I was so happy that monetary help would finally be on the road until & 39; that I discover that & 39; financial assistance would only pay to put my parents in a rest home, not even to the aid of life, and with very little & 39; help to keep them in their own home.
Since their levels of care are so different (my mother needed more things for it), it & 39; there was no & 39; Their facilities that enable & 39; be together. They would be in front at the & 39; another in the different wings of the house. After fifty-five years of marriage, my parents were adamant that the desire & 39; d be together in their own home, in their own bed, where they could continue to caress and kiss - c & 39; as is so often done. And, since my father was so difficult " " with a terrible temper and quite a long history of handling disruptive behaviors, the homes did not want to deal with him anyway.
It was difficult, but I am committed to keep my parents in their own Home Adult Day and participating in health care, five days a week. Then with the help of two & 39; wonderful caregivers, after four years of more & 39; love one another - they adopted, a few months of & 39; interval. Although care for every aspect of my parents recent years has been the hardest thing that I & 39; aie never done - I am proud to say that I gave them the best end-of-life perhaps, I could.
Had j ai & 39; only known to insist that we buy Long-Term Care Insurance for them prior to their illnesses - their years of home care could have been paid, and I & 39; could have been me even saved so much heartache, not to mention a small fortune. I encourage you to learn from my mistake and focus on & 39; long-term care insurance long before you need it for your family and yourself. V & 39; l & 39; like fire insurance, hopefully, you will have more & 39; n to use it.
Also, call your local Area Agency on Aging, or the Department of Aging, and & 39; s request ago financing programs, waivers or grants available in your area that you can apply For.
STARTLING STATISTICS
An estimated 4.5 to 5 million Americans have & 39; of the & 39; Alzheimer disease. In a Gallup poll, 1 in 10 Americans said that & 39; they had a family member with Alzheimer& 39;s disease & 39;, and 1 in 3 knew someone with a & 39; Increase disease.
l & 39; age is the biggest risk factor for Alzheimer disease & 39;. One in 10 persons over 65 and nearly half over 85 are affected. Rare, inherited forms of Alzheimer& 39;s disease can strike & 39; same individuals in their 30 & 39; s and 40 s. & 39;
A person with the disease of Alzheimer & 39; live an average of eight years and up & 39; aged 20 or older from the first appearance of symptoms.
More than 7 in 10 people of the disease d & 39; Alzheimer& 39;s live at home, where family and friends provide 80 percent of their care. The estimated value of this informal care is $ 257 billion annually.
half of the American population is a chronic condition. More & 39; quarter (26.6%) of the adult population to provide care for a chronically ill, disabled or elderly family member or a friend & 39;, which represents more than 50 million people.
37% of caregivers live in the same household as the They personal care. 54% are between 35 and 64 years. 59% of the adult population either is or & 39; s expects to be a family caregiver, and more than 2 million & 39; caregivers will be needed over the next twenty years.
It is estimated that 43% of Americans 65 or older will spend time in a nursing home. In 2012, 75% of Americans over age 65 will need long-term care. Long-term care are rising cost of 6% annually.
The annual cost of care of Alzheimer disease & 39; United States & 39; is at least $ 100 billion, and breath at least 375 billion dollars & 39; d by mid-century, & 39; overwhelming our health care system and Medicare and Medicaid.
Bankruptcy costs of the disease of Alzheimer d & & 39; 39; American business $ 61 billion per year, or the equivalent of & 39; net income of the top 10 Fortune 500 companies. 24.6 billion covers Alzheimer health care, 36.5 billion dollars and covers costs related to caregivers of people with Alzheimer disease & 39;, including lost productivity, & 39 ; absenteeism and worker replacement.
THREE PAYMENT OF LONG-TERM CARE
1. Pay for caregivers in the home and residential / nursing homes for patients. This is expensive and can often deplete family life savings.
2. Responding to a level of poverty and very specific benefit of & 39; government assistance by the intermediary of & 39; Medicaid program. Unfortunately, the options are limited, only paying for nursing homes that accept Medicaid.
3. Buy a Comprehensive Long-Term Care Insurance policy. This protects the assets of your family, the rising cost of caring d & 39; a person needs full-time care. L & 39; employer can pay the premiums tax-deductible. Consider the possibility of & 39; buy at a younger age, when more affordable and accessible. It must be purchased before the disease affects a large. Medicare and d & 39; regular health insurance does not pay for long-term care. The average cost for a person who needs long-term care is $ 40 - $ 70000 per year, according & 39; where you live, plus the cost of caring for the family who may have to leave their job.
QUESTIONS TO ASK YOUR INSURANCE AGENT
- Global Coverage, c & 39; is & 39; to say that it includes all levels of care: in the home, with the help of & 39; life, d & tips 39; administration and care, and nursing / dementia facilities?
- Qu & 39; is what & 39; daily allowance?
- Are there 5% compounded annually protection against & 39; inflation?
- - What is the period of & 39; elimination?
- S & 39; does it d & 39; a period of & 39; benefits of life insurance or a limited time & 39; political benefit?
- Is there a discount to marriage?
- Can you hire caregivers in private as well as d & 39; an agency?
- Is caregiving at home rests on a daily, weekly or monthly maximum, and if & 39; n & 39; advantage is not used, it can be used to & 39; future?
- Does it cover home care, coordination of services?
- How many & 39; S & 39; ADL (Activities of Daily Living) is needed to trigger a claim?
- Is there a time limit for filing an application & 39; d d & 39; allowance?
- does it cover the cost of day care for adults and adult day health care, hospice and respite programs?
- S & 39; does it d & 39; a qualified tax?
- Is the company highly rated, they & 39; n have never raised premiums?
- Do you see the company released annual audit to check their backgrounds to pay claims?
Jacqueline Marcell is a national speaker on the elderly and & 39; is the author of "Elder Rage ", a Book-of-the-Month Club selection being considered for a feature film. More than fifty following information: Hugh Downs, Regis Philbin and Dr. Dean Edell. Jacqueline also hosts a radio show heard around the world on: http://www.wsradio.com/copingwithcaregiving. For more information: http://www.ElderRage.com
Permission is granted to publish all or part of this article for free as long: l & 39; author byline is included, the bonds are alive, and & 39; author is notified: J. Marcell@Cox.net or 949-975-1012. kelle carmine
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