For women, eldercare should not mean sacrificing your career
Naborforce - DFW
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Sep 16, 2024
Texas - Dallas, Collin, SE Denton & Rockwall Counties
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For women, eldercare should not mean sacrificing your career
Many women, especially those in mid-career, find themselves facing the difficult decision of whether to leave the workforce to care for aging parents. The demands of eldercare can pile up with little warning or predictability and quickly become overwhelming. The "easiest" solution for many women in this position may seem like stepping away from their professional lives altogether.
However, leaving the workforce can have long-term, unseen consequences—financially, emotionally, and professionally. Before women make this decision, we want to bring to light to some of the costs of stepping away, as well as share options that are available to help women care for aging parents or loved ones without sacrificing their career.
The elephant in the room - what about men?
It's a systemic problem that the large majority of caregiving responsibilities fall on women. We believe fully this should not be the case - and will continue to advocate for a future where men and women are expected to share, and do share, these responsibilities more equally. That said, this article is going to focus on the impact of eldercare on women, and options available, because the data shows the women are the ones who are much more likely to pay the price of eldercare.
Female caregivers are more likely than males to ask for a less demanding job, take unpaid leave, or give up work entirely to support caregiving
Women lose an estimated $325K over their lifetime due to caregiving
The Unseen Costs of Leaving the Workforce
Women who exit the workforce early face immediate income loss, diminished retirement savings, and a reduction in Social Security benefits. AARP reports that caregivers can expect to spend an average of $7K annually on out-of-pocket expenses.
Additionally, exiting the workforce comes with professional setbacks that may be hard to recover from. Studies show that women who take time off for caregiving often find it difficult to re-enter their fields, and when they do, they may face lower wages, fewer opportunities for advancement, or the need to start in less demanding roles.
The Unseen Costs of "Daughterhood"
A less recognized aspect of women’s caregiving burden is eldercare (i.e. daughterhood), which is frequently overshadowed by the attention given to childcare (i.e. motherhood). While businesses have made strides in supporting working mothers, they have largely ignored the unique challenges posed by eldercare. The emotional and physical toll of eldercare, which often includes managing chronic illnesses, dementia, and end-of-life care, cannot be underestimated.
According to the Federal Reserve, four times as many people have left the workforce due to adult caregiving compared to childcare, yet corporate policies and benefits packages rarely address these realities.
Why You Shouldn't Quit: There Are Options
Balancing work, children, aging parents, mental and physical health, a "clean" home, and the semblance of a social life - it's simply not sustainable. It would make Superwoman run for the exit. It's no wonder that women leave their jobs in order to quickly take something off their plate. But before putting in your notice, let's talk about resources and options that may be available.
Workplace Benefits: Find out what your company offers. Some offer paid caregiver leave, flexible work schedules, Employee Assistance Programs (EAPs) that provide counseling and eldercare resources.
Even if your employer is moving away from remote work post-pandemic, you can advocate for more flexibility, such as flexible hours or a partial work-from-home arrangement.
According to experts, a flexible workplace arrangement is often the most important factor for caregivers trying to juggle their professional and personal lives.
External Support Systems: there are local and national organizations that can provide assistance. Naborforce is one of these organizations - our founder Paige Wilson lived all of the stark truths discussed in this article, and that is why she decided to do something about it! And if Naborforce isn't in your area or isn't an option for you - there are other resources to check out: care.com, Bright Horizons, home care agencies, caregiving forums, etc.
Note: Naborforce partners with employers to provide discounted hourly rates. If your employer doesn't have Naborforce as an option, reach out to us and we will see if there is an opportunity to collaborate!
Talk to your people: Many organizations are beginning to create employee resource groups for caregivers, offering a safe space to share experiences and tips for managing eldercare. These groups can be a lifeline for employees who feel isolated in their caregiving roles.
Making Eldercare an Employee Benefit
Employers play a crucial role in supporting women who are caregivers. Unfortunately, 79% of caregivers do not have access to benefits that support them in this role.
Supporting working women is not just about helping parents; it’s about addressing the needs of adult daughters (and sons) who are balancing caregiving with their professional lives. As 10,000 people turn 65 every day in the U.S., this challenge is only going to grow. Employers must adapt to this reality if they want to retain top female talent.
The Bottom Line: You Have Options
While caregiving can feel like an all-consuming role, women should not have to choose between their careers and their families. By tapping into workplace benefits, seeking flexible arrangements, and exploring external resources, women can navigate the challenges of eldercare without sacrificing their professional futures.
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The Cost of In-Home Care
As we age, many of us will require assistance with daily living activities. While some seniors opt to move into assisted living facilities or nursing homes, many prefer to receive care in the comfort of their own homes. In-home care has become increasingly popular over the years, but many people are unsure about the cost. In this blog, well take a closer look at the cost of in-home care and what factors can impact the price.What is In-Home Care?In-home care refers to a range of services that are provided to seniors in their own homes. This type of care can include assistance with daily living activities, such as bathing, dressing, and meal preparation, as well as medical services like medication management and wound care. In-home care can be provided by trained professionals, such as home health aides or licensed nurses, or by family members or friends.The Cost of In-Home CareThe cost of in-home care can vary widely depending on a number of factors. According to the Genworth Cost of Care Survey, the national median cost of in-home care in 2020 was $24 per hour for homemaker services and $24 per hour for home health aide services. However, the cost can be higher or lower depending on where you live, the type of services you need, and the amount of care required.One of the biggest factors that can impact the cost of in-home care is the level of care needed. Seniors who require only minimal assistance with daily living activities may only need a few hours of in-home care per week, while those who require more intensive care may need around-the-clock assistance. The more care that is required, the higher the cost will be.Another factor that can impact the cost of in-home care is the type of services needed. Homemaker services, which include tasks like cleaning, cooking, and running errands, are typically less expensive than home health aide services, which provide more hands-on care like medication management and assistance with personal hygiene.Finally, the cost of in-home care can also vary depending on where you live. In some parts of the country, the cost of in-home care may be higher due to a higher cost of living or a shortage of trained professionals in the area.Paying for In-Home CareMany seniors and their families are concerned about how they will pay for in-home care. Fortunately, there are a number of options available to help cover the cost.One option is to use personal savings or retirement funds to pay for in-home care. Another option is to use long-term care insurance, which can help cover the cost of in-home care as well as other long-term care expenses.Medicare may also cover some of the cost of in-home care if certain criteria are met, such as if the senior is homebound and requires skilled nursing care. Medicaid may also cover the cost of in-home care for seniors who meet certain income and asset requirements.Finally, some seniors may be eligible for assistance from nonprofit organizations or community groups that provide financial assistance for in-home care.Choosing In-Home CareIf you or a loved one is considering in-home care, its important to choose a provider that meets your needs and budget. Look for a provider that is licensed, bonded, and insured, and that has a reputation for providing high-quality care.Its also a good idea to ask for references and to check online reviews from other clients. Finally, be sure to ask about the cost of services upfront and to get a detailed breakdown of all fees and charges.In-home care can be a great option for seniors who want to receive care in the comfort of their own homes. While the cost of in-home care can vary depending on a number of factors, there are a variety of options available to help cover the cost.
The Role of Technology in Enhancing In-Home Care Service
n-home care traditionally relies on human interaction and personal touch. However, integrating technology into caregiving practices does not replace these elements but rather enhances them. Here are several ways technology is making a difference in in-home care: 1. Telehealth and Virtual Consultations Telehealth has revolutionized healthcare delivery, making medical consultations more accessible and convenient. Through video calls and online platforms, seniors can connect with healthcare providers without leaving their homes. Benefits of Telehealth: Convenience: Seniors can receive medical advice, follow-up care, and consultations from the comfort of their homes. Accessibility: Telehealth reduces the need for transportation, making healthcare accessible to those with mobility issues or in remote areas. Continuous Monitoring: Regular virtual check-ins allow for continuous monitoring of health conditions, enabling timely interventions. 2. Remote Monitoring and Wearable Devices Wearable devices and remote monitoring tools are game changers in in-home care, providing real-time health data that caregivers can use to tailor care plans. Key Technologies: Smartwatches: Equipped with features like heart rate monitoring, fall detection, and emergency alerts, smartwatches can help track vital signs and ensure immediate response to emergencies. Remote Sensors: Devices placed around the home can monitor movement patterns, detect falls, and alert caregivers to potential issues. Health Tracking Apps: These apps allow caregivers to monitor medication adherence, dietary habits, and overall wellness, promoting better health management. 3. Medication Management Systems Proper medication management is crucial for seniors, especially those with chronic conditions. Technology simplifies this task and minimizes the risk of errors. Solutions for Medication Management: Automated Dispensers: These devices dispense the correct dosage of medication at specified times, reducing the risk of missed or incorrect doses. Medication Reminders: Apps and smart devices can send reminders to seniors and caregivers, ensuring medications are taken on time. Electronic Health Records (EHRs): EHRs allow caregivers to access and update medication lists, ensuring all healthcare providers are informed of current treatments. 4. Smart Home Technology Smart home technology enhances safety and convenience for seniors living independently. These technologies can be integrated into daily routines, providing peace of mind for both seniors and their families. Examples of Smart Home Technology: Voice-Activated Assistants: Devices like Amazon Echo and Google Home can assist with daily tasks, provide reminders, and even control other smart devices. Smart Lighting and Thermostats: Automated lighting and climate control improve comfort and reduce the risk of accidents in the home. Security Systems: Smart locks, cameras, and alarm systems enhance home security, allowing caregivers and family members to monitor the home remotely. 5. Digital Communication Tools Staying connected with loved ones is essential for mental and emotional well-being. Digital communication tools bridge the gap between seniors and their families, fostering stronger relationships and reducing feelings of isolation. Popular Tools for Communication: Video Calling Apps: Platforms like Skype, Zoom, and FaceTime allow for face-to-face interactions, helping seniors stay connected with family and friends. Social Media: Seniors can use social media platforms to engage with their community, share updates, and stay informed. Online Communities: Virtual support groups and communities provide a space for seniors to connect with peers, share experiences, and find support. The Benefits of Technology-Enhanced In-Home Care Integrating technology into in-home care offers numerous benefits, significantly enhancing the overall caregiving experience. Improved Quality of Care Technology enables caregivers to provide more precise, informed, and proactive care. Real-time data and continuous monitoring allow for early detection of potential health issues, leading to timely interventions and better health outcomes. Enhanced Independence and Safety With smart home devices, remote monitoring, and automated systems, seniors can maintain their independence while ensuring their safety. These technologies reduce the need for constant supervision, allowing seniors to live more autonomously. Increased Engagement and Social Interaction Digital communication tools and social media keep seniors engaged and connected, combating loneliness and promoting mental well-being. Virtual activities and online communities offer opportunities for socialization and mental stimulation. Cost-Effective Care By reducing the need for frequent hospital visits and enabling remote monitoring, technology can lower healthcare costs. Telehealth consultations, in particular, offer a cost-effective alternative to in-person visits, saving time and money. Choosing Acti-Kare for Technology-Enhanced In-Home Care At Acti-Kare, we are committed to incorporating the latest technological advancements into our in-home care services. Our goal is to provide the highest standard of care while embracing innovative solutions that improve the lives of our clients. Why Choose Acti-Kare? Comprehensive Care: We offer a wide range of services, from personal care and companionship to specialized medical support. Experienced Caregivers: Our caregivers are knowledgeable in using advanced technology to enhance care delivery. Personalized Approach: We create customized care plans that integrate technology to meet the unique needs of each client. Continuous Improvement: We stay updated with the latest technological advancements to ensure our clients benefit from the best available solutions. Technology is transforming the in-home care industry, offering new ways to enhance the quality of care, improve safety, and increase independence for seniors. At Acti-Kare, we leverage these advancements to provide exceptional, personalized care that meets the evolving needs of our clients. Embrace the future of in-home care with Acti-Kare and discover how technology can make a difference in your loved ones life. For more information about our technology-enhanced in-home care services and to discuss how we can support your family, visit our website or contact us today. Let Acti-Kare help you navigate the path to innovative and compassionate care. Give us a call at 412-810-6595.
Helping Your Loved One Manage Their Finances
As our senior loved ones age, we may start seeing physical and mental signs of decline. While some signs are not worrisome, others may be more concerning: anxiety, depression, forgetfulness, and mishandling money. These could indicate more serious issues and are risky behaviors. So here are four things you can do to help your aging loved one manage their finances. Four Ways to Help Your Aging Loved One Manage Finances:1. Stepping Up to Help With Daily TasksAs they age, your loved one may start having difficulty remembering important things such as taking their medications and getting refills on time. If you notice your loved one is no longer able to keep track of due dates for their bills or forgets to pick up their mail and leaves letters unopened, it is time for a conversation. Ask them if you can take charge of their finances in order to avoid overdraft fees, missed due dates, and other potential problems.If you live far away or if you cannot visit regularly, consider hiring an Aging Life Care Manager to check on your loved one, assess their needs, and recommend on-going services. Share a calendar with their care team to let them know about appointments, and make a readily-accessible list of phone numbers that include doctors, pharmacies, banking institutions, and emergency numbers. 2. Finding a Suitable RentalAnother consideration is your loved ones living arrangement. A popular option is finding a new, accessible, rental home or apartment, which means less maintenance than owning a home. When scouting rentals, look in neighborhoods with the amenities they need. View online listings to find properties in their price range to locate the perfect place. 3. Getting Power of AttorneyAsk your senior loved one if theyre willing to grant you power of attorney, which will allow you to make medical and/or financial decisions for them when theyre no longer able to do so. A power of attorney is a flexible document that lets your loved one (the principal) specify what decisions can be made on their behalf by another person (the agent). The principal can amend or make changes to that document at any time, provided they are of sound mind.Once you fill out the required forms and have them notarized, print extra copies for your records and put them in a safe place. Being legally prepared before your loved one becomes ill or incapacitated will give both of you peace of mind taking the guesswork out of what should happen and knowing that your loved ones wishes will be respected in the event theyre no longer able to clearly communicate. 4. Closing or Selling Your Loved Ones BusinessWhen your loved one owns a business but can no longer manage it, it is time to close or sell it. There are many steps involved in dissolving an LLC or corporation, so consult with an accountant or attorney in order to avoid penalties. You will have to gather all documents pertaining to the company such as articles of incorporation and operating agreement and be able to provide a potential buyer with several years of tax returns, profit and loss statements, and client/vendor contracts, etc.Get a professional business valuation in order to properly and objectively determine its value. A good business broker will help you come up with a number by analyzing the companys management, capital structure, future earnings, and market value of its assets, and will facilitate and streamline the selling process.It can be a difficult conversation, but it is important. Take time to discuss your loved ones financial situation. Together, come up with a plan that will keep them financially secure. Youll have greater peace of mind knowing that everything is in order.5. EfficiencyAging Life Care Managers streamline care processes, reducing redundancies and ensuring efficient use of resources. They help avoid unnecessary hospitalizations and inappropriate placements, which can save significant costs. For example, an Aging Life Care Manager might identify that a clients frequent hospital visits are due to medication mismanagement and work to set up a system where medications are properly administered at home, thus reducing the need for hospital care (Yang). What Distinguishes an Aging Life Care Manager from Other Geriatric Care Managers?Aging Life Care Professionals are distinguished by their membership in ALCA, which sets them apart through rigorous education, experience, and certification standards. Aging Life Care Professionals must meet stringent education and certification requirements, which include formal higher education in related fields such as gerontology, nursing, or social work, and professional certifications like Care Manager Certified (CMC), Certified Case Manager (CCM) . Additionally, they adhere to a strict Code of Ethics and Standards of Practice, ensuring a high level of professionalism and quality care.When to Engage the Services of an Aging Life Care Professional for Yourself or Your Loved OneKnowing when to engage the services of an Aging Life Care Professional can be challenging. Here are some indicators that it might be time to seek help: The person you are caring for has multiple medical or psychological issues. They are unable to live safely in their current environment. They are not pleased with current care providers and require advocacy. They are confused about their own financial and/or legal situation. They have limited or no family support. Your family is burned out or confused about care solutions. You have limited time and/or expertise in dealing with the individuals chronic care needs and/or do not live close by. Your family is at odds regarding care decisions. You need education and/or direction in dealing with behaviors associated with dementia. Evaluating Aging Life Care Professionals for Yourself or Your Loved OneWhen evaluating Aging Life Care Professionals, consider the following: Credentials and Certification: Ensure the Aging Life Care Professional is certified and a member of ALCA. Experience: Look for professionals with substantial experience in geriatric care management. References and Reviews: Seek references from previous clients and read reviews to gauge their reputation and effectiveness. Compatibility: Choose someone who is compatible with your family and understands your specific needs and preferences. Communication Skills: Effective communication is crucial; the Aging Life Care Professional should be able to clearly explain care plans and updates. Understanding Aging Life Care ManagementAging Life Care Management is not just about addressing immediate health concerns but also about providing a holistic and proactive approach to care. This includes planning for future needs, advocating for the client within the healthcare system, and supporting the family through emotional and logistical challenges.Its about enhancing the overall quality of life for both the older adult and their family.Advice for Planning for Healthy AgingPlanning for healthy aging involves being proactive about your health, finances, and lifestyle choices. Here are some key pieces of advice from ALCA: Maintain a Healthy Lifestyle: Prioritize regular exercise, a balanced diet, and mental health to stay physically and mentally fit. Plan Financially: Save and invest wisely to ensure financial stability in your later years. Consider long-term care insurance and other financial products that can help cover future care needs. Stay Informed: Educate yourself about aging and the resources available to support you. Stay connected with community services and support networks. Be Proactive About Healthcare: Regular health check-ups and screenings can help detect and manage potential health issues early. Build a Support Network: Cultivate strong relationships with family, friends, and community members who can provide support as you age. Aging Life Care Management is an invaluable resource for families navigating the complexities of elder care. These professionals play a pivotal role in ensuring that older adults receive comprehensive, compassionate care while supporting and relieving the burdens on their families. By understanding and utilizing the services provided by these professionals, families can enhance the quality of life for their loved ones and themselves. For more detailed information and resources, the Aging Life Care Association website is an excellent place to start.
Local Services By This Author
Naborforce
Aging in Place 3015 West Moore Street, Richmond, Virginia, 23230Nabors Helping Older Neighbors Naborforce is a new service that is bridging the gap between full independence and home/companion care by providing light support for older adults who just need a friendly hand from time to time. We connect our clients to a network of Nabors for social engagement and on-demand support for errands, transportation and help around the home. Its who to call for help with all those little things that keep your parents or you independent and happy. Whether youre busy balancing your career, raising kids, live out of town or just need a little support, let Naborforce provide a backup son or daughter on-demand. Our goal is to promote productive, connected, and joyous aging and living. We are the perfect solution for active, independent older adults who dont need a caregiver yet. For older adults or families seeking licensed care, companion or home care is the right alternative.A Little Help Can Make a Big Difference Naborforce is on-call for the things that family or neighbors might help with if they were available. We all know that in this frantic, modern world, communities and neighborhoods have become more decentralized. Through our platform, Naborforce makes it simple to connect you or our loved ones to vetted folks right in your community. A short visit from a Nabor can make a world of difference. Our technology platform gives you quick and simple access to our corp of Nabors who are vetted and ready. Sign up and schedule visits online, or just give us a call. No cumbersome paperwork, no extensive consultations. And, if one hour is all you need, thats ok with us. Add family members to your profile and we will send them an update or photo from our visit. It could be sharing notes after a visit or maybe its a photo after a visit to the hair salon!Your Dallas - Fort Worth Naborforce team is ready to assist with of your help at home needs!PLEASE NOTE: Naborforce DOES NOT PROVIDE ANY PERSONAL CARE. We do not assist with bathing, feeding, dressing or toileting. Additionally, we do not provide medication management, wound care, safe transfers, or any other regulated activities. Should you need that level of care, please contact a home care agency.