Thank Goodness for Beneficent - Long-term Care Planners!

People over the age of 65 are more likely to be readmitted than younger patients, and readmission can be more serious for seniors.Readmission after an illness or injury is a serious health issue for seniors. However, it is important for seniors and their loved ones to remember that in many cases, readmission is avoidable and can be prevented with a thoughtful post-hospital care plan.Nearly one-fifth of all Medicare patients in the United States who are discharged from the hospital end up returning within 30 days.  There are many reasons seniors may need to be readmitted to the hospital, but healthcare agencies are focused on finding ways to reduce these numbers and educate patients about how to have a healthier recovery at home.For many seniors, this means having a quality caregiver that can help them overcome some of the main preventable causes for returning to the hospital. Consider the following:Medication is critical: Some seniors need assistance taking medication in the right amount on the correct schedule. When you consider that, on average, seniors with chronic conditions fill 50 different prescriptions annually, it is not difficult to imagine how someone could get confused when a new medication is added to their regimen. Caregivers can not only remind seniors to take medications as prescribed, but they can also help seniors keep a list of those medications and their dosages so the information is readily available for healthcare professionals. Managing medications is one of the best ways a caregiver can help seniors during their recovery.Follow up visits prevent readmission: A full two-thirds of patients readmitted to the hospital would have avoided that trip if they had seen their physicians within two weeks for follow up. The reasons for not following up vary but can include transportation difficulties and forgetting to make or keep appointments. Hospital staff can aid the senior by setting up appointments for the individual before discharge, but getting to the appointment can still be a challenge. In addition to a host of uplifting care services, caregivers can provide transportation to appointments and keep track of any post-care visits.Discharge plans only work when implemented properly: Having a discharge plan for the patient before he or she leaves the hospital can be crucial for recovery, but it can be difficult for seniors and their family members to focus on the plan during the stress of the illness and discharge. Caregivers can help the senior follow the instructions and will connect with family or other approved individuals when there are problems or change in condition during recovery. They can also help explain the information or ensure that the appropriate person is notified if the older individual has questions about his or her course of treatment. This takes the stress off the family and the patient so he or she can focus on recovery.Having a helping hand during recovery can ensure positive outcomes and a return to an active, engaged life. Family members, friends and neighbors are often willing to serve as a post-hospital recovery caregiver, but there is professional help available for those that dont have someone nearby to assist them. For long-term recovery, those who have the assistance of friends and family can benefit from a professional caregiver to provide respite care and support.Comfort Keepers Can HelpComfort Keepers caregivers can help with encouragement, support and assistance with daily living. And caregivers can encourage overall health through meal planning, grocery shopping, meal preparation and activities. Our custom care plans focus on physical and mental health and wellness activities. Our goal is to see that clients have the means to find the joy and happiness in each day, regardless of age or acuity.To learn more about our in-home care services, contact your local Comfort Keepers location today.ReferencesRelias. What you need to know about readmission among seniors. Web. 2016.American Hospital Association. Examining the drivers of readmissions and reducing unnecessary readmissions for better patient care 2011 AHA Policy Research. Web. 2011.Robert Wood Johnson Foundation. Ten things you should know about care transitions. Web. 2013. 

It's common for our vision to change with age. For many seniors, these changes can lead to significant vision loss, making everyday tasks challenging. Family members and caregivers can provide vital support that helps seniors cope with these challenges.Encouraging Open CommunicationTalking about vision loss can be uncomfortable, but it must be addressed openly. Start by gently asking the senior about any changes they've noticed in their eyesight. Let them share their experiences and fears.  Listen actively. Pay attention to what they are saying without interrupting. In addition, validate their feelings. Let them know that it's okay to feel sad, angry, or frustrated about their vision loss.Providing Emotional SupportVision loss can be emotionally overwhelming. It's normal for someone to feel stressed or depressed about losing their sight. Recognizing these feelings and offering empathy is essential. Show understanding. Explain that their emotions are a normal reaction to vision loss and let them know that you're listening. If needed, encourage professional help. Suggesting counseling can sometimes help seniors manage their feelings better.By being there emotionally, you can help alleviate some of the mental stress associated with vision loss.Helping Seniors Engage in Meaningful ActivitiesStaying engaged in hobbies and activities can greatly enhance a senior's quality of life. However, activities must be adapted to accommodate vision loss. Look for ways to adapt to current hobbies. For instance, if they enjoy reading, consider audiobooks or large-print books.As your loved one's vision changes, try to introduce new, vision-friendly activities. Gardening, music, or board games designed for low-vision individuals can be fulfilling. Use technology and assistive devices as needed. Devices like talking clocks, magnifiers, and screen readers can help them continue to enjoy activities they love.Resources for Support Groups and Counseling ServicesFinding support outside of family can also make a big difference. Local and national resources are available for seniors coping with vision loss. Organizations such as the American Foundation for the Blind and VisionAware provide online support and resources.Local support groups can also be incredibly valuable. These groups can offer a sense of community and shared experiences, making it easier for seniors to cope.The Importance of Self-Care for CaregiversCaring for a senior with vision loss can be demanding. Recognizing caregiver burnout and taking steps to care for oneself is vital. Watch for burnout signs. Emotional exhaustion, frustration, and feeling overwhelmed are common signs. Regular exercise, hobbies, and time with friends can help maintain your emotional and physical health.Don't hesitate to ask for help or hire professional respite care when needed! Taking care of your own health ensures you can continue to provide the best support for your loved one.Professional Care for Seniors with Vision LossSupporting seniors with vision loss involves open communication, emotional support, and helping them stay engaged in meaningful activities. Remember to utilize support groups and counseling services, which can make a significant difference. As a caregiver, make sure to prioritize your own self-care, too.For personalized support and services in Fort Collins, Loveland, Greeley, Wellington, and Longmont, contact Senior Helpers Greeley. Our home care services can provide vital support for seniors with vision loss and their families.

Managing the financial aspects of long-term care for elderly loved ones can be a complex and challenging task for family caregivers. From planning for in-home support to exploring options like assisted living or nursing home care, the financial burden often adds to the already significant emotional and physical responsibilities they face. This article offers an overview of financial strategies and insurance options, providing valuable insights to help family caregivers navigate the complexities of long-term care planning and ensure their loved ones receive the care they need without undue financial strain.Understanding Long-Term Care NeedsLong-term care involves a variety of services designed to support seniors who need help with daily activities and medical care over an extended period. Whether its assistance with tasks like bathing, dressing, or managing medications, long-term care ensures that seniors are safe, comfortable, and well-cared for. The type of care can vary, from in-home support, where assistance is provided in a familiar environment, to more structured settings like assisted living facilities and nursing homes that offer continuous care and supervision. A study by Genworth Financial found that the average annual cost of a private room in a nursing home in 2023 was $108,600. Knowing the available options can help families make the best decisions for their senior loved ones.Cost Factors of Long-Term CareThe cost of long-term care is a significant consideration when planning for the future. Several factors affect these costs, including the level of care needed, where the services are provided, and how long the care will be required. For instance, in-home care may be more affordable than nursing home care but can still add up if ongoing daily assistance is necessary. Assisted living facilities offer different levels of support and amenities, while nursing homes typically provide the highest level of care at a higher cost. Nationally, costs can range from around $4,500 per month for assisted living to over $9,000 per month for nursing home care, depending on location and the level of care. Understanding these factors is key to ensuring that senior loved ones receive the best care within the familys financial means.Assessing Your Loved Ones Financial SituationFor family caregivers, understanding the financial situation of an elderly loved one is a critical step in planning for long-term care. Its essential to evaluate current assets such as savings, pensions, and Social Security income to determine how these resources align with future care needs. This process involves reviewing total assets, including any investments and retirement funds, and comparing them to the monthly income your loved one receives, such as Social Security benefits or pension payments. Recognizing potential gaps between current income and anticipated care expenses is key to making informed decisions about long-term care options and exploring any additional financial support that may be required.Tracking and Organizing Financial DocumentsMaintaining accurate and organized financial records is crucial for caregivers managing long-term care planning. Its important to collect all relevant documents, such as medical bills, insurance policies, and bank statements, and ensure they are easily accessible. Establishing an organized system, either digitally or through physical filing, can help caregivers keep track of essential items like wills, power of attorney forms, and healthcare directives. A survey by AARP found that 84% of caregivers reported that managing their loved ones finances was stressful.  This ensures that financial records are in order and available when needed, making it easier to navigate care decisions and avoid any confusion down the line. Properly organizing these documents is a practical step in preparing for the evolving needs of elderly loved ones.Building a Long-Term Financial StrategyCreating a solid financial plan for long-term care is essential to ensure elderly loved ones receive the care they need. With rising healthcare costs and uncertain future expenses, its important to build a strategy that addresses both current and future needs. This includes budgeting for ongoing care, preparing for unexpected costs, and seeking professional financial advice. Here are key considerations for developing a long-term care strategy.Creating a BudgetFamily caregivers face the challenge of creating a realistic budget to cover the many costs associated with caring for an elderly loved one. This involves accounting for essential expenses such as healthcare, housing, and daily living costs like food and transportation. A study by the National Alliance for Caregiving found that 36% of caregivers reported moderate to high levels of financial strain due to caregiving responsibilities. Additionally, planning for potential future costs, including inflation and evolving care needs, is important. By developing a flexible budget, caregivers can better manage unexpected expenses, such as medical emergencies or necessary equipment, ensuring their loved ones receive continuous support without straining financial resources.Establishing an Emergency FundAn emergency fund is a crucial financial safety net for caregivers, providing a buffer for unforeseen medical situations or urgent care needs. Ideally, this fund should cover at least three to six months worth of expenses, but caregivers can start small and build over time. Setting aside even a small portion of monthly income can make a significant difference in handling unexpected costs without disrupting overall financial planning. Having this financial reserve helps caregivers feel more secure in managing the unpredictable nature of caregiving.Working with a Financial AdvisorCollaborating with a financial advisor or elder law attorney can be a valuable step in long-term financial planning. These professionals offer guidance on more complex financial matters such as tax benefits, estate planning, and managing long-term care insurance. They can also help caregivers navigate legal issues like power of attorney and healthcare directives. Engaging with a financial expert ensures that caregivers are well-prepared to manage both present and future financial responsibilities for their loved ones, reducing stress and providing peace of mind. Exploring Insurance Options for Long-Term CareWhen planning for long-term care, understanding the available insurance options is crucial for family caregivers. Different programs and insurance plans can help cover the costs of care, but its important to know what each offers and the requirements for eligibility. Below are key options that can assist in managing long-term care expenses for your elderly loved ones:Long-Term Care Insurance:This insurance helps cover costs for in-home care, assisted living, and nursing homes. Its best for those wanting to protect savings, and purchasing early helps keep premiums lower. Eligibility is based on factors like age and health, making early consideration important.Medicare and Medicaid: Whats Covered:Medicare only covers short-term care, not long-term services like nursing homes or ongoing in-home care. Medicaid covers long-term care but has strict income and asset requirements. Understanding both programs helps caregivers plan effectively for care costs.Veteran Benefits:Veterans may qualify for benefits such as Aid and Attendance to assist with long-term care expenses. Exploring these options can ease financial strain for veterans and their families, so knowing eligibility and applying is crucial.Government Programs and AssistanceWhen caring for elderly loved ones, government programs can provide crucial financial support for long-term care. Understanding how these programs work and how to access them can help ease the financial burden on family caregivers. Social Security BenefitsSocial Security can be a vital source of income for elderly loved ones, helping to cover some long-term care costs. While it wont cover all expenses, it can assist with daily living costs or contribute to care services. However, its important to be aware of how Social Security benefits might impact Medicaid eligibility, as receiving benefits could affect qualification for certain programs.Medicaid PlanningMedicaid is one of the most important resources for covering long-term care, especially for those who have limited financial means. Qualifying for Medicaid can be complex, requiring careful planning to meet income and asset requirements. Early Medicaid planning is essential, as it allows you to make the most of the available benefits and ensure that your loved one qualifies when the time comes.Legal Considerations and Planning AheadPlanning ahead for legal matters is crucial to ensure elderly loved ones are protected and their wishes are respected. Setting up the right legal documents early can provide clarity and make decision-making easier as care needs evolve. According to a study by the National Academy of Sciences, Engineering, and Medicine, only 23% of adults have a living will or other advance directive. Here are key legal considerations for family caregivers to keep in mind:Power of Attorney and Healthcare Directives: A durable power of attorney allows a trusted individual to make financial and healthcare decisions on behalf of an elderly loved one if they become unable to do so. Healthcare directives, like a living will, ensure that medical preferences are respected. Having these documents in place helps avoid confusion and ensures decisions align with your loved ones wishes.Wills, Trusts, and Estate Planning: Proper estate planning protects assets and ensures financial wishes are followed. Wills and trusts can help minimize long-term care costs, preserve wealth, and avoid probate. Early planning is essential to safeguard an elderly loved ones financial future and provide peace of mind for the entire family.Starting Financial Conversations: Talking about finances can be challenging, but its an important step in planning for the future. Approach these conversations with respect and transparency, allowing your elderly loved one to express their concerns and preferences. Open communication ensures that financial decisions reflect their wishes and contribute to better care planning.Planning for the UnexpectedWhen caring for elderly loved ones, family caregivers must be prepared for sudden changes in care needs. A decline in health, unexpected hospitalizations, or the need for more intensive care can create financial challenges. A survey by the Alzheimers Association found that 39% of caregivers reported significant financial strain due to unexpected expenses related to caregiving. Planning ahead by building an emergency fund and understanding what insurance covers can help ease the burden. Regularly reviewing and adjusting the financial plan ensures caregivers are ready to adapt to these changes without causing unnecessary stress.At the same time, its essential for caregivers to maintain their own financial well-being. Balancing the needs of a loved one with personal financial goals is crucial to avoiding long-term strain. Setting boundaries on financial contributions, continuing to save for the future, and seeking professional financial advice can help caregivers manage these responsibilities while protecting their own financial health. Taking care of their finances ensures caregivers can provide support without compromising their own stability.In summary, effective financial planning is key to ensuring that elderly loved ones receive the care they need while reducing the stress on family caregivers. By exploring insurance options, setting a budget, preparing for unexpected changes in care, and addressing legal matters, caregivers can create a strong financial foundation. Starting early and seeking professional guidance helps avoid financial surprises and ensures that both the caregiver and their loved one are better prepared for the future, providing peace of mind and the ability to focus on what truly mattersquality care.