Even if you’ve worked hard to save for retirement and create the financial security you want in the future, the need for long-term care could throw a wrench into even the most well-thought-out plans and impact you and your loved ones’ finances. Consider these questions as you begin the long-term care planning process.
5 Questions to Ask When Planning for Long-Term Care
(Family Features) You may not want to consider a time when you might not be able to fully take care of yourself, but the reality is there is almost a 70% chance someone turning 65 today will need some type of long-term care service and support in his or her lifetime, according to the U.S. Department of Health and Human Services.
Even if you’ve worked hard to save for retirement and create the financial security you want in the future, the need for long-term care could throw a wrench into even the most well-thought-out plans and impact you and your loved ones’ finances.
Consider these questions as you begin the long-term care planning process.
What is long-term care?
When should you start thinking about long-term care planning?
How much does long-term care cost?
Long-term care is generally not covered by health insurance, and government programs like Medicare or Medicaid have limitations, which often isn’t discovered until care is needed. However, New York Life offers long-term care options to AARP members and provides specially trained agents who can provide guidance. The agents can work with you and your family to create a customized plan based on your financial goals, helping protect your assets should you ever require long-term care.
Where is care provided?
How much coverage do you need?
While planning for long-term care can seem daunting, you can find more benefits and information to make the process easier at aarp.org/benefits.
Photo courtesy of Getty ImagesSOURCE:
AARP Services, Inc.
While caring for an older family member – whether it be a spouse, parent or grandparent – can be a rewarding experience, it can also be a difficult and overwhelming task. This is especially true if your loved one lives with Alzheimer’s disease or other dementia-related illnesses. Being aware of some of the warning signs of burnout can help caregivers properly manage stress and protect themselves.
Caring for Caregivers
How to prevent caregiver burnout
(Family Features) While caring for an older family member – whether it be a spouse, parent or grandparent – can be a rewarding experience, it can also be a difficult and overwhelming task. This is especially true if your loved one lives with Alzheimer’s disease or other dementia-related illnesses.
Whether it’s out of love or obligation, caring for a chronically ill or disabled family member (and potentially his or her financial and legal interests) can come at the expense of the caregiver’s quality of life. In addition to maintaining a healthy, active lifestyle outside of caregiving responsibilities, it is important for those caring for a loved one to learn ways to avoid health hazards and stay well-informed of any changes in their loved one’s condition. Add work and children to care for to the equation and it’s a formula that can lead to stress, exhaustion and even potential health issues.
The additional duties often required to provide care for a loved one can lead to physical or emotional fatigue, often referred to as “caregiver burnout.” If you’re caring for an older adult, the Alzheimer’s Foundation of America recommends these tips to help manage stress before caregiving leads to burnout.
Know the signs of burnout. By the time many caregivers suspect signs of burnout, they’re likely already suffering symptoms related to their responsibilities. Being aware of some of the warning signs can help caregivers properly manage stress and protect themselves. Warning signs include:
Educate yourself about the disease. It’s likely the loved one you care for has several health problems, takes multiple medications and sees multiple health care providers to manage his or her conditions. As a first step in learning more about Alzheimer’s disease and other dementia-related illnesses, visit alzfdn.org or nia.nih.gov/alzheimers for information. Support groups, educational workshops, community resources and professionals can also help increase your understanding of the disease and what to expect so you can be a better-informed and prepared caregiver.
Be prepared for important decisions. Take care of financial, legal and long-term care planning issues early on to help reduce stress later. Try to involve the individual in decision-making if he or she is capable, and consider personal wishes regarding future care and end-of-life issues.
Build your care skills. Key skills for any caregiver include communication, understanding safety considerations and behaviors, and managing activities of daily living such as bathing, toileting and dressing. Some organizations and local hospitals may even offer classes specific to your loved one’s disease that can aid you in the process.
Develop empathy. Try to understand what it is like to be a person living with Alzheimer’s or dementia. Put yourself in the affected person’s shoes while also recognizing your own losses. Manage your expectations of your loved one and remain patient.
Ask for help when you need it. Reach out to medical and mental health professionals as well as family and friends. They can assist you when things get tough. In addition, there are typically programs, agencies and organizations in your community that can help manage the challenges of caring for older parents, grandparents, spouses and other older adults.
Advocate for and connect with your loved one. Take an active role in the individual’s medical care. Get to know the care team, ask questions, express concerns and discuss treatment options. Also remember to connect on a personal level through kindness, humor and creativity, which are essential parts of caregiving and can help reduce stress.
Think positive. Focus on the capabilities and strengths that are still intact and enjoy your relationship with your loved one while you are still together. Look for ways to include him or her in your daily routines and gatherings to make as many memories as possible.
Find more caregiver resources and tips at alzfdn.org.
Tips for Managing Caregiver Stress
Stress can affect anyone and caregivers may find themselves faced with additional stressors. To help manage stress and avoid caregiver burnout, keep these tips from the Alzheimer’s Foundation of America in mind:
Getting Help with Caregiving
Everyone needs a break from time to time, even caregivers. Look into respite programs for a chance to care for yourself. Types of respite include:
Adult Day Programs
Family and Friends
Photos courtesy of Dreamstime (Couple walking)SOURCE:
Alzheimer’s Foundation of America
(BPT) - There are laundry lists of reasons why grandparents are the best. They say yes when parents say no, they tell the best stories but make even better listeners, and often they’re the first people we call with news, both good and bad.
That’s why each September, we celebrate National Grandparents Day — a day of recognition for all the amazing “nanas” and “pop-pops” out there. But connecting with Grandma and Grandpa shouldn’t be just one day a year. Whether near or far, grandparents can keep connected to their family’s lives any day of the year with the following tips.
Make a daily photo album
When family members live far away it can be difficult to stay up-to-date on what’s new in their lives. It’s easy to forget to call one another and share life’s ups and downs. To help bridge this gap, make digital scrapbooks and schedule a call once a month to exchange your albums with each other. Voila — an entire month’s worth of memories to catch up on in one place!
Schedule a weekly dinner
Sure, it’s easy to sit down to enjoy a meal together as a family if you all live nearby, but for some families, that’s not possible. Luckily, technology makes it easy to share life’s experiences without being in the same place. Take turns choosing a recipe and pick a date for everyone to make it (Mom and Dad can assist the little helpers). At the end of the meal write a review of the food — what steps were easy or hard, which part was your favorite — and send to one another to see if your experiences were similar. If Grandma and Grandpa are tech savvy, try video chatting while you create and enjoy your recipes to make it feel like you’re dining together!
Play games together online
Don’t let distance put a damper on game night — grandkids and grandparents can play virtually! Downloading and playing is simple with today’s smartphones and affordable phone plans. Try TracFone — they offer a 30-day smartphone-only plan with talk, text and data for just $15 a month — all on the largest 4G LTE networks. Grandparents will have plenty of money left over to spoil the grandkids, and with no activation or cancellation fees, they can change their no-contract plan as often as needed, without penalties. Learn more at https://get.tracfone.com.
Call at bedtime
Bedtime can be hectic for moms and dads with little ones. Grandparents to the rescue! Make a call part of bedtime’s nightly ritual. Telling stories with Grandma will keep one kid busy, allowing Mom and Dad to tend to the others. It’s a sweet ending to the day for all!
Send postcards as you travel
There’s still something uniquely special about receiving a handwritten note from someone you love. Grandparents and grandchildren can share that experience by making a “pinky promise” to send one another postcards from their travels. Grandparents and grandchildren will look forward to checking the mailbox daily for it to arrive, and a phone call to discuss all of the trip’s adventures will soon follow.
Interested in Publishing on The Senior Living Idea?
Send your query to the Publisher today!