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Long-term care is the care you need if you can’t perform daily activities on your own for an extended period of time. There are a number of different ways that long-term care can be provided.
Most long-term care involves assisting with basic personal needs rather than providing medical care. You are usually determined to need long-term care if you need help with two or more “activities of daily living” (such as bathing, dressing, eating, and going to the bathroom). Family members usually provide long-term care to start, but as an illness escalates paid care may become necessary.
The following are the types of long-term care:
Costs for care can vary widely, from a few hundred dollars a week to pay for coverage when family members are at work to $300,000 or more a year for around-the-clock home care or care in the most expensive nursing homes, perhaps with private aides hired on the side.
Long-term care costs, whether at home, in assisted living or in a nursing home, are paid primarily from three sources: out-of-pocket, Medicaid, and long-term care insurance. Medicare, the health insurance for people over age 65, only pays for up to 100 days of skilled nursing facility care following a hospitalization, and only for so long as the patient is deemed to need skilled care. It will also pay for skilled care at home -- in theory indefinitely, but this may take some advocacy.
There are plenty of reasons for family members to take care of aging or disabled loved ones. The role can be rewarding, bringing people closer to the people they love and allowing them to tailor care to their personal needs and preferences. But even the most dedicated family caregivers need a break to focus on their own well-being, especially around the busy holiday season. Thats where respite care comes in.Despite the fact that 1 out of every 5 Americans acts as a caregiver to a loved one, only 15% take advantage of respite care services available to them. Respite care can create better outcomes for caregivers and their loved ones alike. It gives family members time to rest and recharge so they can come back to the role with fresh eyes and renewed spirit.But what is respite care, and is it right for you? Lets take a look at the many benefits of hiring a home care agency to give you a helping hand when you need it.What is In-Home Respite Care?In-home respite care is a form of temporary relief from the responsibilities of caretaking. You get to set the termsit could mean hiring a professional aide for an afternoon, for several weeks, or anything in between. At ComForCare, our highly trained staff can come to your loved ones home to perform many of the duties you provide on a daily basis, including:Preparing meals and helping them eatHelping them groom, bathe, and dressProviding medication remindersGrocery shopping, picking up medications, and related errandsCoordinating care and transporting them to and from doctor appointmentsLight housekeepingUnlike adult day-care centers or respite care facilities, in-home care reduces the stress on your loved one by bringing care to them. They get to stay in their familiar environment with minimal disruption to their routineand you get a break to focus on your needs.Benefits of Respite CareManage Stress & Ward Off BurnoutOver half of family caregivers in an AARP survey reported that they experience moderate to high levels of stress related to their roles responsibilities. Combined with the added pressures of the holiday season, the winter months can quickly lead to burnout for those taking care of loved ones. Respite care gives you room to breathe, just like taking time off work. After all, though it can be deeply rewarding, caretaking is a form of labor. Working so hard without rest can take a serious toll on your mental health, which in turn can affect your ability to care for your loved one.Reduce Health Risks for Your Loved OneWhen were burnt out, busy, or bustling around more than usual, we can overlook important signs of illness or disease progression. Were only human, and can only focus on so many things at once. ComForCares home aides are specially trained to watch for warning signs that your loved one needs medical intervention or additional help. They can also provide you with a fresh perspective after months or even years of seeing your loved one every day.This is especially true if your loved one has recently suffered an injury or had a medical procedure. Temporary respite care during their recovery can reduce the risk of infection and rehospitalization. Its a way to optimize their healing process while taking some time to focus on your health, too.Find Support & a Social NetworkBetween 40% and 70% of family caregivers struggle with feelings of depression, often compounded or caused by isolation and loneliness. During this time of the year when were supposed to be celebrating togetherness, that struggle can begin to feel unmanageable. Not enough caregivers realize that there are support groups for people just like them, where they can come together, socialize, and share their experiences. Home care agencies like ComForCare can connect you with those resources.We do everything in our power to take care of our clientsand that means helping family caregivers just as much as it means assisting their loved ones with their daily needs. We have a wealth of knowledge about mental health resources and support systems, and were glad to share those with you while we give you a helping hand. Respite Care Isnt SelfishIts a GiftOne of the biggest hurdles to self-care can be feelings of guilt. Its easy to see taking time for yourself as a selfish act. But the reality is, taking a break is a gift to your loved one, too. Whether all you need is a day alone to catch up on errands or a week to take your first vacation in years, youll return as a more resilient, more compassionate, and more capable caregiver.At ComForCare, all of our employees are background checked, highly trained, and vetted for a passion for treating all their clients with dignity and respect. Whether they meet your loved one only once or on a regular basis, theyll provide the highest level of care so you can rest easy. To learn more about our work and find a schedule that will fit into your life and your budget, get in touch with us today!
Benefits of Senior Care at HomeAs we grow older, our needs change, and sometimes we require a little extra help to maintain our quality of life. Senior care at home has become an increasingly popular option for many families, offering numerous benefits that cater to the unique needs of older adults. Let's explore why this type of care can be so valuable for our loved ones.Comfort and FamiliarityOne of the greatest advantages of senior care at home is the ability to remain in a familiar environment. For many older adults, their home is filled with cherished memories and provides a sense of comfort that cannot be replicated elsewhere. Staying at home can help reduce stress and anxiety, which is particularly important for those dealing with memory issues or cognitive decline.Personalized CareEvery individual has unique needs, and senior care at home allows for a tailored approach to meet these specific requirements. Whether it's assistance with daily tasks, medication management, or specialized care for conditions like dementia, a personalized care plan ensures that your loved one receives the exact support they need.Companionship and Social InteractionLoneliness and social isolation can have serious negative effects on an older person's health and well-being. In-home caregivers not only provide practical assistance but also offer much-needed companionship. They can engage in conversations, share activities, and provide a friendly face to look forward to each day.Maintaining IndependenceMany older adults fear losing their independence as they age. Senior care at home allows them to maintain a sense of control over their lives while receiving necessary support. Caregivers can assist with tasks that have become challenging, enabling seniors to continue living life on their own terms.Family InvolvementHome care encourages family involvement in the caregiving process. This collaborative approach ensures that the family remains an integral part of the support system, promoting a holistic and well-rounded care experience.Flexible Care OptionsAs needs change over time, in-home care can be adjusted accordingly. Whether it's increasing the level of support or adding specialized services, the flexibility of home care allows for seamless transitions without the need for a major upheaval in your loved one's life.Peace of Mind for FamiliesKnowing that a trained professional is caring for your loved one can provide immense peace of mind for family members. This is especially true for those who live far away or have demanding work schedules that make it difficult to provide regular care themselves.Cost-Effective CareIn many cases, in-home care can be more cost-effective than moving to a residential facility, especially if 24/7 care is not required. It allows families to pay only for the services needed rather than a comprehensive package that may include unnecessary amenities.Promoting Overall Well-beingSenior care at home goes beyond just meeting physical needs. It encompasses emotional and mental well-being too. Caregivers can encourage seniors to stay active, engage in hobbies, and maintain social connections, all of which contribute to a higher quality of life.Specialized Care for Unique NeedsFor seniors with specific health conditions, such as Alzheimer's or Parkinson's disease, in-home care can provide specialized support tailored to these unique challenges. Caregivers trained in these areas can offer expert assistance and help manage symptoms effectively.Remember, growing older doesn't mean giving up on the joys of life. With the right support, seniors can continue to thrive in the comfort of their own homes, maintaining their independence while receiving the care they need. It's not just about adding years to life but adding life to years. Quality Care You Can TrustWith over a decade of experience and a team led by a registered nurse, you can trust that your loved one is in good hands with Rita's Home Care. We are passionate about helping those in need and ensuring they receive the best care possible, just as we would for our own family members.Whether you need traditional home care services for an elderly loved one, specialized dementia care support, or end-of-life care, our team is trained and equipped to handle it all. We understand that every individual has unique needs, which is why we offer personalized care plans to ensure your loved one receives the specific support they need to thrive.
Lets Get Heart Smart February Is American Heart MonthBy the time you read this, the reported deaths from COVID-19 and its variants in the U.S. will be close to 900,000. As staggering as that statistic is, its 400,000 short of the number of Americans killed by Heart Disease in the same time period. Heart disease is the leading cause of death for men and women of most racial and ethnic groups.Lets not allow the topic to overwhelm the fact theres a miracle inside your chest. Weighing about as much as a grapefruit, the heart is a powerful pump that drives five to six quarts of blood to every microscopic part of your body every second. And if it fails for even a second, the body is very unforgiving. Even though its the one piece of machinery driven by the brain, we tend to treat the heart like a kitchen appliance that we take for granted. Rarely serviced, rarely cleaned, and overworked until it burns out. Although heart bypass and transplant have become routine since the pioneering operations in the 1960s, its not like replacing the coffee maker you neglected too long.One Thing at a TimeThe better way to treat your heart with the respect it deserves is to start with changing just small habits. That way, youll avoid the relapse from trying to change everything at once and falling back to unhealthy heart habits inside of a month. The most obvious: if youre a smoker or heavy drinker, work on that first. Imagine a small team of remodelers arriving at your heart to do a makeover. The first thing theyre going to say is, Well, we cant do anything with the plumbing until we clear the smoke.Look for Help During Heart MonthQuitting smoking and reducing alcohol is never easy, but this is probably as good a time as any during the year to start a cessation program with help. February is American Heart Month, so youre likely to be reminded frequently of heart health and offered tips on modifying your routine to help your heart and prolong a happy life. If you only look to one place, trust the American Heart Association www.heart.org. Prediabetes and Heart DiseaseWhats your blood sugar level? If you dont know, you should find out from your doctor if youre not already monitoring it yourself. You could be pre-diabetic without knowing it or showing any symptoms. Theres a good chance you could avoid becoming diabetic and reverse your pre-diabetic blood sugar to normal with relatively little change to your diet and a slight increase inyour activity. Diabetes has long been linked to heart disease, but recent studies suggest that reversing prediabetes is also linked to fewer heart attacks and strokes. [Reversing Prediabetes linked to fewer heart attacks, strokes, heart.org, Jan. 26, 2021.]While youre at it, get your cholesterol tested and routinely monitor your blood pressure.If youre worried you might be at risk for heart disease, ask your doctor to perform a simple cholesterol test to let you know if youre at risk and should adjust your diet. Home blood pressure monitors are not expensive, theyre digital, and theyre easy to use. Blood pressure stations are common in supermarkets now, and you can also check your weight and pulse.Womens Heart HealthWhy the emphasis on womens heart health? The American Heart Association tells us that cardiovascular disease is the No. 1 killer of women, causing 1 in 3 deaths each year about one woman every minute. They devote an entire website to womens heart health: Go Red for Women (www.goredforwomen.org). Here are just a few of the common misconceptions about womens heart health:Myth: Heart disease is for men, and cancer is the real threat for womenFact: Heart disease is a killer that strikes more women than men and is more deadly than all cancer forms combined. While one in 31 American women dies from breast cancer each year, heart disease is the cause of one out of every three deaths.Myth: Heart disease is for old peopleFact: Heart disease affects women of all ages. For younger women, the combination of birth control pills and smoking boosts heart disease risks by 20 percent. Heart defects are more common than you might think: 1.3 million Americans alive today have some form of congenital heart defect and at least nine of every 1,000 infants born each year have a heart defect. Even if you live a completely healthy lifestyle, being born with an underlying heart condition can be a risk factor.Myth: I run marathons no way I could be at risk.Fact: Factors like cholesterol, eating habits, and smoking can counterbalance your other healthy habits. You can be thin and have high cholesterol. The American Heart Association says to start getting your cholesterol checked at age 20. Earlier, if your family has a history of heart disease.Age and Heart HealthMany things, like wine and most people, grow better with age. The heart, however, takes more tending than a glass of fine wine. Avoid things that weaken your heart beyond the normal aging process. These are the usual suspects: smoking and tobacco use, lack of exercise, diet, alcohol, overeating, and stress. Some preexisting conditions you cant control: irregular heartbeat, congenital (inherited) heart defects, sleep apnea (although this may be a product of obesity or alcohol consumption).Viruses and MyocarditisMyocarditis is an inflammation of the heart muscle mostly caused by a virus, including COVID-19, and can lead to left-sided heart failure. The left ventricle of the heart is the part that pumps oxygen-rich blood back to the body. This valve tends to stiffen with age. Thats one of the many reasons why age combined with a preexisting condition puts you at greater risk of death from COVID-19. Even survivors of the novel coronavirus infection can sustain permanent heart damage. All people must protect themselves and others from COVID-19 by observing precautions, not just because of its immediate lethality but also because of its impact on the heart, known and unknown.How to Start with Your HeartThe factors involved in heart health and the onset of heart disease are many, varied, and complicated. But the common preventions (listed here, from the Mayo Clinic) are simple. You probably already know them by heart, so to speak:Not smokingControlling certain conditions, such as high blood pressure and diabetesStaying physically activeEating healthy foodsMaintaining a healthy weightReducing and managing stressThose may seem like six significant challenges, especially if you take on all six. But you should notice something else about them. Almost every one of them can affect the other five. So, if you pick one, youll find it easier to take on the next one. People who quit smoking usually discover that they have more energy within the first week, and exercise becomes easier. A little exercise and switching out one unhealthy food will help with weight, stress, blood pressure, and diabetes. Easy does it, especially if youre 65 and older. Youve spent a whole life learning one way. You can take your time. Learn to enjoy your healthier heart. But start today.First, Get a Checkup!Most of the questions this article has raised in your mind (Whats my blood sugar level? Whats my blood pressure? I used to smoke am I at risk?) can all be answered in a single doctors visit with simple lab work done a few days before. Schedule it now, before you start a program of exercise and diet. And schedule a regular exam per your doctors recommendation. Relieving the stress of not knowing will be a good start on your way to a healthier heart.
Our Firm Prepares You for Life What makes our firm different is that we were built with the needs of growing families in mind. We understand you are BUSY, you are growing, you are planning for a life of prosperity and you value ease, convenience and efficiency. You are raising children, and caring for elderly parents, while also working hard to build your own nest egg for a lifetime of support. You want to know youve made the best decisions for your family and that your plan will work when your loved ones need it most. You want to make sure your minor children would be raised by the people you choose, and never by anyone you wouldnt want, and that your teens and adult children are properly prepared to care for you and what you leave behind. You want to feel confident that youve made the right choices, and handled everything so that you arent leaving behind a mess, when something happens. That is our focus as well. Weve developed unique systems to give you the same access to a Personal Family Lawyer as was previously only available to the super-wealthy, so you can have the guidance you need to build and maintain a life of prosperity and wealth. And, to keep your family out of court and out of conflict, which is the greatest risk to the people you love and all you have created, even if youve already worked with a traditional lawyer or created documents online. Our Team Is Here for You We encourage communication with our clients. In fact, weve thrown out the time clocks so you never have to be afraid to call with a quick question. Everything we do is billed on a flat-fee basis, agreed to in advance, so there are never any surprises. We have a whole team to serve you. When you call our office to ask your quick question, you wont have to wait hours or days for a phone call back. Youll get your question answered, right away. And, if you need to schedule a more in-depth legal or strategic call with your Personal Family Lawyer, a call will be scheduled when you're both available and ready for the call so we can make the very best use of your time and not waste your time by leaving voicemail after voicemail back and forth. And, we ensure the most important details of your planning are followed through on and your plan continues to work throughout your lifetime. We have a funding coordinator to ensure your assets are owned the right way throughout your lifetime and none of your assets will end up going through a long, expensive court process or being lost to the state because they were missed after your death. Weve created unique membership programs to keep your plan up to date year in and year out as well as give you access to our Trusted Team of Legal Experts for guidance on ANY legal or financial matter. One day you will need a lawyer. I dont know why and I dont know when, but when you do, you will be grateful you can call on us and well be here to advise you or get you out of a jam. We Help You Transfer Your Life and Legacy Lastly, we believe your financial wealth is only a small part of your overall Life and Legacy Planning which is made up of your far more valuable and most often lost upon incapacity or death intellectual, spiritual and human assets. These assets are what make you who you are, and sum up whats most important to you. And, a survey of inheritors has revealed that what they care about even more than inheriting your money, is inheriting these intangible assets. Most estate plans only focus on the transfer of your financial wealth to the next generation. Most people have such great intentions of passing on the intangible, but very few ever get around to it. Its just not a priority, until its too late. How much do you know about your grandparents values? Their most prized personal possessions? How they felt about you? What they had learned during their lifetime? If you are like most people, you know very little. Thats why we build the capture and passage of these most valuable assets into every estate plan we create. Not only will we help you pass on your money, but also your values, your insights, your stories and your experience the truly valuable assets your loved ones care about the most. Weve developed a tool that allows us to capture and pass on your whole family wealth, including your Intellectual, Spiritual and Human assets. I cant go into all of the details here, but well definitely talk about it when you come in for your Life and Legacy Planning Session.