Category: Home Healthcare Guide

Tech & Seniors: They are more Closely Correlated than you Thought

Posted on by Martin

Tech & Seniors: They are more closely correlated than you thought

When you think of technology, you may think of things like 4d movies, AI chatbots and teenagers.
You most likely would not associate technology with seniors. But technology is advancing every aspect of society- from waste disposal to wealth management- and senior care is not left out. Technology is transforming the landscape of senior care, providing innovative solutions that enhance the quality of life of seniors and improve their overall health outcomes.

Learn about some of the ways technology is impacting seniors and how you can utilize it to better care for yourself or the seniors in your care.

Telehealth:

With the advent of telehealth, seniors can receive medical consultations and treatment from the comfort of their homes. This is particularly important for seniors who have mobility issues or live in remote areas. Telehealth also provides easier access to specialists and reduces the need for hospitalization.

Wearables:

Wearable devices, such as fitness trackers and smartwatches, can help seniors monitor their health and wellness. An invaluable device for seniors, to wear on a lanyard or belt clip, is an emergency call button that they can press to send an emergency alert to designated contacts or emergency services. This can be especially useful in case of a medical emergency or if the senior feels unsafe. Devices may also track vital signs, activity levels, and sleep patterns, alerting seniors and caregivers to potential health issues.
If you or the senior in your care doesn’t have one already, consider purchasing and setting one up for 24/7 safety.

Medication management:

Technology has made medication management much easier for seniors. There are now medication reminder apps and automated pill dispensers that can help seniors take their medication on time and avoid missed doses- something very valuable at this stage of life when prescriptions are piling up but memory is slowing down.

Home automation:

Smart home technology can help seniors age in place safely and comfortably. For example, smart thermostats can regulate temperature and smart locks can secure homes.
Voice-activated assistants, such as Amazon’s Alexa, Google Assistant, or Apple’s Siri, can be valuable tools for seniors to help them with daily tasks. For example, they can set reminders and alarms to help seniors remember important appointments, take their medication on time, or perform daily tasks.
Voice-activated assistants can be particularly beneficial for seniors with limited mobility, vision, or hearing. They can use them to help with simple tasks such as checking the weather or putting on some music. They can also provide a sense of companionship for seniors who live alone.
To ensure that seniors get the most out of voice-activated assistants, it’s important to set them up properly and provide training and support as needed.

Social connectivity:

Social isolation can have a negative impact on the health and well-being of seniors. However, due to their limited mobility, seniors may not be able to get out to see friends or family. With the advance of technology, seniors can easily stay connected with family and friends through social media such as Facebook, Whatsapp, and Twitter, video conferencing such as Zoom, Google Meet or Skype, and numerous other online platforms. With these technologies, seniors can enjoy speaking to their family and friends across the globe, ‘seeing’ their grandchildren grow up and staying updated with all the family news.

Overall, technology is providing innovative solutions that improve the quality of life for seniors and allow them to age in place with dignity and independence. As a senior citizen or a carer for one, make it your business to explore new aspects of technology and see what benefits you can gain from it.

At Community Home Health Care, we offer home health aides who can help you do just that. Find additional caregiver resources on our website, and explore a variety of timely topics such as medical assistance, personal care, and senior companionship.

Reach out to us today to learn more about our team of caring and experienced personal caregivers, registered nurses, and home health aides who expertly serve families just like yours. We’re here for you and are happy to assist your family at any time. Give us a call at (845) 425-6555 with any questions.

Prescription Drug Misuse: Ways to Avoid Misuse among the Elderly

Posted on by Martin

Prescription Drug Misuse: Ways to Avoid Misuse among the Elderly

When people talk about addiction, the elderly age group is the last thing to come to mind.
However, you won’t be surprised to find that in the United States alone, over 40 % of prescription drugs are used by the elderly. And according to NCADI, over 17% of adults aged 55 and above misuse prescription medicines such as painkillers, sleeping pills, and sedatives.

Why seniors?

Many adults begin to experience significant body changes as they advance in age. Their bodies tend to have increased sensitivity or reactions to medications they were previously comfortably using. These reactions may include increased body pain, slowed metabolism, memory loss, and sleeping disorders.

Older adults are likely to misuse medical prescriptions accidentally. Due to various body complications resulting from aging, the elderly take more medications than other age groups to help them live a comfortable life. Chronic health conditions such as diabetes, arthritis, and heart disease may result in combined prescriptions leading to higher exposure to addictive drugs.Over 50% of people aged 55-85 use prescription drugs over five times daily, increasing the risk of misuse.

Since our bodies’ ability to absorb medications slows down with age, seniors may become prone to addiction or experience adverse side effects from prescription drugs, even at a lower dosage.

Misuse of Prescription Medicines: how this plays out with older people

The elderly are among those most exposed to prescription abuse. They take more over-the-counter (OTC) tablets and prescribed medicines, and the potential to misuse them is higher by:

• Taking alcohol with medications

• Taking the medications for a prolonged period against the prescription

• Taking higher doses to reduce the pain or anxiety faster than the prescription

• Taking non-prescribed medications

• Using multiple medications at the same time, resulting in drug interactions

Common prescriptions drugs that are most likely to be misused by the elderly

Medications mostly used by seniors to relieve symptoms associated with anxiety, chronic pain, and insomnia have the highest potential of abuse resulting in addiction.
They include:

• Opioids

Opioids such as oxycodone and acetaminophen are commonly used to relieve or control pain. An older adult will likely become addicted by taking these medications for a prolonged period or in higher doses.

A person can develop feelings of euphoria after taking opioids in higher doses which may eventually lead to dependence and addiction, and even death.

• Benzodiazepines

Benzodiazepines such as Xanax, diazepam, and lorazepam relieve sleeping disorders, anxiety, and depression. An older adult may become addicted by self-medicating or taking higher doses than the prescription.

Signs to look out for if you suspect an elderly is misusing or abusing prescription drugs

Recognizing the signs of prescription drug misuse among the elderly can be complex. This is because the signs are sometimes similar to those associated with aging, such as feelings of confusion and loss of memory. Becoming familiar with your loved one’s medication routines and behaviors will help you to identify warning signs of medication abuse:

• Taking more pills than the prescription instructs. This is a definite red flag. You can confirm this by looking at the dosage instructions on the medication container to clarify whether or not they strictly follow the prescribed dose.

• Change in behavior or moods by becoming argumentative, secretive, or nervous.

• Giving a lot of excuses for taking excessive medications.

• Becoming remorseful or concerned about using the prescriptions.

• If the older person has been previously treated for substance abuse.

• Changing their physicians or drug stores should be a cause for alarm.

• Receiving similar prescriptions from more than two drug stores at the same time.

• Becoming agitated when you ask or talk about their prescription usage.

• Losing interest in fun activities that they once enjoyed.

• Hiding or sneaking medications is a common sign of drug misuse.

• Showing signs of confusion and forgetfulness.

• Showing signs of slowed reflexes and slurred speech.

• Becoming afraid of going out without taking the medication.

• Storing “extra” tablets in their pockets.

• Showing signs of decreased attention.

• Exhibiting repetitive behaviors.

Physical signs like dilated pupils, dry mouth, watery eyes, or itchy skin are also common signs of prescription misuse.

How you can help an older person to effectively manage their prescriptions:

As a caregiver or responsible family member, there are many ways you can help the senior in your care to manage their medications safely:

• Keep a close eye to ensure you know the type and reasons for taking the prescribed medications.

• Ensure the senior in your care follows the prescribed dosage consistently.

• Draw up a medication table or purchase a pill organizer to so it’s clear which medications, and how much, should be taken each day.

• Ask the relevant drug stores if they can provide all medications in compliance packaging. (That means they custom pack blister packs with the specific meds for each day & time of day that they need to be taken.)

• Offer painkillers or sedatives only when really needed and reduce/remove them as soon as possible.

• Seek alternative pain management methods in the case of long-term pain A pain management professional or therapist can be a great help, managing and reducing the pain so that your loved one needn’t depend on drugs.

• Frequently remind older people in your care to avoid taking alcohol when on medications such as opioids or sedatives.

• Ensure that your loved one has all their prescriptions with them when they attend their periodic health check-ups. This will help the doctor to have an up-to-date prescription record, avoiding further unnecessary prescriptions that could result in misuse.

• Keep a close watch on the older person in your care and help them with keeping track of their medications to help avoid prescription misuse. If you are not available for assistance due to a busy schedule, seek the services of a caregiver or professional.

• Finally, another option is to store medications in a place where a senior can’t access them, allowing them only when necessary.

How to help an elderly person suffering from prescription abuse

If you are suspicious that the senior in your care is misusing their prescriptions or have noted some warning signs as a result of medication abuse, you should contact their healthcare practitioner for immediate intervention. The doctor may book an appointment and ask you to take them for an evaluation.
If the practitioner diagnoses prescription abuse, they can devise a treatment procedure to help the patient overcome addiction. The practitioner may propose lower doses or change the medications to less addictive options to alleviate the symptoms of drug misuse.

Reach Out

Are you looking for more helpful resources? Community Home Health Care has a caring, experienced staff of trained in-home caregivers, including personal care aides and nurses, to help care for the elderly.
Get more insights about our caregiving services and networks and fill out the online form to receive more information about the medical, personal care, and companionship services we provide. You can call (845) 425-6555 with any questions, and we’ll be happy to assist.

7 Strategies to Cope With Anxiety for Caregivers (And Their Seniors)

Posted on by Martin

7 Strategies to Cope With Anxiety for Caregivers (And Their Seniors)

Recent reports indicate that approximately 20 million people in the United States are struggling with anxiety and depression due to various reasons.

And as a caregiver, you stand a higher risk of struggling with anxiety than the ordinary person. This is because of the emotional and physical strength they utilize to give proper care to their loved ones. Hence, there is a great need to help caregivers cope with anxiety as they take care of seniors.

Providing round-the-clock care to an older person who depends on you for almost everything can be strenuous, even for the strongest person. As a caregiver, you may gradually develop anxiety resulting in anger outbursts, sadness, isolation, and exhaustion.

Caregivers’ anxiety and depression has become a silent health crisis, with reports stating that over twenty percent of caregivers are struggling with anxiety.

What are the Leading Causes of Anxiety for Caregivers?

The caregivers are tasked with many responsibilities to ensure that their loved ones, including the seniors, are comfortable with life. Besides, caregivers spend most of their time and energy offering care which may deprive them of enough sleep and time to do the things they love most in their personal lives.

At times, the caregivers may feel out of control, feelings of fear concerning their loved one’s physical well-being, and other financial strains. These emotions may eventually result in anxiety, which, if not care for in good time, may gradually develop into depression.

A caregiver’s shift in roles and emotions is bound to happen, leading to anger, frustration, exhaustion, sadness, and loneliness. Fortunately, our team has developed strategies to cope with anxiety for caregivers to help them lead mentally and physically stable lives.

Common Causes of the Seniors’ Increased Anxiety

America Association for Geriatric Psychiatry shows that 10-20% of older adults suffer from anxiety, which can adversely affect their lifestyle. However, there are various ways to help cope with the condition.

The most common causes are:

• Frequent worries about being reliant on others
• High cost of medical costs
• Grief
• Severe side effects from medications
• Separation and loneliness
• Limited mobility
• Chronic health conditions such as arthritis pain and diabetes

What Are The Signs of Anxiety in Caregivers and Seniors?

Anxiety signs may vary from one person to another. Typically, the following are the behavioral and mental signs of anxiety:

• Overwhelming feelings of panic and fear
• Compulsive thoughts or beliefs
• Responses that are disproportional to the triggering fear
• Nervousness
• Frequent feelings of agitation
• Loss of focus due to troubled memory
• Sleeping disorders (too much sleep or deprived sleep)
• Hallucinations
• Loss of interest in activities you used to enjoy
• Frequent bouts of fatigue
• Changes in weight (gain or loss)
• Alcohol or drug abuse, including prescriptions misuse

Most caregivers and the elderly suffering from anxiety may exhibit the following physical signs:

• Shortness of breath
• Fast heartbeats
• Hot flashes
• Shivers
• Constant headaches
• Dry mouth
• Frequent urination
• Nausea
• Extreme sweating
• Cold or sweaty hands

What are the Strategies to Cope with Anxiety for Caregivers and their Seniors?

Anxiety is considered challenging when it hampers your daily activities and eventually affects your health.

At Community Home Health Care, we advocate for mentally and physically stable caregivers and seniors as we strive to help them lead quality and enjoyable life.

We understand that the emotional and physical burdens that come with caregiving can consume a considerable energy even on the strongest person.

Our team has, therefore, prepared 7 strategies to cope with anxiety for caregivers as follows:

#1. Admit that you need help and ask for it

Caregiving can result in burnout, especially if you carry out your responsibilities alone. It would be best never to think you are imposing yourself on others when you ask for help.

It would help if you came up with a list of the needs that others can step in and lend a hand. You can start with relatives, close friends, or neighbors. Someone can choose to help you walk the senior or loved one around, help take care of your young children or family if you have one, and to run up your errands when you have limited time to do them yourself.

Besides, consider hiring in-house help to lend a hand when you feel overwhelmed. You can also arrange a day-care facility for the seniors and enjoy some free time away from caregiving responsibilities.

If you have anxiety, feel free to talk with your local physician. They can determine whether you need medication or refer you to a counselor for some therapy sessions.

#2. Give attention to what you are able to deliver

As a caregiver, you must understand that “no one is a perfect.” While its normal o suffer from guilt, you need to believe that you are offering the best services or decisions to the senior or loved one.

#3. Attend a Local Support Group

Most support groups provide a serene environment for caregivers to share their emotions and fears. The support groups offer emotional and moral support, and you get to meet other people who are also experiencing similar caregiving challenges.
Additionally, by joining a support group, you can acquire new coping strategies or skills to overcome your anxiety trigger as a caregiver as you create new friendships with people who understand what you are going through.

#4. Have personal realistic goals and pace yourself

Prioritize your tasks and do one thing at a time. Come up with a daily routine list, and don’t focus so much on activities that can drain your energy early in the day. You can give more attention to the tasks that must be done daily and plan other tasks when you have the time and energy to do them.
Setting realistic goals allows you to accomplish more tasks within a specified time frame and free yourself from burnout and emotional outbursts.

#5. Seek Respite Care

Respite care plays a significant role in providing short-term relief for caregivers. This helps them to have time off from their demanding duties and focus on their personal lives. The care can take place around your home, a day-care facility, or facilities that offer overnight stays.

#6. Have Personal Health Objectives

Due to the demanding nature of a caregiver’s job, you can set some health goals to boost your mental and physical health. You can create a sleep routine, time for exercises or walks, and a healthy diet.

#7. Stay connected

Working round-the-clock as a caregiver can lead to an isolated kind of life. You need to lookout for caregiver resources within your locality to enlighten yourself more about caregiving services.

Further, it would help if you remained connected with your family members, friends, and close people who can provide frequent emotional support when you feel overwhelmed.

Key Take away:

Anxiety can impact your life as a caregiver, which may aggravate and require medical attention. Many caregivers experience anxiety disorders caused by exhaustion and emotional outbursts.

While you cannot watch your loved ones or the elderly suffer, you can use the above strategies to cope with anxiety and live a balanced life. This will, in return, give you the strength to offer better care to your loved ones.

Remember, if you don’t take good care of yourself, you will not effectively provide care to someone else.

For more information about caregivers’ anxiety and depression, you can find numerous resources on our website.

You can also get in touch with us today and learn more about our team of caring and experienced personal caregivers, registered nurses, and home health aides who expertly serve families like yours. Call us at (845) 425-6555 with any questions.

Remember, if you don’t take care of yourself, you won’t be able to care for anyone else.

Winter Safety for Seniors

Posted on by Martin

5 Tips for Helping Older Adults Stay Warm and Healthy.

While there is nothing as serene as sitting at the window watching the snow fall, the winter season brings along its host of challenges for all ages, as well. Icy walkways, compromised driving conditions and cold temperatures can cause a wide range of injuries for anyone, especially the senior population that is at higher risk for pneumonia, flu, and low immunity.

How can older adults take better care of themselves to avoid being affected by winter-related conditions? What can caregivers do to proactively protect seniors when the temperature drops? Here we’ve gathered 5 practical tips for keeping older adults safe, warm, and healthy throughout the coldest days of the year.

1. Winterize the home.

For seniors living independently at home, as opposed to being cared for in a nursing or assisted living facility, it is important to make sure that the rooms of their private home are properly insulated against drafts and leaks. Older windows or roofing can easily let unwanted cool air inside, as well as significantly compromise energy efficiency. Investing in weather stripping, caulking, gutter cleaning, and structural inspections can help ensure that your loved one’s home is protected and safe to withstand harsh winter conditions.

2. Dress Warmly to Avoid Hypothermia

Being properly outfitted both while inside and when outdoors is the first proactive step to take against temperature-related health conditions. Hypothermia can occur when the body temperature dips too much, which is below 95 degrees F, and can cause severe health problems like heart attack, liver damage, and worse. Being out in the cold for an extended period of time or even living in a home that is not properly heated can lead to hypothermia. It’s important for caregivers to be aware of the symptoms that indicate early onset or later stages of hypothermia and be vigilant in monitoring the conditions in which older adults are spending their time.

Early signs of hypothermia include:

  • Cold feet and hands
  • Puffy or swollen face
  • Pale skin
  • Shivering
  • Slower than normal speech or slurring words
  • Sleepiness
  • Being angry or confused

Later signs of hypothermia include:

  • Moving slowly, trouble walking, or being clumsy
  • Stiff and jerky arm or leg movements
  • Slow heartbeat
  • Slow, shallow breathing
  • Blacking out or losing consciousness

In an effort to avoid danger when heading outdoors, older adults are advised to layer themselves with warm socks, insulated boots, a heavy coat, a warm hat, gloves and a scarf. In locales with a very frigid climate, seniors should cover all exposed skin, especially the head, and use a scarf to cover their mouth, as well.

While in the house, caregivers should monitor the temperature in the rooms to make sure it is consistently between 68-75 degrees Fahrenheit and ensure seniors are well outfitted with several layers, using warm bed sheets, and have additional blankets on hand to use, as needed.

If you confirm via thermometer that your older loved one’s temperature has dipped below 95 degrees, seek medical assistance immediately.

3. Prevent snow-related injuries.

With muscle weakness and compromised strength, older adults are alway at a high risk of losing their balance and incurring a fall-related injury. Especially in icy and snowy conditions, it’s easy for anyone to slip and fall when outdoors in the winter, so extra caution is critical for older adults when walking on wet or icy sidewalks, and especially on stairs. Encourage your loved one to use handrails whenever possible or ask a friend, family member, or neighbor for extra support while walking outside. It is extremely dangerous for seniors with balance issues or osteoporosis to be out on wet or icy surfaces that compromise their steadiness. Strenuous activities like snow shoveling put too much strain on the heart, especially for seniors with chronic heart conditions. Establishing an outdoor maintenance plan that ensures prompt snow removal, salted ice, and cleared walkways is another proactive way to maintain senior safety in the winter.

4. Plan for senior safety on the roads.

If your loved one is independent enough to drive on their own, keep in mind that winter driving can be hazardous for anyone, and especially poses higher risks for older drivers who may not drive as much as they used to or whose reflexes are not as quick as they once were. Be sure you get your loved one’s car professionally inspected and serviced before winter arrives. Changing tail lights, tires, brakes and wipers can make a big difference on winter roads and prevent dangerous accidents in inclement weather. Also make sure your loved one’s roadside assistance plan is up-to-date in case of emergencies and keep the car stocked with emergency essentials, such as batteries, snacks, flashlights, and blankets, just in case. Unless driving is absolutely necessary during severe winter conditions, it may be worthwhile to explore local options for reliable senior transportation services as a safer alternative.

5. Have an emergency plan in place.

A winter emergency plan is the best way to keep your loved one safe at home. If you are a caregiver and are unable to check on your loved one due to personal illness or emergency, have a trustworthy family member or friend on-call to step in when needed. Be sure to keep the house stocked with essentials such as non-perishable goods, flashlights, and warm blankets, in case a severe weather event occurs and leaves your loved one without electricity. Plan for someone to keep track of the supply of groceries and medications, as well as snow removal services in case a blizzard hits. By frequently checking in on an older adult, even if you can’t be there in person, and making a list of all emergency phone numbers, your loved one will be able to remain calm and know who to call for help if needed.

As you gear up for the season, it’s important to explore the ways in which wintertime can be memorable for everyone, even with being cautious and limiting time spent out of the house. Allow your older loved one to explore new hobbies and opportunities that wouldn’t otherwise be available — and don’t leave out the camera as you create memories in the process.

At Community Home Health Care, we’re here to help you all around the year. No matter the caregiving challenge, you can navigate this winter season with safety, warmth and calm. Find additional caregiver resources on our website, and explore a variety of timely topics such as medical assistance, personal care, and senior companionship.

Reach out to us today to learn more about our team of caring and experienced personal caregivers, registered nurses, and home health aides who expertly serve families just like yours.

We’re here for you and are happy to assist your family at this wonderful time of year. Give us a call at (845) 425-6555 with any questions.

Happy winter from your friends at Community Home Health Care!

Senior-Friendly Activities for Fall

Posted on by Martin

The days are gradually getting shorter, and the luscious lawns of summer give way to autumn’s fallen leaves. There’s always something special about each time of year, so we’ve rounded up 7 of our favorite fall activities that seniors can easily enjoy as well. With some great entertainment options while staying indoors, or venturing out into the crisp autumn air, you and your loved one can now go ahead and celebrate the new season!

1. Experience the Lovely Outdoors

As summer’s warmth fades out into the cold of winter, autumn offers the ideal climate to comfortably enjoy time spent outside. Take in the beautiful foliage and fresh autumn scents together, while engaging in a physical activity that relaxes and invigorates. When planning an outing with your loved one, it’s important to keep his or her mobility in mind. You’ll want to make sure your choice is suited to your loved one’s physical capabilities. Whether you choose to admire the scenery from the porch, in the car, strolling in a local park, or walking along a guided hiking trail, you’re guaranteed to return inside refreshed.

2. Prepare Seasonal Snacks

On a chilly afternoon, who doesn’t savor the tantalizing smell of freshly baked pastries? Or better yet, sharing the day and making memories together over a recipe? Cool days with longer evenings are the perfect time to get cozy in the kitchen and prepare a homemade snack. With easy-to-find ingredients, you and your loved one can whip up something delicious to enjoy together or share with friends and family on your next special occasion. Take advantage of autumn’s bounty of apples, cranberries, pumpkins in one of these simple seasonal treats.

3. Plant Ahead

Fall may not be the most enjoyable time to sit out in the yard, but if you’ve got a small patch for planting, this is the best time to invest in a home garden. Make the most of your loved one’s green thumb and get planting! Generally, trees, shrubs, and a wide variety of perennial plants grow best when planted at a time when the ground is moist. In this way, the roots can establish themselves before the ground freezes and winter sets in. Veggies that thrive in this season include bok choy, Brussels sprouts, beets, broccoli, cabbage, carrots, kohlrabi, cauliflower, celery, endive, kale, leeks, and head and leaf lettuces. They also include onions, peas, garlic, radishes, snow peas, spinach, Swiss chard and turnips. Flowers, such as tulips, hyacinths, and daffodils can be planted early in the fall and will reappear to decorate the landscape each year. For these, you’ll need one trip to your local nursery and then lots of patience until spring blooms again…

4. Decorate Indoors

Your loved one will enjoy crafting in good company while sprucing up the house with seasonal decor. Create an autumn wreath to display on the front door, paint pumpkins in varied sizes to dress up the table, or get started on crocheting a personalized holiday gift for someone special. Spend an afternoon visiting your local craft stores, like Hobby Lobby or Michael’s, and take advantage of the wide selection of seasonal art supplies they offer. You can also find some more ideas here for great crafts that guarantee memorable activities and warm autumn vibes. Crafting together will help you create the perfect atmosphere for this time of year.

5. Coordinate a Visit

While everyone is spending less time outdoors, seize the opportunity to reconnect with long-time acquaintances, extended family, and close friends. Ask your loved one who they’d like for company and schedule a date, or offer to accompany them on a visit to someone they’d be glad to get together with. You can invite guests to your loved one’s home, or make up for them to meet at a local coffee shop, restaurant, or entertainment venue. When guests visit at home, you can bring out old photo albums for them to reminisce with, as they enjoy the chance to reflect on a bygone era with someone from their past. Restoring old friendships is a powerful way for seniors to feel younger and more vibrant.

6. Work on a Fall-Themed Puzzle

Bring the scenic views inside and relax together with a cup of tea while you assemble a masterpiece. Larger-piece puzzles allow seniors to create their own works of art- ones that can both be displayed proudly and are easily accessible. They also offer older adults an opportunity to keep their fingers and minds nimble, while having fun and experiencing a sense of gratification. Many find that working on a puzzle has a meditative effect, subtly decreasing feelings of anxiety, and increasing mental well-being. Click here to choose from a selection of autumn puzzles that can be delivered to your door and enjoyed in the company of grandchildren, neighbors, or friends. When the project is completed and displayed, your loved one will be happy to show it off to visitors and tell them about the process of creating their masterpiece.

7. Visit a Farmers Market

A farmers market is more than a convenient place to purchase fresh locally-grown fruits and vegetables, dairy products, or honey. Visiting a farmers market is also an informal way for seniors to be social by providing them with the opportunity to interact with neighbors and support local farmers. Adults can stroll through the market and stop for free samples and tastes while enjoying the plethora of colors and produce. Your loved one can select from a variety of fresh products to enjoy at home and is sure to look forward to another delightful trip. Click here to locate the farmers’ market closest to you.

Regardless of how you choose to share the day, we hope you enjoy the time spent together. You can find additional caregiver resources on our website, and explore a variety of timely topics such as medical assistance, personal care, and senior companionship.

Reach out to us today to learn more about our team of caring and experienced personal caregivers, registered nurses, and home health aides who expertly serve families just like yours.

We’re here for you and happy to assist your family. Give us a call at (845) 425-6555 with any questions.

Community Home Health Care wishes you and your family a most memorable autumn!

Finding a Good Home Health Care Agency

Posted on by Martin

 

If your elderly loved one requires personal and medical assistance due to injury, illness, disability, or declining health, you may want to consider a home health care agency. Home health care agencies employ caregivers and specialists such as occupational therapists, companions, home health aides, and registered nurses. They tend to the patient at his or her own home.

With many home health care agencies available, it can be difficult to find the right one for your elderly loved one’s needs. You’ll need to do a significant amount of research before making a decision. Here are some tips to facilitate that decision-making process.

Note that there’s a difference between a home health care agency and a non-medical home agency. A non-medical home agency provides people who do basic housekeeping and personal care tasks. On the other hand, a home health care agency features specialists and caregivers who focus on more health and medical-related tasks such as administering medication, aiding in physical therapy, and monitoring medical equipment.

 

Why a Home Health Care Agency?

For many elderly people, staying in an unfamiliar environment—even for a short time—can be frightening.  Additionally, the idea of losing one’s independence and personal space can be disconcerting. Remaining at home, where he or she is surrounded by their personal items, family photos, and furniture maintains security and comfort. Therefore, it’s best for an elderly loved one to stay home for as long as possible but still receive the care they need. In addition, hiring help from a home health care agency is cheaper than a hospital or nursing home bill.

Another reason for using a home health care agency is that their specialists can supplement the current family caregiver. Many family caregivers are stretched thin, caring of their elderly loved ones while caring for their own families or working full-time jobs. Home health care agency caregivers can take over for a few hours a week (or even all day), allowing the family caregiver some rest and personal time, or maybe even giving up that role entirely.

Expect Some Resistance

Before you begin your search, discuss the situation with your elderly loved one. There’s a strong chance that he or she will object to a caregiver, which is understandable. Many people will feel uneasy, even afraid at the thought of letting a stranger in their homes. They may fear that they will be robbed, or worse. Explain to your loved one why hiring a caregiver is necessary, even if you are a family caregiver. If he or she is still resistant, offer a short trial of say, a week or two.

If they are capable, consider inviting your elderly loved one to participate in the research and selection process. It may alleviate their worries. Perhaps he or she can even accompany you when you speak to potential caregivers once you’ve narrowed down a particular home health agency.

Home Health Care Agency vs. Independent Caregivers

Some families choose to eliminate the middle man of home health care agencies and hire an independent caregiver. It’s a tempting option, primarily because independent caregivers generally cost about 30-40% less than agency caregivers. However if you go this route, this means that you are the employer and are thus responsible for various employment laws and taxes. You will need to do the background and credit checks for potential caregivers. You also have fewer options during emergencies. What happens if the independent caregiver is sick? A home health care agency on the other hand, will be able to provide a substitute caregiver. It’s not surprising then, that many families opt for using a home health care agency to find the right caregiver for their elderly loved one.

Talk to People

The first step in finding a good home health care agency is to talk to friends, co-workers, family members, and doctors to get advice. Ask them what they look for in a home health care agency and which places they recommend. Your elderly loved one’s physician may even suggest what kinds of specialists are required.

Financial Considerations

The second step is to think about your budget. Particularly, consider the duration of the required services—how long will your elderly loved one need specialist help? A few weeks or months? Indefinitely? And how many hours per day? How many specialists will you need to hire? These factors will affect the costs. Additionally, some places take Medical or Medicare, so check if the facilities you’re interested in are covered.

Initial Research

When you have a better idea of your loved one’s needs and your budget, start that list of home health care agencies. Look for the following information when you visit their websites or call them: licensing, accreditation/certification, and insurance. See if they provide information on their employees, including screening and hiring procedures, background checks, training (medical, non-medical, and emergency situations), and whether or not they’re bonded.

Reviews and References

Look online for reviews of your potential home health care agencies. Major review sites such as Yelp and Consumer Reports will have some ratings. The Medicare website has a section  on home health care listings as well. Of course, don’t just rely on online reviews. Ask the potential agencies for references as well.

Find the Right Caregiver for Your Elderly Loved One

When it comes to matching the right caregiver with your loved one, you may have to look to factors in addition to their training and skills. This is a person who will spend lots of time with your family member, so it’s important that they get along. It helps if the caregiver has similarities or something in common with your loved one. Some people feel more comfortable with a caregiver who speaks the same language as them, or is the same gender or ethnicity. Others may like spending time with a caregiver of the same religion. Ask the home health care agency how caregivers are matched, and if they can accommodate special requests.

 

If you are looking for a home health care agency for your elderly loved one or have any questions, please fill out the form at the Community Home Health Care home page and one of our helpful staff will contact you as soon as possible.

 

Fall Prevention: 12 Steps to Prevent Falls | & what to do if you or someone else does fall

Posted on by Martin

For seniors, one of the biggest dangers in daily life is simple: falling.

While falling may sound like it’s no big deal, it can be disastrous or even deadly for seniors.

Today, 1 out of every four seniors falls at least once a year, but few tell their doctors or loved ones. It gets even worse than that, though.

Each year, 2.8 million people over the age of 65 are treated in emergency rooms around the country for injuries stemming from falls and more than 800,000 seniors are hospitalized each year because of a fall-related injury. Falls currently rank as the leading cause of traumatic brain injuries (TBIs) in older adults and cost upward of $31 billion annually.

These are shocking statistics, and they make it clear that falling is a dangerous reality that affects thousands of seniors in the place they should be the safest: their own homes.

Luckily, there are proactive steps seniors, caregivers, and family members can take to prevent falls, and address them properly if they do happen.

Read on and learn some proven methods to ensure fall prevention.

12 Simple Ways to Prevent Falls in Seniors

Fall prevention is simple, and it can go a long way toward protecting the health and well-being of seniors everywhere. Get started with these 12 easy steps:

1. Make a doctor’s appointment

While falling has many causes, ranging from loss of balance and vision to weakness, falling can also be caused by medications, especially sedatives or antidepressants. With this in mind, the first step to preventing falls is to see your doctor about the medications you’re taking and the potential side effects of each drug.

In many cases, the doctor will be able to prescribe a medication with a lower fall risk or one that is less likely to interact with the other medications you currently take.

2. Get active on a daily basis

Balance and strength are both a “use it or lose it” thing, and seniors who give up physical activity often don’t have the stability or muscle definition to keep themselves from falling. Unfortunately, many seniors assume that staying active is impossible as an older person, and they give up things like walking, running, or yoga because of it.

Luckily, the activity you choose doesn’t have to be high-impact to unleash its benefits. Tai chi is a great option for activity, as is swimming. In fact, it doesn’t matter what you do, just so long as you do something every day to improve your coordination, strength, balance, and flexibility.

3. Wear sturdy, balanced footwear daily  

Certain types of shoes, like flimsy flip-flops or high heels, increase the risk of falling. With this in mind, ensure that the shoes you choose to wear are going to help your balance rather than harm it. For the best possible stability, choose sturdy, well-fitted shoes with non-skid soles.

4. Remove tripping hazards from your home

Sometimes, things in the home can increase the risk of falling and injuring yourself. Things like extension cords, plant stands, and loose rugs can trip you when you least expect it, while spilled liquids can create a dangerous situation.

With this in mind, remove tripping hazards from your home and remain vigilant about identifying and removing things that increase your fall risk in the future.

5. Keep your living space light and bright

Most of us have had the experience of stubbing our toe while getting out of bed in the dark, and it turns out that a dark or dimly lit environment can create a fall hazard for seniors, as well. Because of this, it’s critical to keep all living spaces well-lit. This allows you to spot fall hazards before they trip you up.

For some simple fixes around your home, add a nightlight to bedrooms and other key areas, and add lamps to dark or dim corners of the home.

6. Eat a healthy, well-rounded diet

Diet affects virtually everything we do, and getting around is no different. To ensure that you’re as healthy and balanced as possible, be sure that your diet contains adequate levels of nutrients.

While this may seem unrelated to falling, people who eat healthy diets are stronger and more able to complete everyday activities.

7. Stay hydrated

Dehydration can cause dizziness and fatigue, both of which increase your fall risk. With this in mind, ensure that you’re drinking adequate water every day, and pay attention to your hydration levels and how you’re feeling.

If you notice you’re thirsty, drink up! It will help you stay healthier, and decrease your fall risk, as well.

8. Consider using an assistive device

If you’re recovering from an injury, struggling with balance, or simply not as strong as you once were, an assistive device like a walker or a cane can work wonders in helping you get around. In addition to helping you balance, these simple tools can also help you navigate uneven terrain safely.

9. Install railings around the home

In areas where falls are common, like stairs and bathrooms, it’s smart to install railings to help you keep or regain your balance. These railings are especially useful in unideal circumstances, such as when the bathroom floor is wet, or the exterior steps are coated in ice.

10. Keep ice and snow at bay

Winter creates an environment that’s ripe for falls. Between the ice and the snow of the colder months, there are dozens of dangers that face seniors during the chilliest days of the year. To keep these things at bay, ensure that you’re taking proactive steps, like sprinkling de-icer on dangerous patches and keeping all walks clear of snow.

11. Always tie your shoelaces

While it sounds simple, one common cause of household falls is untied shoes. It doesn’t matter if you’re just walking to the dresser or the mailbox – you should always tie your shoelaces. A simple way to prevent falls, this tiny step can help you stay safe and upright.

12. Arrange the home to allow a clear pathway for movement

You’re more likely to fall if you’re navigating around furniture and accessories in the home, so it’s in your best interest to remove these things to create clear, uncluttered pathways.

What to do if you Fall

Even if you take all of the above steps, it’s impossible to guarantee that you won’t ever fall. With that in mind, here are some steps you should take if you do happen to suffer a fall:

  • Get up properly

If you fall, get up the right way by lying on your side, bending your top leg, and propping yourself up on an elbow. From there, use your upper body to pull yourself to the closest sturdy object (a dining table or banister, for example) and use this to help pull yourself up. Stand slowly, turn and sit down, and take a moment to rest before you stand up again.

  • Call for help

If you fall and you cannot get up, call for help. If you can reach a phone, dial 9-1-1. If you cannot reach a phone, call for help verbally, or make noise to attract a passerby’s attention.

  • See a doctor

Any time you fall, you should see a doctor. Even if the fall seemed minor, complications like fractures can fly under the radar for quite some time, and it’s important to consult your healthcare professional to make sure everything is okay.

While falling is a scary prospect, these 12 preventative steps can help you avoid it as much as possible, to stay healthy, safe, and strong throughout your senior years. 

 

20 Signs Your Parent Might Need Home Care

Posted on by Martin

For most people, knowing when it’s time to think about hiring home care for an aging parent is a painful thought. In most cases, our parents age slowly, going from the joyful, attentive caregivers we’ve enjoyed all our lives to distracted, forgetful people we don’t fully understand.
Maybe you’ve noticed that your mom has begun to tell you the same stories over and over again, or that your dad frequently leaves the stove on. Maybe you have a parent who’s started to get lost, or who is having a hard time dressing, eating, or cooking on their own.

Whatever the case may be, watching your parents age can be difficult, and worrying about their care be gut-wrenching. Unfortunately, it’s critical to face these realities to ensure that your parent is getting the care he or she needs to age gracefully, with dignity, and with support, and recognizing the signs that indicate your parent needs in-home care is the first step.

20 Reliable Signs That Your Parent Needs In-Home Care

No matter how old your parent may be, or whether he or she has been ill up until this point, these 20 signs are a sure-fire indicator that the time to hire in-home care has arrived.

1. Your Parent Has Begun To Miss Meetings, Appointments, And Obligations

Forgetfulness is a dangerous sign of dementia and Alzheimer’s, and parents who have started to miss important social events may be exhibiting the early signs of memory loss. Even if your parent’s memory is still sharp as a tack, missing scheduled appointments can indicate embarrassment about a difficulty or inability to get dressed, or challenges driving, navigating public transit, or walking, all of which indicate a need for additional support.

2. Difficulty Standing on His or Her Own

If you’ve noticed that your parent is having a hard time standing up out of his or her favorite chair, it’s time to hire in-home help. While this may seem like a small symptom that can be attributed to arthritis or stiff joints, it’s important to remember that, without help, your parent could easily be stuck for hours or days if they can’t get up on their own.

3. Bruising or Wounds on Your Parent’s Body

When seniors start to have trouble walking, dressing, or cleaning on their own, it tends to show up as unexplained bruises or wounds on the person’s body. Evidence of falls, slips, or accidents in the home, these unexplained injuries can be alarming to family members.

Although your parent may play them off as nothing, it’s your job to know that any parent who is being injured in his or her own home needs some level of in-home care and assistance.

4. Poor Home or Personal Hygiene

Maybe you notice that the trash hasn’t been taken out in days or that your mom’s refrigerator is full of rotting, spoiled food. Perhaps you’ve begun to notice that your father isn’t showering or shaving anymore.

While symptoms like this may seem like simple forgetfulness, it’s important to remember that rotten food in the refrigerator may indicate that your parent isn’t eating and that poor personal hygiene can put your parent at risk of infections and other unpleasant symptoms.

5. Forgetfulness

Forgetfulness can be a symptom of Alzheimer’s. When a parent starts forgetting critical things, like whether or not they’ve taken vital medication or how to turn off the stove, the condition can quickly become dangerous.

6. Confusion

Parents who get lost, frustrated, or angry are displaying confusion. An early sign of Alzheimer’s and dementia, this symptom warrants home care and additional assistance.

7. Evidence of Bathroom Accidents

Soiled pants or underwear, messed bathrooms, and an unpleasant body odor are all signs that your parent is having difficulty using the bathroom on his or her own, and needs compassionate assistance to maintain their dignity and quality of life.

8. Decline in Housekeeping

If your mom has always kept a neat home, but now the sink is piled high with dishes, and the unopened mail is spilling throughout the entryway, she’s likely having trouble managing her housework, and could use additional assistance.

9. Signs of Financial Trouble

Financial trouble is one thing that frequently befalls seniors without their friends and family noticing. If your parent has begun to bounce checks or get many late payment notices, forgetfulness may be playing a part in making the finances harder to manage.

10. Seclusion

Seclusion is a dangerous thing for seniors. In addition to increasing a senior’s risk of mortality, isolation can have a negative impact on a senior’s health and contribute to the development of dementia and cognitive decline. If your elderly parent has begun to isolate him or herself, hiring in-home help can prevent the situation from worsening.

11. Weight Loss Or Gain

Extreme and sudden weight loss or gain can be a sign that your parent is having trouble feeding him or herself, forgetting whether they’ve eaten, or eating for emotional comfort.

12. Extreme Moodiness

Severe mood swings or moodiness can be a sign that your parent is suffering from the beginning stages of Alzheimer’s or depression. Hiring an in-home caregiver can ensure that your parent has someone around to monitor the symptoms, and sound the alarm if they get worse or change drastically.

13. Car Accidents

For seniors, losing their right to drive can be a devastating occurrence. Unfortunately, many seniors continue to drive past the point where it’s medically advisable, and they put themselves and others at risk as a result. If you notice dents or scratches in your parent’s care, he or she may need additional assistance to ensure their safety and well-being.

14. Poor Medication Management

According to MdMag, most older adults in the U.S. fill between 9-13 prescriptions on an annual basis. With this in mind, it’s not surprising that these medications can become difficult or impossible to manage as age and forgetfulness set in. Fortunately, an in-home caregiver can help seniors manage their medication correctly, and ensure that they’re not duplicating doses or taking the improper amount of any given medication.

15. Depression

It’s not uncommon for seniors to suffer from depression as they age, especially when their spouse has passed away, and they’re alone. In these cases, an in-home caregiver can help by providing companionship and support.

16. Wandering

If your parent has begun to wander out of the house and get lost, in-home help is critical, both for the senior’s safety and your peace of mind.

17. Boredom

In some cases, in-home assistance can help elderly parents who are just bored and in need of more consistent companionship. In addition to performing household duties, in-home caregivers can also play games with seniors, accompany them to social events and appointments, and help them learn new things.

18. Difficulty With Mobility

It’s not uncommon for seniors to experience difficulty with mobility as they age, and an in-home caregiver can make it easier for your parent to get around and maintain his or her freedom.

19. Dangerous Behavior

If your parent has begun to exhibit dangerous behavior or suicidal tendencies, hiring in-home help can give them the support they need to be happier and more fulfilled.

20. Poor Personal Care

Personal care is critical not only for your parent’s well-being but also for their outlook and sense of self-worth. With this in mind, hiring an in-home caregiver to help your parent uphold their personal care routine can be critical. 

In-Home Care: The First Step to the Rest of Your Parent’s Life

While the decision to hire in-home care for an aging parent can be difficult, taking the first step is typically the smartest way to ensure your parent ages gracefully, with all the care, support, and assistance he or she needs to be happy and healthy throughout.

12 Tips to Help Protect Seniors from Identity Theft

Posted on by Martin

Identity theft is one of the fastest-growing crimes in the U.S.

Right now, more than 15 million U.S. residents have their identities stolen each year, with losses exceeding a total of $50 billion annually.

While it’s true that identity theft can (And does) affect anyone, seniors are at increased risk. Today, senior identity theft is growing rapidly, and people ages 50 or older are frequently the target of scams and fraudulent activity.

While various factors make seniors especially vulnerable to identity theft, deceased spouses, dementia and cognitive decline, a failure to check credit reports regularly, and often substantial saving or checking account balance are some of the primary draws for identity thieves.

Luckily, there are many ways that friends and loved ones can help protect seniors from the burden of identity theft.

Read on to learn more.

Why are Seniors Vulnerable to Identity Theft? 

While many factors influence seniors’ vulnerability to identity theft, including the ones mentioned above, the issue is complex and multi-faceted. Even seniors who aren’t affected by dementia or cognitive decline are frequently the target of identity theft, but why?

On one hand, the answer may be generational. As a general rule, seniors grew up during a period when people were quick to trust one another, and credit card and banking scams were not as prevalent as they are today.

Alternately, seniors are often concerned about not seeming dependent or overly needy, so they may not ask for help or verification from a friend or family member when something seems fishy, or when they receive an odd phone call asking for personal information.

Finally, seniors may be at increased risk of identity theft because the human brain changes with age. According to a 2012 study conducted by psychologists at UCLA, senior citizens quite literally process risk differently than their younger companions. When presented with mildly risky or dangerous situations, the older people in the study displayed less activity in the portions of the brain responsible for responding to danger, which suggests that they may not recognize or respond to risk the same way as their younger counterparts. 

To help protect seniors from identity theft, it’s critical to understand the various factors that place them at increased risk.

12 Ways to Help Protect Seniors from Identity Theft

 

1. Find trustworthy caregivers

While it may sound shocking, some of the main culprits in senior identity theft are the senior’s caregivers. Because these people have access to the senior’s personal documentation, credit cards, and checking account numbers, it’s easy for an unsavory caregiver to create fake accounts in the senior’s name or wreak havoc on checking and savings account balances.

With this in mind, vet all caregivers thoroughly and consider conducting background searches and checking references. While this may seem paranoid, it’s the first (and arguably most critical) step in ensuring a senior’s identity remains safe and sound.

2. Help the senior be aware of common scams

It’s reasonable for a senior to get excited about a phone call or email stating they’ve won a million dollars and, if nobody bothers to tell them about common scams and frauds, it may not occur to the senior that these types of interactions aren’t legitimate. With this in mind, seek to be informed about common frauds and scams and pass the information along to the senior citizen.

The Financial Fraud Enforcement Task Force operates a website called StopFraud.gov, which offers a wealth of information on common scams and how you can protect yourself and others. Check it regularly and keep your senior informed of what you learn. Better yet, turn the senior him or herself onto the website and have them check it frequently.

3. Monitor a senior’s financial activity

One of the most efficient ways to keep a senior out of identity theft troubles is to monitor their financial activity carefully. Since many common scams come in the form of credit card or email scams, monitoring credit card and bank statements can be a useful way to catch fraudulent activity before it blows up.

4. Check in often

While it may seem nosy, checking in often can help keep seniors safe from identity theft. Don’t hesitate to ask your senior friend or relative if they’ve received any suspicious calls or emails lately. While some seniors may get frustrated by these questions (believing they couldn’t possibly be the victims of identity theft), it’s worth it to ask.

While it may cause a small tiff, the tough conversation is ultimately worth it if it protects the senior from financial or personal hardship. Soften the conversation by reminding the senior that identity scammers are excellent at what they do and that the scams may not even seem like scams.

5. Enroll the senior in identity theft protection

There are various credit monitoring services designed to monitor personal and financial information for any red flags. Plans are affordable and can be a crucial tool in the ongoing battle for keeping seniors out of the clutches of identity theft.

6. Shred unneeded personal documents

Old personal documents that contain sensitive information like the senior’s birth date, social security numbers or banking information should be shredded or burned. This prevents them from falling into the wrong hands (in many cities and states, it’s common for identity thieves to comb through trash on public streets in search of such documents) and causing havoc.

7. Verify the validity of any “Free” services gated with personal information

Seniors are often targeted by scammers offering free or highly discounted medical services in return for personal information. While these proposals may seem outstanding, they’re often fraudulent. If the senior in your life receives any such offer, check the company with the Better Business Bureau before proceeding.

8. Encourage the senior to check credit reports often

Since seniors are typically not applying for mortgages or other large loans, they may not check their credit reports as often as younger people. Unfortunately, this is how so much fraudulent activity goes unnoticed for so long.

To be on the safe side, encourage the senior to check his or her credit report at least once a year. This can help keep tabs on financial and personal information and ensure it’s not being used incorrectly.

9. Help the senior understand link scams

Many scammers masquerade as reputable companies and use fraudulent links to gain personal information. Help the senior understand how these scams work and how to stay safe: instead of supplying personal information via a questionable link, go directly to the company’s website and complete an application or sign-up process there.

10. Maintain open communication about phone scams

Many identity scams use callers pretending to be court representatives or medical establishments, claiming outstanding balances for past bills. Instead of giving personal information to these callers, help the senior understand the need to call the company directly instead, and resolve the issue there.

11. Consider hiring an attendant

In the grips of dementia or Alzheimer’s, many seniors begin to make risky financial decisions and become intensely vulnerable to scammers. If this is the case with your loved one, consider hiring a professional caregiver to keep the senior out of financial trouble and away from the clutches of scammers.

12. Get the senior a secure mailbox

With a traditional, street-side mailbox, it’s easy for anyone to steal a senior’s sensitive mail. To protect your loved one, opt for a secure mailbox option like a post office or locking box.

Senior Identity Theft Stops Here

Seniors are a vulnerable population when it comes to identity theft. Luckily, you can help your loved ones stay secure with these twelve helpful tips. In addition to protecting a senior’s personal and financial information, these steps also go a long way toward ensuring healthy, happy, secure golden years for the senior in your life.

 

 

 

 

 

10 Creative Ways to Pay for in-Home Care

Posted on by Martin

In-home care: while it’s one of the most helpful types of care available, it can also be a financial stressor. More than a few people have had the experience of waking suddenly in the middle of the night, panicked about how they’ll pay for their in-home care and what will happen if they can’t manage it.

For people who are injured, ill, or aging, and can’t manage all of the tasks of daily living on their own anymore, in-home care can be a lifesaver. In addition to taking the burden of caring for an aging loved one off friends and family members, in-home care also serves to enhance the quality of life and provide critical medical assistance in the place where a person is most comfortable – his or her home. 

If you’re starting to think about how you’ll pay for in-home care, or you’re already struggling to make ends meet, here are ten creative ideas to cover the cost. Read on.

First Things First – Is In-Home Care Expensive?

There’s no one-size-fits-all formula for calculating the cost of in-home care. Prices vary widely depending on where you live, what type of care you need, and the skill level of the person you’d like to hire. According to Caring.com, home health aides made an average of $16-$29 hourly in 2011, and home healthcare costs are only rising by an average of 1.15% annually.

Depending on your level of need and your financial circumstances, in-home care may be a simple thing to afford. On the other hand, though, it may be a financial stressor, and you may be looking for ways to make it work more easily for your family.  

10 Creative Ways to Cover the Cost of In-Home Care

Regardless of what your needs may be, these ten simple tips can help you cover the cost of in-home care and get the attention you deserve.

1. Get long-term care insurance

Long-term care insurance is insurance that is designed to cover the cost of things like long-term nursing, admittance to an assisted living facility, ongoing medication, and more. While not all long-term care policies cover in-home care, some do, and it’s an avenue that’s well worth exploring. 

The only negative factor about long-term care is that most policies have a disqualifying age, after which you cannot purchase the insurance. Because of this, you must plan to purchase long-term care insurance while you’re still healthy. This will allow you to take advantage of the policy when you eventually need it to cover in-home care. 

2. Use annuities to your advantage

Annuities are one thing that few people think of to pay for in-home care, but they can be instrumental in helping make the cost more manageable. A hybrid between a personal investment account and an ongoing insurance plan, annuities represent money that a senior has invested and earns interest for. After the money has matured for a given period, the senior can begin making withdrawals.

In addition to helping seniors grow their money, annuities are designed to help cover the costs of living as a senior ages, since they pay a consistent income stream for a set number of years, or until the senior dies. 

Annuities sums aren’t viewed as assets when a senior applies for Medicaid, and the income earned from them is often enough to cover the cost of in-home care and more.

3. Apply for Medicaid and use its benefits to pay for in-home care

Medicaid is a program designed to help low-income seniors cover their health needs. While Medicaid coverage laws vary depending on the state you live in, all Medicaid plans are designed to cover in-home care for at least a short period. 

In some cases, Medicaid may even cover long-term in-home care, if the person utilizing it would otherwise be in a nursing home. 

4. Consider applying for a reverse mortgage

While few people know this, reverse mortgages were developed to help seniors stay at home for as long as possible. Here’s how a reverse mortgage works: once a senior has paid a significant amount of equity into his or her home, he or she can start taking some of that equity out, in the form of lump-sum or ongoing payments. 

While reverse mortgages can be ideal for some seniors, they do have parameters that can rule some people out. Here’s what they require:

  • The senior must be 62 or older
  • The senior must own his or her home, either free-and-clear or with little money left on the loan
  • The bank that issues the reverse mortgage appraises the home and determines payment values based on a loved one’s age and payout requirements

5. Look into using veteran’s benefits

If you were an armed forces members, you might be able to use military benefits to cover the cost of your in-home care. The only downside of this approach is that the U.S. Department of Veterans Affairs is notoriously difficult to navigate, and you may find yourself working very hard to get the benefits you’re owed. While you’ll have to contact a representative to understand your individual eligibility, here are the policyholder parameters for veteran’s benefits:

  • You must have served at least 90 days of active duty
  • One of those days must have been during wartime
  • You must have been honorably discharged

If you meet these requirements, you may be eligible to receive disability payments that can help you cover the cost of your in-home care.

6. Look over your life insurance policy

If you have life insurance, you may find that it can be used to cover your in-home care. If you don’t have dependents that will rely on the life insurance, consider dipping into your policy and using “accelerated” benefits to cover the cost of your in-home care. 

Accelerated benefits are features of certain life insurance policies that allow the policy holder to take advantage of the insurance benefits within their policy before death. Ideal for paying for in-home care, these benefits are typically reserved only for those who need ongoing in-home care or have been disabled by chronic conditions. 

If you have a life insurance policy and no dependents relying on it, consider this option. As a rule, insurance policies will allow holders to pull out between 25%-100% of their death benefit as an accelerated benefit.

7. See if Medicare is right for you

While it’s tough to get Medicare coverage to provide for your in-home care, it is possible, and it’s worth evaluating. Medicare is issued when a person leaves a hospital or long-term-care facility. In some cases, those benefits can extend to covering the cost of in-home care as a form of rehabilitative therapy. 

Keep in mind, though, that these benefits can be limited and may not be right for everyone.

8. Pool resources within the family to cover the cost of in-home care

If none of the above options appeal to you, you can consider pooling resources within your family. Things like collective sibling agreements and personal savings can go a long way toward covering the cost of in-home care and are some of the most common options people take when considering how to offset the expense.  

9. Develop an in-home care savings fund

Many people have savings funds for medical emergencies, vacations, and more, so why not establish one to cover the cost of in-home care. While this takes some planning and dedication, it can be a straightforward and stress-free way to cover the cost of in-home care down the line.

10. Sell off assets

For some seniors who don’t have dependents or people relying on inheriting assets, selling assets can be a functional way to get the extra funds required to cover the cost of in-home care. Of course, this approach depends entirely on the senior’s unique circumstances, and won’t be right for everyone. 

The Case for In-Home Care

For seniors who can no longer care for themselves alone, in-home care can be a wonderful way to enhance quality of life and ensure safety and happiness for years to come. It can be expensive, though, and these ten tips can help offset the cost and make it easier for you and your family members to cover the expenses associated with in-home care.