Getting to Know Your Long-Term Care Options
Nearly
three-quarters of the population over 65 will require some form of
long-term
care during their lifetimes and more than 40 percent of them will need
long-term care in a nursing home according to the Department of Health and Human
Services. While
families and friends
usually try to provide long-term care needs for their loved ones, the
extent of
that care and the time-period over which it is given will depend on the
availability, capability and willingness of those
individuals.
Most often, a professional caregiver of some
kind will need to be part of the long-term care plan.
What is long-term care?
Long-term
care is care provided for a wide range of personal, medical and social
services
for an extended period-of-time. Determining needs for long-term care is
often
done by a health professional who can assess the level of disability
and
recommend the level and duration of care needed. The ultimate goals of
long-term care are to help an individual maintain his or her existing
level of
health, avoid further decline, or to manage a deteriorating condition
as safely
as possible.
Once
the
level of care surpasses that which the family and friends can provide,
it is
time to consider bringing in support from the outside. If there is a
natural
progression and increase in the extent of assistance needed, family
members
have time to consider their options for how to proceed. If the decision
needs
to be made quickly, finding the right kind of care with the right care
company
or facility can be even more difficult to navigate.
National
average costs for long-term
care in 2010
Source:
Genworth 2010 Cost of Care Survey
| Homemaker Services |
$18/hour |
| Home Health Aide Services |
$19/hour |
Assisted Living Facility
(1
bedroom/single occupancy) |
$3,185/month |
Nursing Home
(semi-private
room) |
$185/day |
Nursing Home
(private room) |
$206/day |
|
Assessing the need for care
The
first
step is to determine the appropriate level of care the individual may
require.
A full assessment of what current daily needs are should be made.
Observe the
daily activities that the person is involved with and see which ones
they are
struggling to accomplish. A professional, such as your doctor, nurse,
geriatric
care manager, or hospital discharge planner may be helpful in this
exercise. A
‘Daily Activities Assessment Form’ can guide you. Find one here.
Finding
the right company to
provide in-home care services
Once
you
have determined which daily activities need support and that the
individual is
able to stay in the home, a few choices for care are possible. Family
and
friends can pitch in to cover certain needs and/or a homemaker service
or home
health aide can come in and offer support for those areas.
Homemaker
services companies help seniors who are able to function in their homes
but
need some assistance with household duties such as cooking, cleaning
and
running errands. A home health aide provides more extensive personal
care than
family and friends typically engage in. Assistance at this level is
mainly to
help a senior with Activities of Daily Living such as bathing,
dressing, eating,
and transferring, among other support.
In
either
case, someone you don’t know will be coming into the home regularly and
caring
for someone you love. Finding the right person or company takes lots of
research and many questions. Here are some to get you started:
-
Is
the agency licensed by the state?
- Is
the agency certified by Medicare to meet federal requirements?
- Can
the agency provide references from doctors, hospital discharge
planners, and
clients and their families?
- What
qualifications and credentials does the care provider have?
- Can
the care provider supply references?
- What
are the hiring practices of the agency? How do they find their care
providers?
What are their requirements for employment with the agency? Do they do
background checks on all applicants?
- How
does the agency train caregivers? Do they provide continuing education?
- Are
the caregivers licensed in their fields and insured? Are they certified
in CPR
and first aid?
- How
do the supervisors monitor and evaluate the quality of care given by
the care provider?
- Will
you get to interview and choose the people/person providing the in-home
care
prior to them starting?
- How
does the agency handle billing?
- Does
the agency provide a detailed written care plan before care begins?
- What
is the procedure for changing caregivers should you feel uncomfortable
with the
one that is assigned to you?
-
You can
find more questions through the www.csa.us/homecarequestions.
Facilities that support long-term
care needs
An
outside-of-the-home
alternative to the homemaker and home health aide is the assisted
living
facility. In this case, the individual moves out of his or her home and
into an
apartment-style setting. The person has access to consistent support
with
Activities of Daily Living or some kind of supervision while still
maintaining
a level of independence.
When
a
person needs more medical assistance, a nursing home is the next
option.
Nursing homes offer shelter and care for seniors who have more serious
health problems,
functional impairments or cognitive deficits. Services include personal
care,
room and board, supervision, medication, therapies, rehabilitation, and
24-hour
skilled nursing.
To
find
the right assisted living facility or nursing home, it takes more than
the
right questions. Tours of the facilities and talking to other
residents’
families are necessary to determine if that particular facility is a
good match
for your loved one.
The
questions you should ask and the observations you should make include:
QUESTIONS:
- Is
this facility Medicare/Medicaid certified?
- Are
the home and the current administrator licensed?
- Ask
the staff for the latest Quality of Care report. If there are
deficiencies
mentioned, ask if all of them have been taken care of?
- Does
the home conduct background checks on all staff?
- Does
the home have abuse prevention training?
- Is
it easy for friends and family to visit?
- Do
residents have choices at mealtimes?
- Is
there water readily available at all times of the day?
- Are
nutritious snacks available at all times of the day?
- Can
residents make choices about their daily routine?
- Are
there enough appropriate activities?
- Is
there enough staff at night and on weekends to cover the needs of each
resident?
- How
does the home respond to emergency situations? What is the home’s
arrangements
with nearby hospitals?
OBSERVATIONS:
- Are
residents clean, appropriately dressed and well groomed?
- Are
hallways clear of clutter and wide enough for wheelchairs and walkers?
- Does
the facility appear and smell clean, have good lightning, and is it
maintained
at a comfortable temperature?
- Does
the staff treat residents well? Are they warm, friendly and responsive?
- Does
the food look and smell good, and is it served at appropriate
temperatures? Ask
to try some samples.
- Are
there handrails in the hallways and grab bars in the bathrooms?
- Are
exits marked clearly?
More
questions for care facilities can be found at www.csa.us./nursinghomequestions.
In
any long-term care situation, it is a good
idea to observe the caregivers in action, preferably before you hire
them or
before a senior moves into a facility. Work with the company or
facility to
determine how to accomplish that. The more questions you ask and the
more
information you can get from the company or facility itself and from
others who
have used it, the more the final decision will align with the senior’s
care
needs and provide a safe and comfortable living situation for the
senior.
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