For more information about the author, click to view their website: Comfort Keepers
We’re
so used to our parents living independently that we don’t always notice when
they begin to struggle with handling daily activities. Changes can begin
gradually as they start to slow down, or they can happen quickly, when a parent
has an unexpected diagnosis or accident. No matter if you live across town or
across the country, proactively creating a senior life plan for your parents
will give you peace of mind and allow them to continue to live their lives to
the fullest.
Approaching
aging parents about planning their senior years can be a touchy subject for
everyone involved. As a general rule, it is recommended to start having these
conversations by the time you’re in your forties, or they’re in their seventies
(known as the 40-70 rule). Of course, you know your parents' habits and
personalities best, so you are the best judge of their physical and mental
health. Here are some factors that can determine the appropriate time to
initiate this conversation:
·
Start
the conversation early, using the 40-70 rule, so you have time to make or
change plans based on your parents' needs
·
Create
a comfortable and open environment for the conversation
·
Plan
more than one conversation so you can cover all possible issues
·
Take
notes so you remember what was discussed and can keep track of next steps
·
Keep
a list of all their passwords for accounts such as computer, email, phone, and
cable
Create
a Caregiving Plan
A
caregiving plan will ensure everyone is on the same page about the care needed
and how it will be handled as your parents age. If they require additional
care, consider how you can support their needs. This might involve coordinating
with local caregivers, hiring professionals to assist with certain tasks, or,
if you don’t live nearby, planning regular visits to spend time with them.
·
Have
a caregiving plan ready in case your loved ones need in-home care
·
Discuss
changes to your parents’ healthcare needs with their doctors
·
Research
different caregiving options
·
Find
out if your loved one has any specific needs to maintain their health and
happiness
Health and Medical Care
A
senior life plan starts with understanding your parents’ health statuses and
medical needs. When they are in excellent health, it’s essential that their
care and treatment preferences are detailed in a living will or advanced
directive and discussed with family members. Have this conversation now, during
the planning stage, rather than during a medical emergency.
·
Designate
a healthcare proxy who can speak with doctors on your loved one’s behalf and
make healthcare decisions, especially if they are hospitalized
·
Keep
a list of their medications up to date, including prescriptions,
over-the-counter medications, supplements, and vitamins
·
Keep
a list of your parent's doctors and specialists, including their contact
information
·
Ensure
they are following their doctors’ advice and taking medications as prescribed
·
Make
a note of the closest urgent care facility and hospital
·
Get
to know their primary care physicians
·
Discuss
your parents’ latest check-ups and help schedule upcoming appointments
·
Encourage
your parent to write a living will or advanced directive and keep a copy on
file
Safety
and Living Arrangements
Most
seniors want to remain in their homes as they age, connected to family,
friends, and community. If your parents are able to continue living at home,
consider home remodeling options to help them safely age in place. In addition,
develop an emergency plan with your parents and make sure they know what to do
in case of a natural disaster or other emergency.
·
Evaluate
the safety of their home and make modifications if necessary
·
Review
any mortgage or financial concerns about the home
·
Check
in regularly, either in person, or by phone or video chat
·
Consider
long-term care insurance in case long-term care is ever required
·
Develop
an emergency plan and list of emergency contacts
Social
and Support Network
A
strong social support network helps keep seniors healthy and active and gives
them a sense of connection, belonging, and purpose. This support can include
neighbors, friends, or other family members who can assist your loved one if
needed. If possible, foster connections with their support network to have
reliable contacts in case of emergencies.
·
Encourage
your parents to stay socially engaged and participate in activities that bring
them joy
·
Check
if your parents have a support network in their local community
·
Keep
the name and number of a neighbor who can regularly check on your loved ones
·
Create
a schedule of friends and family who call or regularly video chat
· Ensure your parents have access to reliable transportation when needed, especially if they don’t drive
Review
Finances
Discussing
finances can be tricky. Seniors sometimes want to keep their financial
information private, even from family members. Reassure them that they can keep
exact dollar amounts confidential, but make sure you have access to the
information if you need it. Have them assign a Durable Power of Attorney (POA)
to someone who can make financial decisions on their behalf. When going over
how your parents would like their finances handled, topics to discuss include
outstanding debts, homeownership, savings, and retirement funds.
·
Find
out what financial accounts are open and where they are held
·
Make
a list of advisors’ contact information
·
Ensure
they are making informed decisions about retirement, investments, and insurance
·
Stay
up to date on Social Security benefits
·
Check
that beneficiary designations are current
·
Make
sure your loved ones have a POA representative
·
Streamline
bill paying by setting up automatic payments
·
Ensure
they know how to avoid scams
Gather
Legal Documents
Discussing
and taking care of legal issues while your parents enjoy good health can ensure
everything is planned and understood. Make sure you know where your parents
keep their personal information and important documents in case you need them.
Go over everything together and meet with their estate planner so you can ask
questions about their wishes and how to ensure they are carried out.
·
Discuss
important documents and where they are stored
·
Find
out if your parents have a will and a living will, and where they are located
·
Make
sure their POA for finances and healthcare proxies are in order
·
Read
through their estate plan/will to make sure beneficiaries and responsibilities
are correct and up to date
Review
Insurance Plans
Regularly
review your parents’ insurance policies. It’s essential to know if their
policies are adequate, up to date, and where the accounts are located. This
information can help avoid undue financial burdens during medical emergencies
or accidents.
·
Make
a list of active insurance policies such as auto, home, health, long-term care,
etc.
·
Review
homeowners, auto, and life insurance policies to ensure they are adequate and
up to date
·
Review
health insurance coverage for any policy changes that need to be made based on
current or future needs
Aging Parents Checklist
Although caring for an aging parent often means taking on financial, legal, and other responsibilities, it can also be a time to reflect on happy memories and plan for a future that includes more joyful moments. The aging parent checklist below can help you ensure you’ve got all the bases covered when it comes to life planning and the next steps for your aging loved ones.
Although
caring for an aging parent often means taking on financial, legal, and other
responsibilities, it can also be a time to reflect on happy memories and plan
for a future that includes more joyful moments. The aging parent checklist
below can help you ensure you’ve got all the bases covered when it comes to
life planning and the next steps for your aging loved ones.
|
|
Communication |
·
Have
the conversation early so you have time to make or change plans based on your
parents' needs ·
Create
a comfortable and open environment for the conversation ·
Take
notes so you remember what was discussed and keep track of your next steps ·
Keep
a list of all their passwords for accounts such as computer, email, phone,
and cable |
Health and Medical Care |
·
Designate
a healthcare proxy who can speak with your loved ones’ doctors and make
decisions ·
Keep
an up-to-date list of all their medications, including over-the-counter,
supplements, and vitamins ·
Keep
a list of their doctors and specialists, including their contact
information ·
Ensure
they are taking medications as prescribed ·
Make
a note of the closest urgent care facility and hospital ·
Get
to know their primary care physicians ·
Help
schedule upcoming appointments ·
Encourage
your parent to write a living will and keep a copy on file |
Ensure Safe Living Arrangements |
·
Evaluate
the safety of their home and make modifications if necessary ·
Review
any mortgage or financial concerns about the home ·
Check
in regularly, either in person, or by phone or video chat ·
Consider
buying long-term care insurance ·
Develop
an emergency plan and list of emergency contacts in case of a natural
disaster or other emergency |
Create a Caregiving Plan |
·
Have
a caregiving plan ready in case your loved ones need in-home care ·
Discuss
changes to your parents’ healthcare needs with their doctors ·
Research
different caregiving options ·
Find
out if your loved ones have any specific needs to maintain their health and
happiness |
Social and Support Network |
·
Encourage
your parents to stay socially engaged and participate in activities that
bring them joy ·
Check
if your parents have a support network in their local community ·
Keep
the name and number of a neighbor who can regularly check on your loved ones ·
Create
a schedule of friends and family who call or regularly video chat ·
Ensure
your parents have access to reliable transportation when needed, especially
if they don’t drive |
Review Finances |
·
Find
out what financial accounts are open and where they are held ·
Make
a list of advisors’ contact information ·
Ensure
they are making informed decisions about retirement, investments, and
insurance ·
Stay
up to date on Social Security benefits ·
Check
that beneficiary designations are current ·
Make
sure your loved ones have a POA representative ·
Streamline
bill paying by setting up automatic payments ·
Ensure
they know how to avoid scams |
Gather Legal Documents |
·
Discuss
important documents and where they are stored ·
Find
out if your parents have a will and living will, and where they are located ·
Make
sure their POA for finances and healthcare proxies are in order ·
Read
through their estate plan/will to make sure beneficiaries and
responsibilities are correct and up to date |
Review Insurance Plans |
·
Make
a list of active insurance policies such as auto, home, health, long-term
care, etc. ·
Review
homeowners, auto, and life insurance policies to ensure they are adequate and
up to date ·
Review
health insurance coverage regularly for any policy changes that need to be
made as needs change |
Review Insurance Plans |
·
Make
a list of active insurance policies such as auto, home, health, long-term
care, etc. ·
Review
homeowners, auto, and life insurance policies to ensure they are adequate and
up to date ·
Review
health insurance coverage regularly for any policy changes that need to be
made as needs change |
This
checklist gives seniors and their families a way to confidently and
purposefully navigate the next few years. We offer resources with helpful
information and insights that help you care for your loved ones so they can
experience all that life has to offer. And if they need in-home care, we can
provide compassionate care that focuses on connection and purpose and
experiencing more joy every day. To learn more, contact us today.
As the senior population continues to grow across the Western Slope of Colorado, so does the need for personalized, expert guidance in navigating aging-related challenges. One of the most valuable resources for families and seniors is a Geriatric Care Manager (GCM)a professional who serves as an advocate, guide, and coordinator in the complex world of elder care.In this blog, well explore what a Geriatric Care Manager does, how they can benefit aging adults and their families, and where to find these services across the Western Slope region. What Is a Geriatric Care Manager?A Geriatric Care Managersometimes referred to as an Aging Life Care Professionalis a licensed expert in fields like nursing, social work, or gerontology. Their role is to assess, plan, and coordinate care for older adults, with the ultimate goal of improving quality of life and reducing family stress.Whether a senior lives independently, with family, or in a care facility, a Geriatric Care Manager can step in to create customized care strategies and ensure those plans are carried out effectively. How a Geriatric Care Manager Can HelpFamilies often feel overwhelmed by the many decisions involved in senior careespecially when distance or limited time is a factor. A Geriatric Care Manager can provide:Comprehensive assessments of medical, social, and safety needsDevelopment and oversight of care plansCoordination of services, such as in-home care, transportation, or therapyCrisis intervention and support during transitionsFamily mediation and educationLocal resource navigation specific to the seniors locationThese professionals act as trusted partners and advocates for older adults, helping families make informed decisions with confidence. Why the Western Slope of Colorado Benefits from Geriatric Care ManagersThe Western Slope of Coloradowhich includes communities like Grand Junction, Montrose, and Glenwood Springsoffers a unique blend of small-town values and scenic beauty. While its a desirable place to age, it can also present challenges when it comes to accessing specialized care and services.A Geriatric Care Manager who understands the local healthcare landscape and senior resource network is a valuable asset in this region. From coordinating with local physicians to finding the right assisted living communities or home care providers, a GCM ensures nothing falls through the cracks.Explore Senior Resources in the Western Slope of ColoradoBrowse Geriatric Care Services in Western Slope When Should You Hire a Geriatric Care Manager?You might consider working with a GCM in the following situations:A senior has multiple chronic conditions and requires coordinated careFamily members live far away or cannot provide daily oversightTheres confusion about local resources or long-term care optionsTransitions between care settings (home to hospital, rehab to assisted living) are approachingCaregiving responsibilities are causing family conflict or burnoutEarly involvement with a Geriatric Care Manager can prevent future crises and ensure aging adults maintain independence for as long as possible. How to Choose a Geriatric Care ManagerWhen selecting a Geriatric Care Manager in the Western Slope, consider these tips:Look for credentials such as RN, LCSW, or certification from the Aging Life Care AssociationAsk for experience related to your specific needs (dementia care, disability support, etc.)Clarify how services are billedsome work hourly, others on a retainerEnsure they are familiar with regional healthcare providers and senior living optionsTake time to speak with several professionals before choosing the right fit for your loved one. Final Thoughts A Geriatric Care Manager can be a vital partner in helping older adults on the Western Slope of Colorado age with dignity, safety, and support. Whether you're facing a sudden health change or simply planning for the future, having a knowledgeable professional by your side can bring clarity and peace of mind.
As the population of older adults continues to grow, planning for future care needs becomes increasingly important. One essential tool that helps seniors prepare for the unexpected is long term care insurance. For residents in the Western Slope of Colorado, where aging in place and quality of life is highly valued, understanding how long-term care insurance works can help individuals and families make confident decisions about their future.This guide explains what long term care insurance is, why it matters, and how to explore your options across the Western Slope. What Is Long Term Care Insurance?Long term care insurance helps cover the cost of services that support individuals who can no longer perform daily activities independently due to aging, illness, or disability. These services can include:In-home care (help with bathing, dressing, or meal preparation)Assisted livingSkilled nursing careMemory careAdult day careUnlike traditional health insurance or Medicare, long term care insurance is specifically designed to cover extended care needs that are not medically necessary but are vital for maintaining quality of life. Why Consider Long Term Care Insurance?The need for long term care is a reality for many aging adults. According to recent studies, nearly 70% of people turning 65 will require some type of long-term care during their lives. Without insurance, the cost of care can quickly become a financial burden.Here are a few key reasons why long-term care insurance is worth considering:Financial protection: Helps reduce out-of-pocket expenses for extended carePreserves savings and assets: Prevents the need to deplete retirement savings or rely on familyProvides more choices: Gives access to a broader range of care options, including home-based careEases the burden on loved ones: Offers peace of mind and professional support Long Term Care Insurance in the Western Slope of ColoradoThe Western Slope is known for its scenic landscapes, rural charm, and strong community values. Aging residents in this region often prefer to remain in their homes or in local care communities, close to family and nature. As such, planning for long term care is especially important here, where access to high-quality care may require additional forethought due to geographic distance and provider availability.Seniors and their families in the Western Slope should start planning early and explore all their options to ensure access to the best care the region can offer.Helpful Tip:Start by learning about the providers and resources in your area. Explore local services here: Western Slope Senior Resources Directory Insurance Providers for Long Term Care When Should You Buy Long Term Care Insurance?The best time to purchase long term care insurance is before its neededtypically in your 50s or early 60s. Waiting too long can mean higher premiums or disqualification due to pre-existing conditions. If you're already retired, its still worth exploring your eligibility and comparing available plans. What Does Long Term Care Insurance Cover?Coverage depends on the policy, but most plans cover:Assistance with activities of daily living (ADLs)Care coordination servicesHome modifications for aging in placeFacility-based care like assisted living or skilled nursingRespite care for family caregiversSome policies may also offer inflation protection, allowing benefits to grow over time. Things to Consider When Comparing PlansChoosing the right long term care insurance policy involves several factors:Daily benefit amount: How much the policy will pay per dayBenefit period: How long benefits will last (e.g., 3 years, 5 years, lifetime)Elimination period: The waiting period before benefits beginCoverage settings: Whether care is covered in-home, in assisted living, or in nursing homesIts important to speak with a licensed insurance professional who understands both the policies and the needs of seniors in the Western Slope. Final Thoughts: Plan Today, Thrive TomorrowPlanning ahead with long term care insurance can make a significant difference in your financial future, care choices, and peace of mind. For seniors living in the Western Slope of Colorado, taking a proactive approach to long term care is a smart step toward preserving independence and quality of life. At Seniors Blue Book, were committed to providing neutral, comprehensive resources to help you make informed decisions. Use our platform to explore long term care services, speak with trusted professionals, and take the next step in your retirement planning journey.
Navigating Medicare planning can feel overwhelming, especially as you approach retirement age or assist a loved one through the process. With so many coverage options, deadlines, and rules, its no wonder seniors across the Western Slope of Colorado are searching for clarity and guidance.Whether you're enrolling for the first time or reassessing your coverage, this local guide will help you understand how Medicare works, what to consider when choosing your plan, and where to find resources in the Western Slope region. What Is Medicare Planning?Medicare planning is the process of evaluating your healthcare needs, understanding your Medicare options, and selecting the coverage that best fits your lifestyle and budget. Proper planning ensures you're not only covered, but that you avoid unnecessary out-of-pocket expenses and coverage gaps. Why Medicare Planning Is ImportantChoosing the right Medicare plan isnt a one-size-fits-all decision. Your health conditions, prescription needs, travel habits, and financial situation all play a role in determining the best option for you.Effective planning helps:Avoid late enrollment penaltiesMaximize coverage for services and prescriptionsControl monthly premiums and out-of-pocket costsCoordinate additional benefits like dental, vision, or hearingWhether you're considering Original Medicare, Medicare Advantage, Medigap, or Part D prescription coverage, its essential to compare your choices carefully. Medicare in the Western Slope of Colorado: Local ConsiderationsThe Western Slope is a unique region with both urban and rural communities, and that affects how seniors access Medicare-related services. From Grand Junction to Montrose to smaller towns throughout the area, local resources and provider networks can vary.Here are a few things to keep in mind when planning for Medicare in the Western Slope:1. Provider Networks MatterMedicare Advantage plans often operate with specific provider networks. Before enrolling, confirm that your preferred doctors, hospitals, and specialists in the Western Slope are included in the plans network.2. Prescription Coverage May VaryNot all plans offer the same prescription drug coverage. Be sure to review the formulary (drug list) and pharmacy options available locally to avoid higher costs.3. Rural Access and TelehealthRural areas on the Western Slope may have fewer in-person options for specialists or Medicare consultants. Many seniors find that telehealth services or virtual Medicare planning appointments offer additional convenience and access to professionals who understand local nuances.4. Community Support and EducationLocal agencies, senior centers, and nonprofit organizations in the region often host educational events or offer one-on-one Medicare counseling to help seniors understand their options. Tips for Smart Medicare PlanningIf you're getting started with Medicare planning, here are a few steps to follow:Know your timeline Initial Enrollment Periods and Annual Enrollment Periods are important.Review your current healthcare needs Make a list of doctors, specialists, and prescriptions you want to keep.Compare plans Use Medicares online tools or local advisors to weigh your options.Seek out trusted guidance Look for unbiased assistance from local resources.Start exploring trusted senior resources in the Western Slope here: Western Slope Senior Resources DirectoryFor Medicare-specific resources, visit our planning section: Medicare Planning Resources in Western Slope Final Thoughts: Plan With ConfidenceMedicare is a vital part of your retirement planand getting it right can mean greater peace of mind and financial security. For residents of the Western Slope of Colorado, understanding your local healthcare landscape is just as important as choosing the right plan. At Seniors Blue Book, our mission is to be your neutral, reliable partner in navigating aging-related decisions. Whether you're comparing Medicare options or seeking trusted providers, were here to support your journey with clarity and care.
Why choose Comfort Keepers? Quick response to your needs, we answer our phone 24/7 by a staff member, national and current background check, personality and competency testing, on- going education, nurse oversight, telephony system that let us know your caregiver has arrived are just a few things we are invested in to provide you with the peace of mind that your loved one is well cared for. NEW!! Services to disabled Uranium miners, millers and haulers at no out of pocket cost. Medication management, Electronic monitoring and med dispensers are available.Comfort Keepers provides award-winning in-home care for seniors and other adults in need of assistance with daily activities. Our highly trained and dedicated caregivers can help your loved one stay in their home for as long as safely possiblea dream come true for many elders.As a leading provider of home care services, our expert caregivers provide customized care plans crafted to clients' individual recovery needs and daily living requirements throughout the Colorado Western Slope. These services focus on elevating the human spirit with meaningful companion care that accentuates independent living. The primary care services that our experienced caregivers - that we call Comfort Keepers - provide may include personal care, long-term care, 24/7 around-the-clock care, and companionship care. We help older adults of retirement age and beyond, as well as other adults, live an independent, quality life in the safety and comfort of their home. Family members do not need to consider assisted living facilities, independent living communities, or nursing homes, as their senior loved ones can receive the personal care they need at home.As a leading provider of non-medical home care services we are dedicated to enhancing the quality of life for seniors and individuals who need assistance with daily activities. Our mission is to provide compassionate, professional, and personalized care that allows our clients to maintain their independence and stay comfortably in their own homes.At Comfort Keepers, we understand the importance of home for our clients. Home is where they feel safe, secure, and comfortable. Thats why we offer a comprehensive range of non-medical home care services designed to meet the unique needs of each individual. Our services include personal care, companionship, housekeeping, and specialized care for individuals with Alzheimers and dementia.Our personal care services are tailored to assist with activities of daily living (ADLs) such as bathing, dressing, grooming, and mobility assistance. Our trained caregivers are dedicated to providing respectful and dignified care, ensuring that our clients feel comfortable and supported at all times. We understand that these tasks can be challenging for many seniors, and our goal is to make them as easy and stress-free as possible.Companionship is a cornerstone of our non-medical home care services. At Comfort Keepers in Grand Junction, we believe that social interaction and emotional support are vital to overall well-being. Our caregivers provide friendly and engaging companionship, whether its sharing a meal, playing a game, or simply having a meaningful conversation. This companionship helps combat loneliness and isolation, promoting mental and emotional health.Maintaining a clean and organized home environment is essential for the well-being of our clients. Our housekeeping services include light cleaning, laundry, meal preparation, and other household chores. By taking care of these tasks, we allow our clients to focus on enjoying their time and maintaining their independence without the burden of household responsibilities.Specialized care for individuals with Alzheimers and dementia is another crucial aspect of our services. Our caregivers are trained to provide compassionate and patient care for clients with cognitive impairments. We use techniques and activities that are designed to stimulate memory and cognitive function, helping our clients to stay engaged and connected. Our approach to dementia care is personalized and flexible, adapting to the changing needs of each individual.Comfort Keepers in Grand Junction also offers respite care, providing family caregivers with a much-needed break. Caring for a loved one can be demanding, and its important for family caregivers to take time for themselves. Our respite care services allow family members to rest and recharge, knowing that their loved one is in capable and caring hands.Our commitment to quality care is evident in everything we do. We carefully select and train our caregivers to ensure they meet our high standards of professionalism and compassion. Each caregiver undergoes a thorough background check and receives ongoing training to stay current with the best practices in non-medical home care. We match our caregivers with clients based on their needs and preferences, fostering positive and lasting relationships.At Comfort Keepers, we believe in a holistic approach to care. This means addressing not just the physical needs of our clients, but also their emotional, social, and mental well-being. Our Interactive Caregiving philosophy is at the heart of our approach. This unique model encourages active participation from our clients in their own care, promoting independence and engagement. By involving clients in their care, we help them maintain a sense of purpose and control over their lives.Located in the vibrant community of Grand Junction, Comfort Keepers is proud to serve seniors and families throughout the area. Our local knowledge and community involvement enable us to provide care that is tailored to the specific needs of our clients. We work closely with local healthcare providers, community organizations, and families to ensure a comprehensive and coordinated approach to care.Choosing the right non-medical home care provider is an important decision. At Comfort Keepers in Grand Junction, we are dedicated to making that choice easier by providing exceptional care and support. Our team is here to answer any questions, provide information, and help families navigate the process of arranging home care services. We are committed to making a positive difference in the lives of our clients and their families.Discover the Comfort Keepers difference and contact us today to learn more about our services, schedule a free in-home consultation, and find out how we can help you or your loved one live a more comfortable, independent, and fulfilling life at home.Contact us through one of our offices in Delta/Montrose at 970-240-4121 or our main office in Grand Junction at 970-241-8818
With the use of CareLink MobileHelp, Comfort Keepers provides a simple solution to many accidents and medical emergencies. CareLink MobileHelp is a medicalalert system that works nationwide, beyond the home with all the same features as traditional in-home systems. CareLink MobileHelp keeps you connected to a live monitoring center regardless of your location. You can have the freedom to continue participating in the activities that you enjoy in and outside your home, knowing that you are always accompanied by a highly efficient medical alert system.
Comfort Keepers provides in home care and nursing 24/7. We have been established on the Western Slope almost 20 years. Business have been voted Best of the West for the 6 years in a row by GJ Sentinel, Top 100 Women owned businesses in Colorado by Colorado Biz Magazine, received operation excellence award and president club among many other awards and recognitions throughout the years. Our mission is to provide in home care and nursing to our clients so they can remain healthy and happy in their own homes.