Tag Archives: Elderly Relocation

Planning For Your Elder Years

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New Jersey Elder Planning Tips

Recent surveys among NJ elderly, find that their biggest concerns are:

1. Remaining independent in the home without intervention from others;

2. Maintaining good health and receiving adequate health care;

3. Having enough money for everyday needs and not outliving assets and income.

Pre-planning can help address these issues.  No other life event can be as devastating to an elderly person’s lifestyle, finances and security as needing long term care. It can drastically alter or eliminates the three principal lifestyle concerns above.  The majority of the American public does not plan for this crisis of needing elder care. The lack of planning also has an adverse effect on the older person’s family, with sacrifices made in time, money, and family lifestyles.  Due to changing demographics and potential changes in government funding, the current generation needs to plan for long term care before the elder years are upon them.

Here are some facts.

  • The population of the “very old,” – older than age 85 – is the fastest growing group in America. This population is at highest risk for needing care. (Statistical abstract of the United States,
    2008, population)
  • Medical science is preventing early sudden deaths, which means living longer with impaired health and greater risk of needing long term care.
  • The Alzheimer’s Association estimates the risk of Alzheimer’s or dementia beyond age 85 to be about 46% of
    that population.
  • It is estimated that 6 out of 10 people will need long-term care sometime during their lifetime.
  • Children moving far away from parents or parents moving away during retirement makes long distance care giving difficult or impossible.
  • Government programs— already stretched thin for long term care services— will experience even greater stress on
    available funds in the future.

One of the important things for planning is how to maintain your lifestyle as you age. You may be healthy enough to stay in your own home with help provided for the following activities of daily living:

  • maintaining a home
  • providing meals
  • supervision
  • companionship
  • transportation
  • shopping services

This type of care at home is non-medical and must be provided free of charge by family, friends, or volunteers or the care must be paid for out-of-pocket by the family. Government programs, in most cases, will not pay for this kind of care. It is estimated that 80% of all long term care is non-medical, with 90% of that care provided in the home.

Plan now how you will pay for care when it is needed. In evaluating your future income you may find it necessary to add some resources such as long term care insurance to pay for assisted living or nursing home costs. Long term care insurance must be purchased while you are younger and healthy. Failing health, stroke or other aging issues will not allow you to qualify for this insurance.  A reverse mortgage will also help pay for home care if staying in your home is an option.

Consider where you may want to live in your elder years. Many assisted living facilities offer complete care alternatives with a nursing home wing if needed. Senior retirement communities also offer many amenities with some including home care options.  Now is the time to do estate planning. A professional estate planner will give you direction on how best to protect your assets for future needs and for Medicaid planning.  Now is the time to create your trusts, will, medical directives in a living will and any other documents you want noted for future use. Gather insurance policies and bank records where they can be found by family members in case you are not able to get them yourself.

The process of long term care planning involves the following four
principles:

1. Knowledge and preparation are the keys to success.
2. Having funds to pay for care expands the choices for care
settings and providers.
3. Using professional help relieves stress, reduces conflict, and
saves time and money.
4. Success is assured through a written plan accepted by all
parties involved.

(The above excerpt is quoted from “The 4 Steps of Long Term Care Planning,” National Care Planning Council)

The National Care Planning Council’ s website — www.longtermcarelink.net — provides over 700 pages of information for long term care planning and lists services of professional care providers in estate planning, long term care insurance, reverse mortgage, home care and many other important long term care services.

The National Care Planning Council’ s book, “The 4 Steps of Long Term Care Planning,” provides information on what Medicaid and Medicare will cover as well as an overview of professional long term care service providers and how their services can help you create and execute your long term care plan. A check list of what to do to create a plan and forms for creating necessary paperwork are also included in the book.

Posted by: Frank Esposito, Vice President of Expert Home Care.  New Jersey’s Expert Home Care provides professional and reliable home health care and companion care for NJ elderly, helping them with their daily living activities since 1984. Please call us toll free at 800-848-2336 when you have home care related questions or need assistance for a loved one. Get a Free Home Care Assessment (a $375 value!) when you mention this post.

Elderly Relocation – Help Your Senior Move with These 10 Tips

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NJ Senior Living

Moving is physically and emotionally difficult for anyone, particularly the elderly.  Here are some things to consider when helping an elderly person move:

1. Be kind. When helping to sort and pack your elderly loved one’s possessions, keep in mind that their eyesight and an inability to do everything they used to do can result in poor housekeeping habits. Offer to clean as you pack and try not to criticize.

2. Help sort. Seniors tend to keep things they don’t necessarily need or will ever use. Be gentle when suggesting to get rid of possessions. Ask them if they use the item and if they would mind if you donate it. If it’s a treasure or something they would like to keep but the new space can’t accommodate it, suggest keeping it in the family by giving it to a child or grandchild.

3. Take pictures of the inside of their home. As close as possible, try to place objects in a similar way so that their new home will feel very much like the old one. Be as detailed as you can from arranging the bedroom furniture to placing the family pictures on the bureau. This will help make the new place feel like home.

4. Obtain a room layout of their new place. Find out before you move how much space the new place has. If your senior is moving from a three bedroom house to a one bedroom condo, then together you will need to decide what will fit and how much can be kept.

5. Start small. Take a day to spend with your senior to talk about the move and what to expect. Give them small tasks to do such as going through a desk drawer or a box from the attic. Ask them to spend only 15 to 20 minutes a day on one task. Let them decide what they would like to do and what they might find hard to do. Taking small steps will help your senior get used to the idea of moving.

6. Pick a room that has less sentimental attachment. Have your elderly loved one start sorting through the bathroom or kitchen drawers; pick a place in the house that doesn’t hold the same emotional attachment as the bedroom or living room or a photo box kept in the attic.

7. Plan the move. Allow enough time that your senior doesn’t feel rushed. Sorting through years of stuff is difficult and sometimes emotionally painful. Give them time to absorb the change.

8. Hire outside help. Sometimes it’s easier for your senior to work with an outside party rather than with members of their family. There are many companies that specialize in moving seniors.

9. Be patient. Allow your senior time to say goodbye. If they take longer to clean out the desk drawer because of a stack of pictures they found, let them take the time to remember. This is a very important part of the process. Be patient. Listen to their stories.

10. Get them involved. Take your senior to their new home ahead of the move on their own time and when they are ready. Let them tell you how they would like it to look and make a plan to prepare the space accordingly.

Posted by: Frank Esposito, Vice President of Expert Home Care.  New Jersey’s Expert Home Care provides professional and reliable home health care and companion care for NJ elderly, helping them with their daily living activities since 1984. Please call us toll free at 800-848-2336 when you have home care related questions or need assistance for a loved one. Get a Free Home Care Assessment (a $375 value!) when you mention this post.