If you have determined that a nursing home is the best option for your loved in, the search for the best nursing home can be a chore. Use LIFYA.COM, a free independent, unbiased resource as your starting point. On www.Lifya.com, you can not only read reports on a specific nursing home but can also search and compare nursing homes through easy to read graphs and comparative charts.
http://www.lifya.com
Rajof MO6:48PM May 29, 2009
Check out http://www.nursinghomeboard.com/
This is a great forum to discuss nursing home related topics.
Billof TX10:25PM April 30, 2009
For the purpose of disclosure I do sell long term care financial planning. That being said I want to add to this discussion these facts.
Every week I get calls from someone trying to protect their parents or their own incomes and assets from the the high cost of long term care but have waited until they either need care or have been diagnosed with an uninsurable condition.
My answer to them is to sympathetically say "They (you) are uninsurable. The insurance companies see them (you) as a burning building that you're asking them to insure. What you need to do if you have not yet done it is to consult with an elder law attorney as soon as possible. You can find one at elderlawanswers.com. Now if you (or other) are insurable then I'll be glad to answer any questions about insurance either now or later."
As people are becoming more comfortable researching and purchasing insurance over the Internet I have developed a large number of clients in large cities and small towns all across America. I have set up a website to help inform people about long term care planning and the best way to design an insurance policy: http://howtobuyltcinsurance.com
A few things to think about:
1. The only thing protecting you from long term care today is your health, and that can change at any time.
2. You insure your home, your car, your heath, but what protects your retirement income and assets if you should need extended care not covered by health insurance or Medicare?
3. If you reach age 65 the GAO says that you have a 70% chance of needing LTC, how do you want to pay for it?
4. Don't assume you are insurable and don't assume you are uninsurable. I have gotten people insured who were declined. I've had declines overturned, and there is a way to get LTC insurance without underwriting.
5. LTC insurance is not for everyone. Those without assets or enough income to pay premiums and those with substantial assets who don't mind spending the money (yet they often insure everything else).
6. The main ways to fund LTC: self-pay, ltc insurance, universal life insurance with ltc benefits, fixed annuities with ltc benefits, Medicaid.
Assume you're going to need long term care, now how are you going to pay?
Mark Ellistonof CA6:32PM April 26, 2009
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Caring for your loved ones is possibly one of the most difficult decesions, we may have to make. After years of personal struggles myself and not happy with options available to me and others, I decided to make a commitment. I have been able to provide one on one care for loved ones, in a country "family" enviroment. I built a new home with "loved ones" in mind. I have been able to help many families during a very difficult time. Be aware that there are alternatives available to You.If You are interested contact Me (Kate) at www. personalqualitycare.com, I am located in Florida. If I can offer assistance in anyway let Me know. Thanks Kate
Kateof FL12:26PM March 19, 2009
Prescription costs have become increasingly difficult to manage. You can start saving by switching to generic drugs. Medtipster allows you to type in your drug name, dosage and zip code to search for and locate prescription drugs that are available on discount generic programs across the United States; many of which are available for as little as $4. Prescriptions that are not available on a discounted program often have therapeutic alternatives on a discounted generic program, which are also available on MedTipster’s website.
All4Genericsof MI9:47AM March 19, 2009
Thats very true, no matter how good nursing home is, it is never as good as a person being in their own home. I'd personally want to stay at my own home as a comfort zone There are various resources that people can use such as asking your relatives, or even hiring an in- house home care hourly or all day. I went to home care assistance (www.homecareassistance.com) for mine, but that is one alternative. If you have any sibling taking turns taking care of your parent or grandparents is something great also.
angela knowlesof CA4:20PM March 18, 2009
It's good to hear about experiences of others in this area. My mom died in November, 2008 at the age of 99, after a slow decline due to stroke and diabetes related dementia. Her last two years were spent in bed, totally incontinent, catheterized and with a feeding tube. Some days, she was fully with it and we could spend some quality time together. Other times, she would sleep for days. We were extremely fortunate since my father was a coal miner and most of her care was covered by his pension and disability plan.
Now, we are caring for mom's 93 year old brother who has only a little savings to help with his care. We have retained the two caregivers (a mother and daughter) who helped with mom's care. My uncle has 12-14 hr care and is able to stay alone at night. We have an alert system that could be activated if needed, but his mental state is slowly deteriorating, so we're not sure what to do next. Our costs are rather modest (about $850/week, including most living expenses, except for meds) but his savings will be gone in about 9 months. Then, we will use mom's savings to help out. He was always there for his sister (since she was widowed for 30 yrs), so we are most happy to help him.
You can get used to dealing with cleaning up excrement, but the mental deterioration is particularly hard for me to deal with. I will always treasure one of the last things mom said to me: "I love you, son, with all my heart." That more than makes up for any inconvenience that we may have experienced. It was a privilege.
JohnBof IL3:54PM March 15, 2009
I have been caring for Mom for over 7 years. I was let go from my job and my husband and I decided I would be able to stay home and care for Mom full time. She is in final stages of Alzhiemers and has been bed ridden for over 3 years. I have learned lots of things about the care of elderly patients at home. She was with Hospice for 6 months, but she started maintaining and they released her. I did not realize it was going to be such a long term committment. I am glad I agreed to keep her home but there are sometimes I think she would be better off in a nursing home, but we can not afford it. She does not know anything that is happening and lives day to day in her own world. I have to do everything for her. I treasure these years we have been together and would not change anything. My daughter helps out one day a week so I can run errands and have time for me. My husband and I usually take a cruise once a year for our get away time, but we have not done that for two years. It is so expensive to have someone come in a care for Mom while we are away. We only take a weekend now and then and my daughter stays with Mom. It is a very big responsibility to care for a loved one at home, but I know she is getting the care she deserves. If you are considering doing this with a loved one, be sure you can handle all that comes with this responsibility. Mom is a very special person and I love her very much.
Linda Eckertof NC2:10PM March 15, 2009
It has become a very encouraging trend that the number of parents moving in with their children has increased 60% in the last seven years according to the latest U.S. Census Bureau. No matter how good a nursing home is, it is never as good as a person being in their own home, or a loving family member's home. As a nurse who has worked for 20 years with elderly people, all too often it seems that the nursing homes just see the elderly person as a deep pocket.I feel strongly that our elderly population deserves respect and to be treated with dignity. We need to remember that the person being cared for is a special person who has a legacy and was one of the people who made our country. I am glad to see the growing amount of information being provided to those who are looking for help with their elderly parents. 1-4-caregivers.com
Reader Comments
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Raj of MO 6:48PM May 29, 2009
Bill of TX 10:25PM April 30, 2009
Mark Elliston of CA 6:32PM April 26, 2009
John of MN 12:39PM March 29, 2009
Kate of FL 12:26PM March 19, 2009
All4Generics of MI 9:47AM March 19, 2009
angela knowles of CA 4:20PM March 18, 2009
JohnB of IL 3:54PM March 15, 2009
Linda Eckert of NC 2:10PM March 15, 2009
LaurenR of IN 10:33PM March 12, 2009