Everyday activities that you once found simple can change as you age. This is why home care in Chesterfield and Macomb is surging in popularity. Seniors stay within the comforts of their own house or apartment while still receiving the personalized attention that they need. This can range from assistance with household chores and running errands to medication management to companionship.
If you’ve been considering home care in Macomb or Chesterfield, here are some of the major benefits.
- Stay in Your Own House
There’s something to be said for waking up each morning in your own bed. Private caregiving allows older adults to maintain their independence and personal hobbies around the house while still receiving assistance. A caregiver would arrive at a pre-determined time to carry out their assigned duties.
Sometimes it can be overwhelming to adjust to a new environment, people, and routines. Private caregiving provides continuity for seniors, which can be comforting for many. It also makes the transition easier as seniors adjust to having a caregiver.
- Affordable Care
Assisted living facilities can be pricey and are often well out of reach for many budgets. Home care in Chesterfield and Macomb offers an affordable option that allows seniors to tailor their care to their specific needs and financial capabilities.
- Personalized Care
The needs of a senior with Alzheimer’s disease will vary greatly from one who only needs help with daily chores. The benefit of personal caregiving is that you’ll receive the attention that you really need. Whether you need around-the-clock attention or just want someone to stop in once or twice a week, you’ll be able to tailor your service to suit your needs and abilities.
- Undivided Attention
At an assisted living facility, nurses are required to care for multiple residents. This busy environment means that seniors might need to wait for assistance as their peers are being tended to. Private services guarantee that you’ll have one-on-one time with your caregiver.
- Flexible Schedule
Are you more active early in the morning, or prefer taking afternoon naps? Private caregiving can easily be adjusted to suit your personal schedule. You and your caregiver will agree on the days and times that they will be at your house. This can also be adjusted for those times where you’ll be away, such as on vacation.
- Easier on Family & Friends
The role of caregiver can be tough for many to juggle. Hiring a private nursing professional to assist with your daily needs can significantly ease the load on family and friends. You can choose to hire a full-time nurse or opt for part-time help if loved ones still want to be involved in your caregiving.
Wondering when it might be necessary for you to take care of an elderly relative’s finances?
They may certainly need help if they are suffering from a serious mental illness such as dementia, or any other mental health problems which impairs the ability to make (and remember) important decisions.
If they’re making use of the best home care Chesterfield or Macomb MI has to offer because of physical health issues, they might still appreciate the assistance depending on how serious the physical problems are. Many physical disabilities will make it difficult for them to the Post Office or the bank, for example. They might even have an issue which prevents them writing letters or typing on a computer.
If they’re feeling under the weather, with the flu, for example, it’s also best to step in and oversee any financial commitments they may have.
The extent of the helping hands you offer will be down to your relative’s health and personal circumstances. If they are still mentally capable of making decisions that makes things easier, but this doesn’t necessarily mean that they’re as clued up about personal finances as you are, so you might still want to offer advice.
How to Help
List all the organizations they deal with, plus any relevant account/customer numbers. For example, their bank, utility providers, savings and investments. This list will be useful if you have to warn them about a change of address or deteriorating health condition.
It is against the terms and conditions of most bank accounts for you to run someone else’s account using their PIN or online banking details, but there are ways you can help out.
The best way to help is by getting your parent to sign a third-party mandate form. This essentially gives their bank permission for you to make decisions on their behalf.
Another option is opening a joint account, although that would mean half of their money becomes yours for tax purposes. You might have a higher income tax or inheritance tax bill as a result.
Many older people never get around to setting up standing orders or direct debits to pay regular bills, because they’re stuck in their ways and prefer to do it old-style ways like via check.
Helping them up set up direct debits or standing orders can save both of you a lot of time and stress when it comes to paying bills in the future, especially if comes to the point where they need the finest home care Chesterfield or Macomb has to offer.
Your parents will need to request and sign a direct debit mandate, but it’ll be worth the hassle in the long run. Many firms offer discounts for people who pay by direct debit, so this might save your mom or dad some money too.
Nursing home care in the United States can be expensive, especially when you consider that the majority of people who need it are unable to earn income from a job.
In 2017, the national average for one day nursing home care in a shared room was $235. This average will vary per state or even per town. For example, in Michigan, the nursing home care Chesterfield has to offer could well be a lot more expensive or a lot cheaper than the nursing home care Macomb has to offer.
In 2017, the cheapest states were located in the Mid-West and South-East of the U.S, where the daily average was around $165. The costliest area of the country, not including Hawaii and Alaska, was the North-east, where the daily average was around $350.
Still, there are programs available to help you fund the cost of nursing home care. Here are the two main programs available to help you fund it.
Medicaid and Nursing Homes
It is safe to estimate that Medicaid, via state affiliates, funds around half of the nursing home costs in the U.S.. It’s the largest single payer for nursing home care by some distance.
This may encourage families whose loved one needs to be put in a nursing home, but it’s important to know that Medicaid is limited by strict financial guidelines. Applicants must go through strict means-testing program before they are accepted. The applicant’s income and financial assets will be closely monitored before they are accepted on the program.
For those who do qualify, Medicaid will fund 100% of their nursing home costs, provided it is at a Medicaid approved nursing home.
The rules for financial eligibility are shifting all the time. In 2017, the applicant’s monthly income couldn’t have been greater than $2,205. However, this is just a rule of thumb. There are typically many exceptions to these rules. The Medicaid website has detailed rules about financial eligibility.
Medicare offers a short-term solution for patients who only need nursing home funding for a short time. It won’t be suitable for those who need long-term care and can’t afford to fund it themselves. In these instances, Medicare will fund 100% of care costs for the first twenty days, For the next 80 days, Medicare will fund 80% of the cost.
With a ‘Medicare Supplemental Insurance plan’, the secondary insurance will pay the remaining 20% during that 80-day period. Medicare will only pay for 100 days of care, unless the nursing home is also a psychiatric hospital and the patients is being treated for mental illness. In this case, Medicare will fund 190 days of care. Medicare is only available for those recovering from an illness or injury, not a long-term or chronic condition.