Deciding Between Home Health Care or a Nursing Home

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!

In many ways, stress is a part of life for all of us. But for seniors, stress can have a larger affect on physical and mental wellness.Having worries and concerns is natural, but it is more important as we get older to practice stress-reduction techniques to manage these thoughts.The great news is that stress, and the techniques to manage it, are usually easy for most people to practice. Meditation, breathing exercises, physical movement and other tactics can help seniors continue to live the best quality of life and can even improve overall wellness.Stress destroys cells in the hippocampus, a brain site responsible for memory storage and retrieval.Why is it critical to manage stress?As we continue to keep our homes and families safe during COVID-19, its even more important to focus on the mental health needs of our seniors when it comes to stress.Several studies have shown that stress is linked to mental and physical problems, from anxiety and depression to hypertension and immune system complications. In fact, its estimated that stress increases the risk of heart disease by 40%, heart attack by 25%, and stroke by 50%. Not to mention the fact that stress can also exacerbate existing conditions which can be very impactful for those with less efficient immune systems.What can seniors do to manage their stress in a positive way?Finding moments of joy and focusing on activities and hobbies that bring meaning and purpose can help seniors manage their stress. Fortunately, there are many more stress relief techniques that seniors can follow to help improve their own personal wellbeing. What senior clients use to manage their stress today can help better prepare them for any future stress.Stress Relief TechniquesConnection can help relieve stress. Seniors can call a friend or family member, have a video chat or spend time with loved ones when possible.Meditate at the same time every day or whenever feelings of stress or anxiety arisePractice deep breathing and mindfulness exercisesReach out to friends and family to connect and spend time togetherFollow a consistent exercise regimen and healthy diet, upon physician approvalJournal or jot down thoughts and feelings at the end of each day and be sure to take a moment to reflect on all the positive things that happened throughout the dayFind a virtual volunteer opportunity to give back to the communityPut together and execute a to-do list to increase productivity, decrease feelings of restlessness, and combat procrastinationJoin a yoga class or practice it at home (with physician approval)Listen to soothing or relaxing music, especially before bedFind a way to laugh, whether its by watching a funny TV show/movie or listening to a comedy albumComfort Keepers Can HelpAt Comfort Keepers, we have spent the last twenty years perfecting the art of helping seniors and other adults maintain their peace, happiness, and joy. To us, every moment in a seniors life is a unique opportunity to foster positivity, going beyond daily tasks. Our approach to care is called Interactive Caregiving, a philosophy centered around four central aspects of life: mind, body, nutrition, and safety.Whats more, our trained caregivers are selected with one specific quality in mind: empathy. Care that is empathetic is care that starts in the heart, and it allows us to meet our clients exact needs.Learn more about our unique service offering by contacting a local Comfort Keepers office.

In addition to regular health insurance, long-term care insurance, or LTC insurance, is worth considering as part of senior care, whether for yourself or your parents.When you need this type of insurance, it can be too late to get it, so it is critical to consider it in advance when planning for the future. This guide answers the question, What is long-term care insurance? and provides more information for your planning process. Table of Contents: What is Long-term Care (LTC) Insurance?How Does Long-Term Care Insurance Work?Who May Need LTC Insurance?Who May Not Need LTC Insurance?How Do You Qualify for Long-Term Care Insurance?Benefits of Long-Term Care InsuranceWhere to Find LTC Insurance?LTC AlternativesWhat Is Long-Term Care (LTC) Insurance?Generally, regular health insurance plans do not cover long-term care services. This is where long-term care or LTC insurance comes in. It can cover services that help you with activities of daily living (ADLs), like assistance with showering and eating.This insurance helps cover personal and custodial services whether you or your loved one still lives at home or has moved to a community, such as a nursing home or assisted living community. It could also cover some services provided by a human services community organization.There are newer types of LTC insurance, including combination, hybrid, asset-based, and linked benefit options. It may be worth looking into your options and seeing whether a certain type could suit your needs and situation.How Does Long-Term Care Insurance Work?When you use care services that support activities of daily living, long-term care insurance coverage can pay you back a daily amount to cover some or all the costs of the services. The reimbursement amount depends on the pre-selected limit of your policy, like how you have certain limits and guidelines associated with a regular health insurance plan.Like other types of insurance, your coverage will vary by the insurance company you choose, the policy, and the terms of that policy. When you use the coverage, it will have maximum amounts for how many days/years it will cover and how much it will cover each day. There is also a lifetime maximum amount that reflects the two numbers together.Generally, your policy will have a waiting period. You must pay for the care up front, often for a waiting period of 30 to 90 days, and then the policy will reimburse you.Long-term care insurance often does not cover the costs of care indefinitely. Policies tend to have limits, including coverage for a limited number of years or the amount covered. Nonetheless, some policies cover long-term care costs for the rest of your life. It is essential to consider the type of plan and coverage when comparing providers. Be aware that policy premiums can increase over time.Who May Need LTC Insurance?Long-term insurance is beneficial for individuals who need to hire a professional to help with activities of daily living, such as bathing, going to the bathroom, getting dressed, and eating. When applying for LTC insurance, it is not enough to want this kind of support; you must show that you actually need it. This might be due to a chronic condition or an impairment that prevents you from being able to care for yourself.Some avoid long-term care policies because they think they are for living in a nursing home, and many people do not plan to live in one or hope to avoid it. However, you or your loved one can use LTC insurance to stay in your own home and receive extra assistance. LTC insurance can also help with other options if your family needs them, including assisted living, community services, or a nursing home if that indeed is something you end up needing even though you did not plan for it.Who May Not Need LTC Insurance?You may not benefit from this kind of insurance if you do not need professional assistance with activities of daily living. Maybe your parents can still do these activities independently, or they may have a spouses support to help them daily. Alternatively, there may be family members or friends who can help. In this case, your family may not need to hire anyone and, therefore, will not need long-term insurance to help cover costs.If your loved one does not have the conditions or diseases covered, they might not need or qualify for this insurance.How Do You Qualify for Long-Term Care Insurance?You cannot just get or use long-term care insurance. You must qualify to buy the initial plan and use its coverage.Qualifying for Long-Term Care InsuranceYou must get LTC insurance coverage when you are still healthy, so you must sign up before you need it. Ideally, you need to sign up when you are still healthy, active, and independent. If you need extra support in the home or need to move to a facility, it is often too late to get coverage. You may not qualify for long-term care insurance if you wait until you need it.You need medical underwriting to get one of these policies, so the state of health impacts whether you qualify. Policies even look at health history.The chance of being declined for LTC coverage is about 12.4 percent from ages 40 to 45 and 47.2 percent from ages 70 to 74. Further, most people wont get approved past age 75. Most people with long-term care insurance buy it in their mid-50s or mid-60s. If you can find a policy that covers you despite poor health or older age, it may be limited or cost more as the price is determined by your age when you sign up; the older you are when you first sign up for the policy, the more it will cost. Benefits of Long-Term Care InsuranceWhile long-term care insurance does not make sense for everyone, it provides numerous benefits to many people. Here are a few benefits to consider:Support for the FamilyThis insurance can help your family feel better about having your needs met as you age and have more difficulty caring for yourself. It can even take some of the burden of care away from your family members. Caring for an aging loved one can be difficult financially, physically, mentally, and in other ways. Hiring professional in-home care can reduce the burden on your family and ensure you have the right level of care you need, which may even help you have a better relationship.Increased OptionsThis kind of insurance generally gives you more options for the care you can receive. Without this insurance, you could be limited by your private finances or the restrictions of what Medicaid will cover. Having this coverage could open your options and even help you stay in your home, which many people want as they age.Tax BenefitsIn addition, having long-term care insurance can come with tax benefits. On your federal taxes and even some state taxes, you can include long-term care insurance premiums on your itemized deductions as medical expenses. Of course, this requires filing your taxes with itemized deductions and following other limitations. A tax professional can help you determine whether you could file these expenses as deductions, how much you can file, and whether it is beneficial to do so.Where to Find LTC InsuranceTalking with an estate planning or elder law attorney can help you and your family learn more about LTC insurance and how it fits into your planning.When you are ready to sign up for a plan, apply through an insurance company offering long-term care coverage. Like regular health insurance, you can look for policies through an employer, the insurance company, or an insurance broker or agent.As with other insurance, compare quotes and policies from different companies.  If applicable, you may be able to get a better group rate and easier qualification process through an employer, but it is worth comparing it to independent plans.After you apply, you go through an interview that covers your needs and personal information, such as health history and personal finance information. An insurance professional or company provides a custom policy to fit your unique situation.At this point, there is a medical underwriting process that includes contacting your physicians offices and reviewing their medical records. This part of the process can take weeks.LTC AlternativesHow else can you pay for support if you do not have long-term care insurance? If you are of age to qualify for Medicare, it can cover a portion of long-term care. Nonetheless, its coverage is extremely limited. Beyond that, you can pay for care out of pocket. Further, Medicaid is an option if you meet the qualifications, which can happen after people spend their savings on care.Medicaid vs LTC InsuranceYou may have heard that the government program Medicaid can help with the cost of long-term care, and that is true. Nonetheless, it has limits, as does long-term care insurance. What are the pros and cons of each type?To use Medicaid, you must meet financial requirements. These vary by state, but you must use your personal financial assets until they are spent down to a certain level. Medicaid will check how you used your assets over the previous 60 months, so you cannot give them away to others. Learn more about these limitations in your state and the amount a healthy spouse can keep in that state.You should also investigate whether your state has a partnership program. A partnership policy helps people use up their long-term care benefits and then switch to Medicaid coverage while keeping more of their assets. This kind of policy enables you to keep a higher amount of personal assets while using Medicaid to cover long-term care, as well as qualify for Medicaid sooner than you normally would have.Medicaid only provides coverage for certain skilled nursing care facilities and some community-based care options, such as an adult day care center. Long-term care insurance, on the other hand, tends to cover care in your own home or an assisted living facility. If you need a skilled nursing care facility, you will find more options available to you with long-term care insurance than with Medicaid.Find Support from CarePatrols Local Senior Care AdvisorsLong-term care insurance can help cover the cost of senior care, which is a critical component, but selecting the right senior care solution is equally important. CarePatrols Local Senior Care Advisor can help you determine the best senior care option for you when that time comes. Whether that means receiving home health care or transitioning to the support of assisted living, memory care, or a nursing home, our advisors will help you find the best option. Contact a CarePatrol Local Senior Care Advisor today to get started.