What would you or your loved one do if either of you could no longer live independently? What if you or your loved one needed a little help at home? Or we’re not able to maintain the home anymore? What if you could no longer care for your mom, dad, or spouse? What type of care would you need?
Last month we discussed making a financial plan which is important so that you can see what affordable care options are available. It will be important to remember that the cost of care will depend on the level of care that is required which will change over time.
It is also important to consider whether you or your loved one have a preference to stay in their home or simplify things by moving into senior housing. Then it will be important to understand the budget available to spend on care.
If the goal is to continue living at home then we would want to inquire about private in-home care such as homemakers & companions, personal care, or skilled nursing services depending on the level of care that is required. Another alternative to help someone who remains in their home is a senior daycare center. An in-home care agency can provide assistance with light housekeeping, cleaning, meal preparation, transportation to doctors’ appointments, assistance with showers, dressing, grooming, toileting, transferring, and much more
A senior day care center can assist with a lot of the personal care services that home care offers and provides a safe and fun environment for your loved one to make friends and develop relationships. In most cases, the senior day care center will cost half the price of in-home care and can be a great alternative. However, home care is a perfect solution for others who need transportation, and assistance in the evening, early morning, on weekends, or overnight.
If the goal is to downsize and simplify by moving into senior housing then it’s important to look into independent living, adult family care homes, assisted living, memory care, skilled nursing facilities (SNF), and continuing care retirement communities (CCRC), and other housing alternatives. A few of these options can be great for someone who no longer wants to cook or clean and others provide all the personal care services mentioned above depending on what your loved one needs.
It can be overwhelming when trying to decide which type of care is best for you and your loved one. However, when you are informed about the options that are available in your area then you can choose the one that is most appropriate based on the level of care needed.
Now we have covered, (1.) Advance Care Planning, (2.) Organize Legal Affairs and (3.) Make a Financial Plan and (4.) Find the Right Care. Next month, we’ll discuss the final step of our five-part series; (5.) Choose the Right Providers. Need help understanding the complex world of senior care? Get a free copy of Florida’s 5 Step Guide to Senior Care by calling our senior care expert hotline at 941-676-3411.