by Bill Miller | Jun 8, 2018 | Caregivers, Elder Law, Nursing Home, Special Needs
Calvin was becoming more frail every day. Daisy, his wife of 52 years, was finding it difficult to help him with his daily living activities. After several trips to the emergency room, Calvin’s doctor told them that he needed in-home nursing care. Daisy was left wondering, “What now?”
Locating the Right Caregivers
If you find yourself in this situation, the first thing to do is to find out exactly what kind of care your spouse needs. This will help you locate the right care and apply for the appropriate benefits.
For example, will your spouse need help only with activities of daily living like bathing and dressing? Or will he or she need a home health aide for skilled nursing care like taking vital signs and assisting with medication? Home caregivers may be hired through an agency or by private means while skilled health care workers are typically hired only through an agency.
Once you know what activities your in-home nursing staff will be responsible for, you can start looking for a caregiver that offers the assistance you need.
Paying for In-Home Nursing Care
In-home care is less expensive than long-term residential care, but it can still be out of reach for many people. As with long-term care, there are three basic ways to pay for in-home care:
- Self-pay. Even in-home care costs may quickly deplete your savings.
- Long-term Care Insurance. Benefits could help pay for both in-home and institutional care. Like all insurance, you have to apply and be approved. It’s likely that someone in Calvin’s position would be ineligible or would have extremely high premiums.
- Government Benefits. VA benefits might be available if you or your spouse served in the armed forces. Medicare might cover limited in-home care for a short period of time, but it’s not an option for the long haul. Medicaid does cover skilled care and assistance with daily activities.
Pre-Planning Is Best.
No one wants to think they may need in-home care, but it happens. Plan ahead with comprehensive estate planning, Medicaid eligibility planning, and purchasing insurance when possible.
The attorneys at Miller Estate and Elder Law have the experience and training to handle your concerns. Contact Miller Estate and Elder Law at 256-251-2137 to schedule an appointment. We help clients in Anniston, Talladega, Birmingham, Gadsden and surrounding communities.
by Bill Miller | May 7, 2018 | Elder Law, Nursing Home
Some of the things we’re called upon to do are difficult on many levels. For example, it’s not easy to find the right nursing home for a loved one. The day you move your elderly relative into their new room at a residential facility, you need reassurance you’re doing the right thing.
In one nearby town, the Lucas family realized their beloved grandmother, Pearl, was no longer able to live at home. In fact, she had been admitted to the hospital with a major stroke. Fortunately, Pearl had signed a medical power of attorney and a durable power of attorney appointing her grandson, Oliver, to handle her affairs. Oliver needed help, though, when it came to finding the right place for Pearl.
Understand Your Options
Before signing the papers for a room at the nearest nursing home, confirm your loved one’s diagnosis. Pinpoint the type of care needed. Some people may need 24/7 assistance, while others just need someone to stop by to help with medication or bathing. Residential care is not the only option. It’s possible you only need the following services instead:
- In-home care provides services for those who are unable to leave home without either assistance from another person or the assistance of special equipment.
- Independent Living Facilities provide safe environments for senior citizens in need of little or no medical assistance.
- Assisted Living Facilities, though similar to independent living facilities, offer services to people who don’t need a lot of help.
Pearl needed a level of care that was too great for the alternatives. She needed 24/7 residential care. Oliver moved on to the next phase of his search.
Research, Research, Research
First, he read the Rights of Nursing Facility Residents so he would know what to expect from reputable nursing homes.
Next, he began to research nearby nursing homes. Alabama’s Bureau of Health Providers licenses and certifies health care facilities like nursing homes. They even maintain free directories of health care facilities. At their site, you can compare nursing facilities on a national level.
Ask for references from friends and neighbors. There’s a good possibility that someone you know has been faced with the same problem you have: finding affordable care that meets your needs.
Oliver looked at online reviews and researched a facility’s licensing status before touring any facilities. He also got some great tips from Pearl’s neighbors and friends. Eventually, he found a great long term care facility near Pearl’s hometown. Not only did she get the nursing care she needed, her friends and family were able to visit often.
Learn More About Finding – and Paying for – Nursing Homes.
The attorneys at Miller Estate and Elder Law assist clients with applying for the right public benefits, including Medicaid. For a free consultation, contact us at 256-251-2137 or use our convenient Contact Form. Although we’re located in Anniston, we also help clients in the Birmingham, Gadsden, Hoover, Talladega, Vestavia Hills, and surrounding areas.
See also:
Finding Nursing Home Alternatives
My Spouse Needs In-Home Nursing Care ASAP. What Now?
Paying Your Nursing Home Bills
