When Assistance with Long Term Care Becomes Necessary

According to the Administration on Aging, it is estimated by 2030, the older population will more than double to approximately 71.5 million. It is also estimated that between 39 to 49 percent of people will use nursing home services during their lifetime. Unfortunately, there may come a time when your loved one may require assistance with long term care. The following is a list of warning signs one should be aware of when evaluating your loved one's situation. If the senior exhibits two or more of these signs, assistance is likely required:

? When your loved one or their spouse can no longer provide care due to debilitating health conditions

? When your loved one experiences difficulty with walking, or is unsteady when standing

? When your loved one's safety is compromised due to hazards in the home such as stairs, poor lighting, cluttered walkways, and dangers in the kitchen or bathroom

? When your loved one needs assistance with daily activities such as bathing, dressing, and meal preparation

? When your loved one becomes confused about taking their medications

? When your loved one is afraid of falling or being alone

? When your loved one exhibits changes in personality or has sudden mood swings

? When your loved one is no longer able to manage their finances and requires assistance with administering their monthly household expenses

If you feel assistance with long term care may be necessary, have a discussion with your loved one and talk to them about their concerns and desires. It's important to help your loved one maintain their independence for as long as possible. Your loved one should be involved in the decision making process as long as their decisions do not negatively impact their health and safety. Talk with other family members and get their input as well. If necessary, discuss your concerns with your loved one's physician, attorney or financial advisor, and make sure all aspects of their long term care needs have been met. It's never too early to be concerned about your loved one's long term care needs. Being aware of their needs and continually reevaluating their situation will help ensure the long term needs of your loved one will be met.

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You have permission to use this article as long as the author's full bio is present as well as any hyperlinks to author's website.

Torey L. Farnsworth, CSA has over 12 years of experience working with seniors. Ms. Farnsworth's vast expertise encompasses a wide variety of senior issues ranging from adult care to elder law. Most recently, Torey served as Elder Law Director and Paralegal for a Phoenix based law firm where she provided assistance in a variety of areas including long term care planning, estate planning, ALTCS eligibility and Medicaid planning. Ms. Farnsworth is also a certified caregiver with the State of Arizona as well as a Certified Senior Advisor. Ms. Farnsworth has spent her career in senior care as her family owns and operates assisted living homes.

Ms. Farnsworth currently owns her own senior care placement business called Horizon Senior Care Referral. Her placement services are free to seniors and their families in Arizona. For more information, visit <a target="_new" href="http://www.adultcarecentral.com">http://www.adultcarecentral.com</a>

Paying For Elder Care Just Got Easier

It's not a surprise that thousands of families across the nation are facing the challlenges of an aging population. The "sandwich" generation, those who are caring for their children as well as their parents, have been feeling the financial pinch of caring for loved ones. Paying the high cost of Elder Care can cost a family thousands of dollars a month. Too many families are unaware of how utilizing a loved one's life insurance policy can not only pay for Assisted Living and Nursing Home care, but can maintain the standards of living for the remaining spouse.

Not too many financial specialist inform their clients who have purchased life insurance policies with a death benefit over $250,000 that they can utilize a somewhat unknown option on their life insurance to pay for the high cost of Elder Care. It is called a Life Settlement and it can fully take the financial burden off of families who struggle to keep their loved one in a quality facility.

A policy owner has the right to sell his or her life insurance policy to an institution for signifantly more than the cash value of the policy. For example, a life insurance policy with a $500,000 death benefit and a $75,000 cash value can be purchased for $250,000 and up. This money can be used now to pay for assisted living, nursing homes as well as in home services also. The procedure is relatively quick with minimal paperwork. It is senseless to struggle financially to pay for the needs of elderly loved ones when they can utilize their life insurance policy to pay for care. Many, many times life insurance policies lapse when a loved one goes into assisted living or a nursing home just out of financial neccessity as well as through medicaid planning.

Instead of letting a policy lapse or into surrendership, smart families are looking into life settlements as a funding source for the high expense of Elder Care.

Chuck Bongiovanni, M.S.W. has been helping seniors and their fanmilies for over 20 years in the assisted living industry. Chuck can help your family investigate your options for paying for Elder Care through a Life Settlement. You can go to his website at <a target="_new" href="http://www.LifeTransitionsOnline.com">http://www.LifeTransitionsOnline.com</a> or call him directly at 480-703-7005.

As the Baby Boomers Age

Many employees today are calling in sick - not to care for themselves or their children, but to care for their aging parents. Baby boomers are rapidly moving into the role of caregivers for their parents, but with a few extra challenges due to the changing face of our workforce. Nearly 25% of U.S. households are now involved in caring for a senior family member, spending an average of 20 hours a week in caregiving services. Nearly 65% of those individuals providing the caregiving are employed outside of the home. According to the National Alliance for Caregiving, approximately 15 million days of work per year are lost due to these circumstances. These numbers are forecasted to increase since the longevity of life is being extended by modern medicine.

The workforce is also aging with more people moving toward retirement age and fewer young people filling the ranks. The median age of workers has risen by five years since 1986, making the average worker 40 years old. Women in this age group, who are primarily the caregivers for their parents, continue working full time in order to support their family, pay their children's college tuition, or save for their own retirement. These situations are even more compounded because many baby boomers have relocated away from their senior family members to pursue job opportunities.

Another issue facing baby boomers and their families is the cost of care for their senior family members. Many members of the sandwich generation will be shocked to find out what the cost of prescription medications really run, especially since many of the medications are not covered by Medicare. This will cause many retired seniors and some baby boomers to continue their pursuit of a career, and not enjoy their Golden Years.

When faced with these issues, it is always best to have some future plan in place. Do not wait until mom or dad is in the critical care bed or is being discharged from the hospital. Here are a few suggestions for the potential or current caregiver to contemplate:

1. Talk to your parents and/or family members before a crisis. This will help you and all those involved to truly understand their wishes. Discuss with them the topics of Medicare, health insurance, long-term care insurance, and if they have other important legal documents regarding medical treatment (i.e., Living Will, Durable Medical Power of Attorney, etc?).

2. Locate any community resources that may be available to you and your family. The Valley of the Sun has numerous services available for the elderly (i.e. Area Agency on Aging, Meals on Wheels, Adult Day Care Facilities, Housing, etc?). You can access many of these services via the local hospital or skilled nursing facility discharge planners, senior citizen centers, or even the local clergy.

3. Ask your employer if they can help. Many employers are willing to help employee caregivers in order to retain valuable workers. Find out if your employer offers paid leave benefits for flex hours. Some employees are even beginning to include long-term care insurance or caregiver respite programs in their benefit package.

4. Ask friends and family for help. Ask them what experiences they have had with some of the community services. Many of these people may have already gone through this and can be of assistance.

5. Talk to your local clergy. Many local churches and synagogues have family assistance programs or have access via their denominations. If these services are not available, most clergy are familiar with what can be obtained by you or your family.

Caring for our aging parents may be one of the more challenging roles we undertake in our adult lives. With forethought, consideration and a little planning on everyone's part, it can actually have a more positive outcome.

Hearts of Joy Senior Care provides an affordable, non-medical, in-home companion care service for seniors, which enables them to maintain their independence, as well as dignity and self-respect. Marc and Susan speak around the valley on numerous topics regarding senior care, with a primary focus on fall prevention and home safety. Hearts of Joy Senior Care Inc. can be reached at (480) 948-4655.

Stairlifts ? Take the Struggle Out of Climbing the Stairs

Buying a stairlift can have huge benefits for your quality of life, giving you back some freedom and independence. Stairlifts can be adapted to your individual needs, so no matter what your requirements are, there'll be one to suit you. The stairlift company representative who visits your home can assess what type of design would be best for you. There are two main sorts. Straight stairlifts are suitable for staircases that don't have any bends. They glide in a straight line up and down the stairs. If your staircase has corners or curves, a curved stairlift will be necessary to negotiate the turns.

Your mobility needs will be taken into account. As it is safer to sit down when using a stair chair lift, seated stairlifts are the most common design. It is possible to install a stand-on stairlift if you have difficulty bending your legs, but this type of stair lift can usually only be installed on a straight staircase and may have a weight limit. A perching stairlift is an option for people who can't bend their knees to a sitting position and are unable to straighten their legs out. Some public buildings have stairlifts with wheelchair platforms, but these need a lot of space and are often too wide to be fitted to a residential stairway.

Your new stairlift can also be adapted to make it easier for you to use. It's essential to be safe and comfortable when using a stairlift. Special features can be added to give you more confidence to operate the lift on your own. For example, if you suffer from arthritis in your fingers, you can have a joystick instead of button controls. By choosing a reputable company you can expect to get expert advice to help you choose the best sort of stairlift for your particular needs, which should make life easier and take the fear out of struggling with the stairs on a daily basis.

A reputable stairlifts company can assist you in getting the most out of your new stairlift, so there's no need to struggle with the stairs any longer.

Caroline Smith is a successful freelance writer who has written many articles for <a target="_new" href="http://www.1-stair-lift.com">http://www.1-stair-lift.com</a> the leading information resource on <a target="_new" href="http://www.1-stair-lift.com">stairlifts</a>, including curved and <a target="_new" href="http://www.1-stair-lift.com/straight-stairlifts.html">straight stairlifts</a> from a vast selection of quality manufacturers.

Alzheimers Care Giving While Maintaining Your Own Health

Just for a moment I want you to imagine that you are coming out of a very deep sleep. If you have ever had surgery try to remember the way you felt as you were trying to make sense of things as you awoke. As you imagine or remember this sensation do you find yourself wondering if it is morning or night? Are you trying to remember where you are? Do you have a startle reaction and think for a moment that you are late for work or forgot to pick up your children at school? I have had that upsetting feeling if I wake up in the middle of the night or even after a nap. Now imagine that same fog every moment of your life.......

So many care givers find themselves frustrated with an Alzheimer's sufferer. They may say things like "He just doesn't seem to care if I am with him or not" or "He doesn't enjoy doing anything any more." I know that it is so hard to accept the changes in your loved one and know that this is going to be your reality. If you can remind yourself that the behaviors are organic it will help. The plaque is building up and spreading over the surface of the brain just as a grassfire moves across a dry field. As it covers more areas your loved falls deeper into that fog. Alzheimer's disease doesn't show up like a broken one or a surgical scar but the effects are just as real.

When the things they say or do cause you to feel angry or sad do you best to remember that it is the disease...not your loved one. That's when it is time for some care giver TLC.

Care giver burnout is a very real occurrence. If you are caring for someone you must include your own needs each day. Your health may decline at a faster rate than the person you are caring for if your dietary, emotional and physical needs are not met. Skipping your checkups with Dr.s is not an option.

You may be asking &quot;How am I supposed to do all of this all by myself?&quot; The answer is simple. You can't do it all alone. The first step to healthy care giving is accepting the fact that you have limitations. Every human being does. You can only stay awake, maintain your health and keep up with the demands for a limited amount of time. When you reach your limit you may find yourself suffering from care giver burnout. You may have trouble concentrating, experience nervous tension, and you may find it difficult to fight off resentment toward your loved one or others in your family that you feel should be assisting you.

Reach out. Call upon your family, friends, church and community organizations. Your local hospitals will have information regarding community resources. This information can usually be found by contacting the Social Services Department. Another good resource is the Alzheimer's Association. By taking care of your health you will, in turn be a better care giver.

Deborah Uetz

Author of Into the Mist, When Someone You Love Has Alzheimer's Disease

Deborah Uetz
Author of Into the Mist, When Someone You Love Has Alzheimer's Disease

5 Myths You Should Know Before Choosing Elder Care

Myths associated with selecting quality nursing home care suggest quick and easy ways to identify quality care. In fact, relying on these myths can lead to disastrous results. I have identified a few of the most common myths in hopes of helping you avoid some of the problems commonly found in many nursing homes.

1. The Smell Test

You've heard it repeatedly: "The best way to determine the quality of care a nursing home provides is to be alert to bad odors when you visit the home."

It seldom, if ever, works. Why? Nursing home administrators have heard the very same advice. As a result, they are particularly sensitive to unpleasant odors in any area that might receive visitors. Almost all will do their best to remove offensive odors as quickly as possible, even when it means avoiding their primary responsibility to their residents.

2. The Personal Recommendation

Recently, I heard a guest on a radio talk show state that the very best way to find great nursing home care is to get recommendations from a friend. Like other myths, there is a grain of truth here, but you must check whether your friend has had extensive interactions with the nursing home recommended. Often that is not the case.

Last weekend I dealt with an emergency call from Jim, a friend who had placed his mother in a nursing home recommended by a friend. Although she was recuperating from a stroke, no nurse or aide checked on her condition for more than 14 hours. Jim discovered her in the morning with many cuts and bruises, her bedsheets soaked in blood. He was astonished that anyone would recommend such a poor care facility.

"My friend said her grandmother was in this particular nursing home," he reported. "So, I thought it would be good care."

"How often does your friend visit her grandmother?" I asked him.

"I didn't think to ask," he responded.

"And did you check the latest survey for that nursing home?"

"No," he answered. "I thought a personal recommendation was all I needed."

Jim's mother is now back in an area hospital. No one knows yet how much damage this experience caused to her recovery.

3. You Get What You Pay For

Nowhere is this statement less applicable than in nursing home care. In fact, I'd replace it with another shibboleth -- "Buyer Beware." Our own research, encompassing more than 6000 nursing homes and more than 100 assisted living facilities shows no relationship between cost and quality of care. You may find quality care in an expensive facility, or you may not! Similarly, the fact that a facility is low-cost does not indicate whether you'll get poor, average, or quality care. You have to do your homework. Relying on price as the sole indicator of quality care can lead to disastrous results.

4. Adequate Staffing Equals Quality Care

A recent report by the Senate's Special Committee on Aging indicated that quality care for a single nursing home resident requires more than three hours each day of nursing and nursing aide time. However, statistical analysis of the latest federal database on nursing home deficiencies indicates no relationship between quality of care and staffing levels. This finding is consistent with a number of university studies.

What should you look for, then, in nursing home staffing levels?

There is a level below which nursing homes are so understaffed that quality care can not be provided. I'd suggest that you not consider any home providing a level less than two hours per day per resident. For levels greater than this, I'd focus not on the number of hours available for care but on the motivation of staff available to provide care. Those who are motivated to care for the elderly will do so. Those who are motivated only by a paycheck will probably provide shoddy care regardless of their numbers.

5. A Well-Known Chain Will Provide the Best Care

This is another myth that can lead to tragedy. Sometimes, well- known companies do provide top-quality care. In other instances, however, a quick review of newspapers and magazines will show you other companies with long records of legal troubles stemming from accusations of neglect and abuse. One such company has been sued simultaneously by several states' attorneys general.

How will you know? The company is not likely to tell you, so you won't know unless you take the time to look into the company's historical performance.

There you have it -- 5 myths exploded!

What does work? There is no substitute for your own personal investigation. With a little research, with personal visits to nursing homes before you sign anything, you can avoid many of the difficulties that have come to those who relied on such myths.

About The Author

Copyright 2002, Phyllis Staff. Phyllis Staff, Ph.D. - Phyllis Staff is an experimental psychologist and the CEO of The Best Is Yet.Net, and the author of How to Find Great Senior Housing: A Roadmap for Elders and Those Who Love Them (2002).

<a href="mailto:pando19@direcway.com">pando19@direcway.com</a>

Stair Lift Buying Guide

There is no doubt that having a stair lift in your home can dramatically improve your quality of life. If you are starting to find that climbing the stairs is becoming a hazardous experience, or just hard work, then a stair lift could be the answer. Another solution could be to move to a single storey residence. However, this can be expensive and stressful, and many people are reluctant to leave a house that they have spent many years turning into a home.

Once you start considering the possibility of having a stair lift, you begin to delve into what can be a highly technical area. However sure you are of what you want, I strongly recommend that you take professional advice from someone with experience in this field. In most areas, informed advice is available from community occupational therapists (OT's). You will also need to make contact with a company who specialises in installing stair lifts. I would advise that you contact at least 3 companies because there can be a huge difference in price and quality. Unfortunately, as the populations average age increases, more and more unscrupulous traders have entered the market and you need to make sure that you are not being ripped off.

If possible visit a demonstration centre and try a stair lift yourself. A stair lift is not the answer for everyone. For example, if you are confined to a wheelchair, then a lift that goes through the floor would probably be the best option.

The technology involved in stair lifts has improved dramatically in recent years. A stair lift can be installed on 99% of stair cases these days. But remember, not all stair lift companies are equal, some are using technology that is several years old. My advice is to research as many products as you can and to get as many quotations as you can. Knowledge is power after all, and with a few sensible precautions before purchase, you can ensure that you buy the right lift for your needs for the right price.

Remember : Always get more than one quote and make sure that the products are 'like for like'

Try a manufacturer and a local supplier to get a price comparison.

Ask your local authority or Occupational Therapist who they prefer to use.

If possible have another family member or an O/T present.

Ask about maintenance costs, will they still look after your lift even if you don't sign up to an expensive contract? A reputable company will service your lift regardless.

Are the company approved suppliers? If not, they will struggle to obtain spare parts and their engineers will not be trained by the manufacturer.

An independent supplier can tell you about a range of different stair lifts without bias to one manufacturer.

Exercise caution if the salesman is pushing you to buy that day. Many salesmen start with a high price and discount to close a sale. A reputable company will quote the best price from the start.

If possible try a lift out in a Disabled Living Centre showroom. A stair lift is not suitable for everyone.

Do as much research as possible, there are many companies in this industry who sell at highly inflated prices.

Christian Dunnage is a director of Dolphin Mobility Ltd, a UK based independent supplier of stair lifts and mobility products <a target="_new" href="http://www.dolphinlifts.co.uk">http://www.dolphinlifts.co.uk</a> and author of <a target="_new" href="http://www.stairlift.co.uk">http://www.stairlift.co.uk</a> an impartial online guide to having a stair lift in your home.