Long-term care insurance covers two types of care: skilled care and custodial care. Skilled care requires a licensed health professional, and custodial care is to assist with activities of daily living and does not generally require medical training. According to long-term care specialist Thomas Gilmour, custodial care is the primary reason people purchase long-term care insurance, and every plan that LTC Consumer offers currently covers custodial care. Continue reading
We did it! We got through Thanksgiving, Black Friday, Small Business Saturday, Cyber Monday, and Giving Tuesday! Phew! High-Five! Now we can focus on showering some appreciation on the amazing caregivers in our lives. Last month was National Family Caregivers Month, so we thought this month we’d provide a meaningful caregiver’s gift guide for the 2019 holiday season. Continue reading
Tomorrow almost my entire family will gather for a delicious Thanksgiving meal, and we’ll gather again for Christmas less than a month later. I’ve been to several Friendsgivings and I’m sure there will be plenty of holiday parties as well. We are very blessed in that way. Other people are not so lucky, especially the elderly. Many older people spend the holidays alone. Spouses have passed, children have moved far away, and friends no longer drive. The thought of this inspired me, and I hope to inspire you, to adopt a senior this year for the holidays. Continue reading
The older people get, the more isolated they often are. Spouses may have passed, friends can no longer drive, and children are busy with their own lives. If seniors are not living in a community or facility that organizes activities, they are often bored, which can lead to depression. A very large portion of my grandmother’s day is spent in her one-bedroom apartment in front of her television. I was wracking my brain the other day trying to brainstorm a birthday present for her, when brilliance struck – subscription boxes! Continue reading
All too common in the news are stories of elder abuse in care facilities. Because many of the patients are suffering from various forms of Dementia, they are forgetful or often confused, and are easy targets. On the other side of the spectrum, however, are many caregivers who try various methods to help Dementia patients maintain their dignity and as much of a normal life as possible. Try some of these tactics with your own loved ones, or see that they are implemented at their care facility. Continue reading
There are moments in a family’s story that suddenly change the caregiving journey of everyone involved. You know these moments; heart attacks, falls, car accidents, etc. You may have even experienced the panicked phone calls, family group texts, and reactionary plans made soon thereafter. My grandmother fell the other day and was unable to get up. And in the days that followed my family realized she wasn’t quite as independent as we all thought, and we needed to take further steps to ensure her safety moving forward. In my grandmother’s case she has not purchased long-term care insurance, is not yet eligible for Medicaid, and finances are soon to be an issue. Continue reading
Many baby boomers are at the point in their lives where their children have moved out, and their parents are moving in. Maybe one parent died, maybe Mom never purchased a long-term care policy and is beginning to need help with day-to-day tasks, or maybe Dad is starting to be forgetful. Whatever your family’s current situation is as a caregiver, know that you are not alone. There are many hardships people usually expect when becoming a caretaker for a loved one, such as helping with dressing, doling out medications or adding grab bars to the shower. There are equally as many hardships people do not expect, and LTC Consumer has compiled five of those items here. Continue reading
‘Tis the season for dehydration, heat stroke and heat exhaustion. And while much of the country has air conditioning these days, many places do not. It’s especially important to keep an eye on the seniors in your life, as they are more vulnerable to extreme temperatures. Older adults have a higher tendency to be dehydrated, their bodies take longer to adjust to changes in the temperature, and they may be on prescriptions that also prevent their bodies from regulating properly. Here are some tips to keep the vulnerable seniors in your life a little more comfortable. Continue reading
Providing care for a loved one is a difficult emotional journey. However, it’s also a huge financial burden. Not just for the caretaker, but also for their employers. Take a look at this week’s LTC Caregiving Trends 2019 Infographic and see the staggering numbers for yourself. You will be amazed at the true cost of care.
Unless we die of a sudden event, most of us will experience a long-term care (LTC) journey. According to the US Department of Health and Human Services, 70% of people turning age 65 will need LTC at some point in their lives. The question is, how will that journey affect our finances, our health, and our loved ones? With long-term care insurance (LTCI) that journey can be a little easier.