Caring For Aging Parents
Following is some information put together by MetLife Consumer Education Center and reviewed by the National Council on Aging. It's their Life Advice® Program guide about Caring for an Aging Loved One*
*"Loved one" can describe many specific individuals in your life. For simplistic reasons, this guide uses the term broadly, and also uses forms of the pronoun "he."
Caring For Aging Parents Is Universal
When you think of family, your loved ones come to mind — a spouse, children, parents, grandparents, perhaps an aunt or uncle, or even someone special whom you consider "family." And, if you're lucky, these people are with you today, sharing in and contributing to fulfilling family life.
According to statistics, there's a good chance you will be enjoying their company for many years to come. Thanks to healthier lifestyles, advances in medicine and improved living conditions, the average life expectancy of a man today is 72, and it's 79 for a woman.
But with individuals living longer, the role of many adults has changed. Even if your aging parents are self-sufficient today, there is no guarantee their independent lifestyle and good physical health will continue. Eventually you may have the responsibility of arranging for their care. No one likes to think about the consequences of growing old, so this isn't an easy subject to bring up. But if you prepare and make plans now, you can lessen the stress and guilt during a crisis situation.
Calculate the Future
For starters, take a good look at your aging parent's financial picture. Explain that, not only do you want them to be comfortable in their retirement years, but you also want to arrange for their assets to be transferred according to their wishes upon their death. Talk with your aging parents about their intentions, and include other family members in these discussions. Be direct and honest. Tell them your concerns, listen to theirs. That way if the time ever comes when your loved one cannot participate in the decision making, you'll know you are not acting alone, but carrying out their wishes.
Following are just a few questions that may help you in this process:
Does your aging parent have a will that has been reviewed within the past three years?
Yes ___ or No ___
Do you know where to find all your parent's financial and legal papers and advisors?
Yes ___ or No ___
Do you know the approximate annual cost of maintaining your parent's current lifestyle in retirement, and do you know if they have sufficient financial resources to do so?
Yes ___ or No ___
If you are concerned about the mental or physical health of your aging parents, have you considered the use of a durable power of attorney?
Yes ___ or No ___
Living Arrangements and Care Options
When discussing who will provide continuous daily care for your aging parents, you can choose from these general categories:
Independent living.
Your parents stay in their own home or rent an apartment and provide for themselves. You oversee the situation and offer assistance and guidance when necessary.
Assisted-living community.
Your aging parents live independently in a facility that provides some additional support, such as light housekeeping or daily meals. The facility may or may not have a nursing care option available for residents who become ill.
Adult day services.
A community-based group program helps meet the needs of your aging parents through an individualized plan of care. Such programs provide a structured comprehensive program in a protective setting for a part of each day, for example, while you're at work.
Home care.
You become responsible for seeing that your aging parent's needs are met around the clock. You can move in with them or move your parents into your home, and, if necessary, either hire home health care professionals or become the sole caregiver yourself.
An intermediate care or skilled care facility, such as a nursing home.
These facilities are designed for people who need continuous, professional care at some level. Ask doctors, hospital discharge planners, social workers and friends for suggestions. You can also obtain a catalog of nursing homes from your state department of health or state agency on aging.
Discuss with your parents what might happen if you can't maintain the level of care needed for them at home. Often people dread the idea of nursing homes and hospitals, but they may become necessary. On the other hand, these options may be out of financial reach so all other options must be exhausted first. Remind your parents that the final decisions will depend largely on their health and finances at the time. Explain that you will try to carry out their preferences, but don't make promises you may not be able to keep.
Is Home Care the Answer?
If you think that home care maybe the best alternative for your aging parents, consider the following factors:
Physical and mental health.
Even if your parents are in good health now, chronic and accelerating illnesses often accompany advancing age, and their state of health may change quickly. Such changes may dictate the type and level of care needed. Can your parents manage routine chores and necessary tasks such as personal grooming, cooking, shopping, house and yard work and managing their finances? The more they can do for themselves, the greater their choices will be.
Financial Resources.
How much care will your parents be able to pay for? How complex will that care be? Will they need custodial or skilled care? Are you prepared to subsidize the expenses? You may think your aging parents have adequate financial reserves now, but those funds could be depleted if they live another 15 years or more or if they come down with a serious illness. Long-term care is expensive, whether you deliver the care or place your parents in a nursing home. Depending on where you live, home care can cost up to $35,000 a year and nursing home care can cost more than $55,000 a year.
Your own family arrangement.
If you are married, your partner's feelings about the possibility of your becoming the care provider should be considered. And don't forget your children, especially if they still live at home. If there are disagreements, counseling might be a nonthreatening way to let all family members speak their minds.
Family support.
The family unit is a major support system. Do you have family — or close friends — willing to share in the caregiving or to lend financial or moral support? If so, accept help if they offer — and don't be afraid to ask for assistance.
Community services.
If you plan to assume complete responsibility for your aging parents, be sure to check out community support services. Caretaker burnout can be avoided if you make good use of services from the beginning. To find out what's available, start with your local Area Agency on Aging or call the social services office at a local hospital.
Some possibilities:
1) Contact a local geriatric care manager with proper credentials.
2) Hire a housecleaning or yard service.
3) Find a transportation volunteer through your church or local senior service organizations to drive your parents to medical appointments or deliver groceries and prescriptions.
4) Use a meal service such as Meals on Wheels.
5) Enlist the services of a visiting nurse or a home health aide.
6) Inquire about senior center information and referral resources and adult day service facilities.
7) Contact the local chapters of associations, such as the Arthritis Foundation, the Alzheimer's Association, YMCA, American Red Cross and Veteran's Administration. They're often pipelines to the services available in your community.
8) Be good to yourself. Don't be a martyr — ask family and friends to help out. Consider joining a support group
Making the Transition
Change is difficult for everyone, especially for the elderly, who may feel they already have lost control over much of their lives. If a new living arrangement involves uprooting a loved one to another city or town, they will need a considerate and caring transition. It helps to include him in the decision. If you are caring for your parents long-distance, you may want to use the services of a geriatric care manager. For a fee, trained professionals provide a variety of services, such as helping to choose a health care facility, evaluating and monitoring care, and helping with activities of daily living.
Preparing Your Home
If you've decided care in your home is appropriate, you'll probably need to make some changes around the house. Changes can be as complex as adding another bathroom or converting a first-floor den into a bedroom or as simple as attaching a safety rail to the shower stall or having an amplified receiver installed on the telephone. Here are a few examples to get you started thinking:
1) Install a help alert system.
2) Remove clutter, sharp objects and throw rugs.
3) Install nonskid strips in showers and bathtubs.
4) Place a flashlight by the bed.
5) Install night-lights in halls and bathrooms.
6) Install railings next to all stairways and steps.
7) Set the hot water heater to a lower temperature.
8) Take a certified CPR course. In addition, you'll want to make your loved one feel welcome in your home by displaying his favorite possessions — particularly mementos and photographs — in plain sight
Read more from this article at Caring For Aging Parents at the Caremanage website
Amy Siegel, geriatric care manager and owner of Advocare, Inc. provides geriatric care management servicesin South Florida for those caring for aging parents, relatives or others. Her knowledge and skills are invaluable for anyone caring for seniors. For more information on the geriatric care management services of Advocare, Inc. visit their website at http://www.caremanage.com
