScamsOne-Time Password (OTP) ScamOne-time passwords (OTPs) are security codes sent to your phone to verify your identity when logging into accounts or making transactions. Scammers try to trick seniors into giving up these codes, allowing them to take control of their accounts.Example Your Venmo account login is suspicious. Please verify your identity by providing the OTP sent to your phone.In this case, the scammer is pretending to be a trusted company and trying to get the OTP that was sent to you for your own security. Never share your OTP with anyone, especially through text messages or phone calls. If you receive an unexpected OTP request, its a red flag that someone may be trying to access your account.Bank Account and Credit Card ScamsThese messages often warn of suspicious activity on your bank account or credit card and ask you to take immediate action by clicking a link or providing your details.Example Your account at Bank of America has been temporarily locked due to unusual activity. Click here to unlock your account: www.fakebanklogin.com.Banks will never ask you to verify your account through a text link. Always contact your bank directly using the phone number from your card or statement if you suspect an issue.Delivery ScamsScammers will send messages claiming that you have a package waiting for delivery, but they need additional information to process it.Example UPS: We tried to deliver your package but need additional information. Please provide it here: www.fakedelivery.com.These messages are often designed to capture your personal information or steal credit card details. Always check with the delivery service directly through their official app or website.Fake Tech Support ScamsScammers impersonate tech support from well-known companies, claiming that your device has been compromised.Example: Microsoft: Your device has been infected with malware. Click here to install antivirus software immediately.Legitimate tech support will never contact you this way. These scams aim to trick you into downloading malicious software that can steal personal data.Government or Tax ScamsScammers impersonate government agencies like the IRS, warning about unpaid taxes or offering refunds in an attempt to steal personal information.Example IRS: You have an overdue payment of $1,500. Please pay immediately to avoid legal action.Government agencies will never ask for personal information or payments via text. Contact the agency directly if youre ever unsure.How to Report a Phishing/Smishing ScamIf you or a loved one encounters a suspicious text message, its important to report it to help stop the scammer from targeting others.Heres what you can do:Forward the Scam TextIn the U.S., you can forward scam texts to 7726 (SPAM). This service is provided by most major mobile carriers, and they will investigate suspicious messages.Report Scam to the FTC (Federal Trade Commission)You can report smishing and other frauds to the FTC by visiting their website at ftc.gov/complaint. Reporting these scams can help law enforcement track and shut down fraud rings.Report Scam to the Company Being ImpersonatedIf the scam text appears to be from a well-known company (like Amazon, your bank, or the IRS), you can report it directly to their fraud department.Block and Delete the Number from Suspicious MessageIf you receive a suspicious message, block the sender immediately and delete the text. Never engage with the message, as scammers can collect information based on your replies.Tips for Seniors to Protect Yourself from Smishing ScamsBe Skeptical of Urgent RequestsSmishing messages often create a sense of urgency, pressuring you to act quickly. Dont let the panic take overslow down and think it through.Verify with the Company DirectlyIf a message seems to come from a known company or institution, contact them using their official phone number or website. Never use the contact information provided in the suspicious message.Look for Red FlagsCommon red flags include poor grammar, generic greetings, and unsolicited offers. Trust your instinctsif something feels off, it probably is.Never Share Personal Information via TextLegitimate organizations will never ask for your passwords, credit card numbers, or OTPs via text. Always keep this information private.Install Security SoftwareThere are security apps that help detect and block phishing or smishing attempts. Consider installing one to safeguard your mobile device.Educate Your Loved OnesTalk to seniors about these common scams, and make sure they feel comfortable asking for help if they receive a suspicious message. Staying connected and informed can make all the difference. Keep Alert for New Scams Targeting SeniorsBy educating yourself and your loved ones about smishing and other scams, you can reduce the risk of falling victim to these harmful schemes. Always be cautious, never share personal information through text, and report suspicious activity immediately. Remember: when in doubt, dont click, dont reply, and always verify.
Aging is a journey that brings wisdom, grace, and the opportunity to thrive in new ways. While aging brings new joys, it also brings certain vulnerabilitiesespecially when it comes to emergencies. Whether facing a natural disaster, medical emergency, or sudden need for evacuation, preparedness is key to ensuring seniors stay safe, confident, and empowered.A solid emergency preparedness plan is essential to thriving during this stage of life. FEMAs Disaster Preparedness Guide for Older Adults provides a practical checklist for assessing your unique needs as a senior and creating an actionable plan.Keep reading for a short list of ideas on how you can help yourself or your senior loved one build a plan that brings peace of mind and a sense of security.Start with the Essentials: Your Senior Health InformationEmergencies dont wait for anyone, so having easy access to vital health information is crucial. Create a comprehensive list of: Medications (including dosages) Allergies Medical conditions Primary care physician contact details Insurance information Emergency contactsPlace these documents in a waterproof, portable folder that can be easily accessed in the event of an emergency. Ensure that caregivers and family members also have copies.Emergency Kit Essentials for Senior NeedsBuild an emergency kit tailored to the seniors specific needs. This kit should include: Extra prescription medications (at least a weeks worth) Over-the-counter medications (pain relievers, antacids, etc.) First aid supplies Flashlights, batteries, and phone chargers Non-perishable food items and bottled water (enough for 72 hours) Personal hygiene products Copies of important documents and identificationFor those with mobility challenges, consider adding additional supplies, such as assistive devices, extra hearing aid batteries, or any special dietary items.Plan for Senior Mobility and Transportation NeedsIn an emergency, getting out of the home or to a safe location can be difficult for seniors with mobility challenges. Have a transportation plan in place: Identify neighbors or caregivers who can assist with transportation. Explore local emergency transportation services or dial-a-ride programs. Arrange for backup power if mobility aids, such as electric wheelchairs, are used.Caregivers and family members should familiarize themselves with how to operate any mobility devices in case assistance is needed during an evacuation.Stay Informed and ConnectedStaying connected is vital during an emergency, and its especially important for seniors. Create a communication plan that ensures your loved ones know how to reach you, and vice versa. Set up regular check-ins with family, caregivers, or neighbors. Ensure the seniors phone or alert system is always charged and within reach. Sign up for local emergency alerts and weather notifications, which can often be sent via text or email. Consider using an in-home personal emergency response system like Amada Connect that alerts a designated responder to reach you within minutes.Many cities and towns offer specific resources or registries for seniors who may need extra help during an emergency. Registering in advance can make a significant difference.Tailor the Emergency Plan to the Seniors EnvironmentWhether living independently, with family, or in a senior living community, the emergency preparedness plan should reflect the seniors specific living situation. In independent living situations, ensure that the home is equipped with: Smoke detectors, carbon monoxide detectors, and fire extinguishers Ramps, grab bars, and accessible exits Clear communication with local emergency services about any special medical or mobility needsFor seniors in assisted living or other care facilities, ensure the facility has a clear emergency plan, and that the senior and family are familiar with it.Involve the Whole Senior Support NetworkCaring for seniors is a community effort. Make sure that the seniors caregivers, family members, and friends are part of the emergency preparedness plan. Discuss each persons role in the event of an emergency, from helping with evacuation to ensuring medical supplies are in order.A well-rounded plan not only provides safety but also reinforces the seniors support systemleading to greater peace of mind.Practice the Emergency Plan with Caregivers and FamilyJust like any other emergency drill, its essential to practice the plan. Schedule regular check-ins with caregivers and family to review the emergency plan and make sure all necessary supplies are up to date.Run through the steps of the plan with the senior to ensure they feel comfortable and confident. This practice can ease anxiety and ensure that in a real emergency, everyone knows their role.Seek Professional Senior Care Support if NeededAt Amada Senior Care, we understand that emergencies can be overwhelming, and were here to help. Our non-medical senior care team can assist with developing, organizing, and implementing emergency preparedness plans specific to your needs.In-home care services can also provide regular wellness checks, assistance with mobility, and help maintaining your emergency kitensuring that you or your loved one can focus on thriving, not just surviving, as you age.Having a comprehensive emergency preparedness plan isnt just about being ready for the worstits about thriving while aging. When seniors feel confident in their preparedness, they can continue living their lives with dignity, independence, and peace of mind.At Amada, were here to help in every step of the way, ensuring that senior clients are safe, cared for, and empowered to thrive in every stage of life. Lets work together to create a plan that supports their well-being today and for the years to come. CLICK HERE to find an Amada office near you.
Discover ComForCare Home Care - North Colorado SpringsAt ComForCare Home Care - North Colorado Springs, we understand that navigating daily life can become challenging for individuals and their families. Thats why we specialize in non-medical home care services designed to enhance the quality of life while promoting independence. Our dedicated team is committed to providing personalized care that meets the unique needs of each client, ensuring they receive the support they deserve.Tailored Personal Care PlansOne of the cornerstones of our home care services is the development of customized personal care plans. Our process begins with a comprehensive in-home evaluation. During this assessment, we conduct interviews with the client and their family to better understand their specific requirements, preferences, and lifestyle. This collaborative approach ensures that we craft a care plan tailored to individual needs, allowing our caregivers to deliver the most effective support.Comprehensive Daily Living AssistanceOur caregivers are trained to assist individuals with a wide range of daily activities. Whether its help with bathing, dressing, grooming, meal preparation, medication reminders, or mobility assistance, ComForCare Home Care provides compassionate support that allows clients to maintain their dignity and independence. We understand that each client is unique, which is why our services can be adjusted as needs change over time.Flexible Care OptionsFlexibility is a key component of our non-medical home care services. We recognize that every individuals situation is different, which is why we offer care solutions that can fit any schedule. Our caregivers can provide support for as little as a few hours a week or offer around-the-clock care. Whether you need assistance during the day, overnight support, or 24-hour supervision, were here to help. This adaptability ensures that clients receive the right level of care at the right time.Enhancing Independence and Quality of LifeAt ComForCare Home Care - North Colorado Springs, we believe in empowering our clients to lead fulfilling lives. Our home care services not only focus on assistance with daily tasks but also aim to enhance overall well-being. Our caregivers engage clients in activities that promote mental stimulation and social interaction, whether its playing games, going for walks, or simply having meaningful conversations. This holistic approach to care fosters a sense of belonging and improves the quality of life for our clients.In-Home Care Service EvaluationIf youre wondering how best to maintain your independence or that of your loved one, we encourage you to request an in-home care service evaluation. This consultation is conducted by a trained professional from ComForCare Home Care, who will assess your specific needs and discuss the best care options available. This personalized assessment is an essential step in determining the most appropriate plan of action to enhance independence and support daily living.ComForCare Home Cares Commitment to QualityWhat sets ComForCare Home Care apart is our unwavering commitment to quality care. Our caregivers undergo rigorous training and background checks to ensure that they are not only skilled but also compassionate and trustworthy. We prioritize building strong relationships between our caregivers and clients, fostering an environment of trust and understanding. Our commitment to exceptional service means that families can have peace of mind knowing their loved ones are in capable hands.Connecting with ComForCare Home CareIf youre in Colorado Springs and seeking reliable non-medical home care services, look no further than ComForCare Home Care. Our team is here to guide you through the process and provide the support you need. Whether its answering your questions, scheduling an in-home evaluation, or discussing care options, we are dedicated to assisting you every step of the way.Final ThoughtsChoosing home care is a significant decision that can positively impact your life or the life of a loved one. With ComForCare Home Care, you gain access to personalized, compassionate care tailored to individual needs. Our comprehensive range of services, flexible scheduling, and commitment to enhancing independence make us a trusted choice for home care. Reach out today to learn more about how we can assist you in maintaining a fulfilling and independent lifestyle. Together, we can create a plan that ensures the best possible care for you or your loved one. With home care services, our office can provide personal care plans through an in-home evaluation and interviews between the client, family and the ComForCare team to help determine the best plan of action for the individual based on their specific needs. ComForCare Home Care can help individuals with daily activities. Our dedicated caregivers can be available for as little as a few times per week or 24 hours a day to provide care. If you want to know how best to maintain your independence or that of your loved one, request an in-home care service evaluation. A trained professional from ComForCare Home Care will visit the home for a personalized home care consultation.