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According to some sources, 60% of us will need long term care sometime
during our lives. It is important for all of us to prepare for that day when we will need to help loved ones
with care or we will need long term care for ourselves.
We may prepare financially for unexpected
disasters by covering our homes, automobiles and health with insurance policies. But no other life event can
be as devastating to an elderly person's lifestyle, finances and security as needing long term care. It
drastically alters or completely eliminates the three principal retirement dreams of elderly Americans:
- Remaining independent in the home without intervention from others
- Maintaining good health and receiving adequate health care
- Having enough money for everyday needs and not outliving assets and income
Yet, it is our experience that the majority
of the American public does not plan for the devastating crisis of needing eldercare. This lack of planning
also has an adverse effect on the older person's family, with sacrifices made in time, money, family
lifestyles and even affecting the family's or caregiver's medical and emotional health.
Because of changing demographics and potential changes in government funding,
the current generation -- more-than-ever -- needs to plan for long term care before the elder years are upon
them.
What Is Long Term Care?
The need for long term care arises when an individual requires, from someone
else, assistance with medical care, daily living activities, comfort, supervision or advice. This need for
care may be caused by an accident, disease process, or frailty. Such conditions may require help with the
ability to move about, dress, bathe, eat, use a toilet, medicate, and avoid incontinence.
Also care may be needed to help the disabled person with household cleaning,
preparing meals, transportation, shopping, paying bills, visiting the doctor and answering the phone.
Oftentimes, long term care in the form of supervision or confinement is needed
due to cognitive impairment from stroke, mental retardation, depression, dementia, Alzheimer's, Parkinson's
Disease, and so on. Most long term care is provided at home by family members.
What Is Long Term Care or Eldercare Planning?
For seniors, the terms "long term care" and "eldercare" are synonymous. For
younger people, "long term care" is the more appropriate phrase.
For the uninformed, eldercare or long term
care might appear to be a very straightforward and easy-to-understand process. Unfortunately, the reality is
that long term care is very complicated and finding care systems and providers is a frustrating and
time-consuming process. There is no one single source to help caregivers find services or solve problems with
a simple phone call or a single community contact. For this reason, planning for care requires a great deal
of prior knowledge in order to avoid operating in a crisis mode trying to find help when the need for care
suddenly arises.
However, knowledge of long term care systems is not enough. Because it can
happen suddenly, at any time, you must take action now to prepare for the day when you will need to deal
with eldercare for your loved ones or for yourself. This action involves:
- Determining the care settings and services you or a loved one most likely would want.
- Providing funding for paying the cost of care, especially when government support programs are lacking or require sacrifice of assets.
- Completing a survey to determine necessary financial and legal arrangements to be made.
- Completing a written long term care planning document to provide instructions to caregivers and to your care coordinator in advance of needing eldercare.
- Assigning a care coordinator and determining the role of other family members, friends or advisers involved in caregiving.
- Holding a planning meeting and drawing up a written agreement for involvement between all those who are willing to participate in future caregiving for you or a loved one.
We have defined four critical steps
necessary in this process for long term care planning. These four steps will be described below. The four
steps are based on the following four concepts:
- Knowledge and preparation are the keys to success.
- Having funds to pay for care greatly expands the choices for care settings and providers.
- Using professional help relieves stress, reduces conflict, and saves time and money.
- Success is assured through a written plan accepted by all parties involved.
Our book is designed as a
self-contained reference for long term care services and advisers. The book also becomes your written
care plan since it contains your personal document locator, your personal survey, your written care plan
with instructions and a written care planning agreement between all parties involved. By including all of
the necessary information, documentation and instructions under one cover, the book becomes a single-source,
valuable resource used by family members, caregivers and the care coordinator for carrying out the plan.
The book also introduces the unique concepts of assigning someone as a care coordinator, who is not a
caregiver, and organizing a meeting and completing a written agreement between family members or others
who are involved in the care.
The 4 Steps of Long Term Care Planning is the first planning book of its
kind. It offers a unique approach to helping you understand the need for and the process of planning for
long term care. Filled with references, check sheets, and planning forms, the book guides you in 4 easy
steps to creating a plan for you or a loved one's long term care. The cost is $18.95 with free shipping.
Please complete the form below to request more information. By clicking
submit, you agree to be contacted by a representative from this care resource.
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