During this time of the month, most people are starting to plan for Thanksgiving. Do you find yourself with the luxury (or the curse) of hosting the Thanksgiving meal?
Whatever your perspective, there’s no doubt there’s excitement over the holiday!
We all spend time with our loved ones. The people who bring meaning to our lives. It may be family and friends gathering in our homes or families of choice.
The point is this: whoever’s coming over probably means a great deal to you.
So in addition to putting up pretty fall decorations and dreaming about cooking and baking, I need to bring up an important factor for consideration in your holiday bliss. Older adults often have a difficult time moving around in other people’s houses.
Sad, but true.
I’m sure you’ve seen Grandma struggle to step up the two stairs into your front door. Great Uncle Tito tripped on your hallway rug and accidentally kicked your Maltese who happens to look like he blends into the carpet.
We don’t want our loved ones to encounter holiday hazards in our home! The idea of someone needing medical attention on Thanksgiving may strike fear deep into the heart of every host or hostess! Unfortunately, I have worked with quite a few clients who became injured while visiting their relative’s house.
When I worked in nursing homes as an occupational therapist, I remember one particular client. She visited her granddaughter’s house for Thanksgiving and had a lovely evening with the family. As she went down the stairs from the front door to the driveway, she tripped and fell down the stairs resulting in a broken hip. This client rehabilitated in my facility and returned home. Astonishingly, this same client ended up coming back to rehabilitation because of an infection in the new hardware in her hip. She celebrated Christmas and New Year’s Day in rehab instead of at home with her family.
What can be done to prevent ruining this joyous time of year?! I’ve got seven simple tips to make your holidays visitor friendly for everyone!
1) Install more lighting at your main entrance. No matter what time you end up having Thanksgiving dinner, double check your lighting by your main entryway. My main entrance is the back door. We have motion sensor lights that easily light up our stoop, sidewalk, and driveway. Everyone can see!
Take a look at your main entryway. What lighting do you currently have? Are there spots that seem darker than others? Are the stairs well lit? If it’s dark while you’re reading this article, go outside right now! Take note of how comfortable you feel moving around the entryway with the current lighting situation. If you’re not comfortable, then something needs to be adjusted before your family comes on Thanksgiving!
Bonus tip: If you wanted to go above and beyond, install handrails on the right and left of stairs to help your family members feel confident in their balance.
2) No slipping on ice! Who knows what the weather will be like on Thanksgiving! If there is ice, take care of it right away with ice melt or kitty litter! Don’t let Aunt Rita skate into the house. She was never gifted in the sport of ice dancing to begin with.
3) Allow family members to wear their shoes inside the house for extra support and balance. Don’t be that person. You know, the one who thinks they have the cleanest carpets on the planet and absolutely cannot have people keep their shoes on. Thanksgiving is the day you let your older adult relatives wear their shoes while they teeter around in your house. Let it go! Your carpet can be cleaned and has no feelings if it’s injured!
4) Keep an armchair handy. Your squishy couch feels amazing. You sink into it at the end of a long, hard day. It’s so squishy you practically have to roll out of it!
Well guess what Grandpa has to do to stand up from your squishy couch? He has to roll off of it too, but crawling on his hands and knees kills his joints! Offer your older adult relatives a firm armchair to easily sit down and stand up. You are maintaining their dignity and saving their arthritic joints!
5) Bathroom Tips! Hopefully, you have at least a half bathroom on the main floor. If not, give me a call. But at the very least please clear clutter on the bathroom floor. You don’t need to have a bathroom scale out (It’s Thanksgiving for Pete’s sake!). You don’t need a magazine rack. You don’t need a decorative pot in every corner. Please give your relatives room to safely maneuver while using the toilet!
Also, put toilet paper in reach (and extra on hand) so they don’t have the risk of falling off the john. Do you really want to go in the bathroom and rescue Nana from the floor?
6) Remove rugs in the house. I understand that you may need a rug for people to clean off their shoes. But do you REALLY need other rugs in the house? You’re the only person who knows where all of the rugs are. I can’t tell you how many rugs I’ve tripped on in other people’s houses because I was distracted! I’m not the only one!
7) Move Fido or Fluffy into a closed off part of the house. Although animals are a huge part of the family, they may be hard for your older relatives to notice.
Help your relatives feel confident about coming to your house for Thanksgiving. It’s worth it to include these tips to prepare your home for guests to celebrate. This will make the visit more enjoyable for everyone! I am thankful every year for everyone gathering and leaving completely intact and non-injured.
If you have any questions on how to make your home visitable for your family, contact me. Please comment below on how you make it easy for your relatives to come visit during this special time of year!
Hello, my dearest friends! Let’s talk about the biggest hurdle to overcome when you’re thinking about home modifications or repairs to your home: money.
Many people I talk to say, “I don’t know if I can afford you.” I completely understand the dilemma. You want to make changes in your home, but your bank account isn’t too sure you can handle that. You know home modifications can help you stay safe and independent in your comfortable abode.
You’re right, home modifications are a key ingredient to keeping yourself OUT of a nursing home. But paying for them can be tricky!
I am a firm believer in thinking you don’t need to spend a ton of money to make your home safer! Unfortunately, I do run into certain problems that require more extensive home modifications as part of the solution. A common example of this predicament is when people need to use a wheelchair or power wheelchair and they cannot fit through the bathroom door.
The truth is that home modifications are an investment for you and your lifestyle. And like any investment, you need to buckle down and think about your options before making a decision.
An investment in knowledge pays the best interest.
To help you make the best financial decision, I created a page devoted to financial resources on my website. This page is specific to the Kansas City area; although a lot of resources pertain to residents statewide in Missouri and Kansas.
My biggest passion is to help you live at home for a lifetime. I am a huge advocate of looking into every possibility for people to remain at home if that is their wish. Click here to see how happy Mrs. B is with her home modifications!
My zest + the power of research = Home Modification Financial Resource
I am excited to have this resource available for you because it can be confusing to figure out what financial supports exist! If you want to learn more about a particular resource, just click on the link highlighted in red. Or you can contact me to answer your questions!
I covered financial supports like: Medicaid, grants, loans, tax credits, long term care insurance, life insurance loans, resources for veterans, and Kansas City area community organizations. The focus is on financial assistance for home modifications. Please note that home modifications include home repair, household items, and equipment in addition to structural changes to the home, like building a ramp.
People ask me often if Medicare will pay for home modifications. The answer is “No”. Medicare will help pay for medical equipment with a doctor’s order, like a hospital bed. You have to pay a twenty percent copay for the medical equipment.
As of right now, there is legislation for the Medicare Advantage plans to cover simple home modifications in 2019, like grab bars and shower chairs. If it goes into effect, many people will benefit from simple fixes to their bathroom or main entryway at home.
If this legislation passes, please ask an occupational therapist on where the best placement is for grab bars in your home!!! Occupational therapists have the medical training to look at your overall needs compared to a contractor or handyman’s skills to install your equipment. Your home modifications will go smoothly if you have a team that includes an occupational therapist and a contractor!
The worst anecdote that comes to mind is of a woman, Betty, I met in a nursing home. (Names have been changed.) Betty started to notice how difficult it was to step out of the tub shower in her bathroom. She felt like her foot slipped on the floor of the tub while she picked up her other foot to step over the ledge. Betty would reach out her strong left hand to hold on to anything to steady herself. She knew it wasn’t safe to hold onto the jiggly towel rack, but she didn’t have any other choice.
Betty didn’t want to fall, especially in the bathroom! So she called a handyman to come over and put in a grab bar to feel more steady. She paid the handyman with her own funds and no financial support. With the grab bar in place, Betty felt more comfortable with taking a shower again.
When Betty was stepping out of the shower, she felt her foot slip again. She quickly reached across her body for the grab bar with her strong left hand, but it wasn’t enough. Betty slipped and fell over the tub ledge onto the bathroom floor and broke her hip.
It’s awful when home modifications, like putting in grab bars, doesn’t work out well for people like Betty. The effort and money she put in to install the grab bar to provide her safety did not turn out as planned. If she had an occupational therapist on her team, her money would not have been wasted. An occupational therapist would have helped Betty create a solution customized to her needs.
Don’t be like Betty. Be informed about making the best financial investment for you and your home! Look through this list of financial resources for home modifications. Find an occupational therapist to help you in deciding what home modifications are going to be right for you! Talk to friends and family about contractors they have hired in the past. Read this article on how to find the right contractor.
In the story above, Betty tried to prevent getting injured in her bathroom. She did a great job being proactive and recognizing she needed help. But Betty didn’t realize she needed an occupational therapist to look at the big picture for her tub shower.
I am happy to assist you in creating a team that is committed to help you stay at home! Planning home modifications in advance is much better than needing them right after an injury or illness. You need to do it before you need it!
If you know of a financial resource for home modifications that I did not list, please contact me! I would love to add it!
[This post is written by Sharon Ugochukwu, a occupational therapy assistant student at National American University.]
Now you’re home after a stay in rehab after breaking your leg. You realize how hard it is to get around the home. A friend recommended you have an occupational therapy evaluation to make it easier to do what you need to do. The occupational therapist listened to your needs and gave great ideas for home modifications (i.e. changes in the home). You are excited to turn those ideas into reality.
Now, all you have to do is find the right contractor for the job. It’s important for the occupational therapist and contractor to work together to make the changes that are customized to you. Although the occupational therapist knows contractors to work on your home, you want to find one.
Even when you decide you want to find a contractor on your own, the thought of doing this can be overwhelming. Leon Harper of AARP states, "While there's a growing need [for home modifications], there's also been a growing fear, as a result of the unfortunate work of a few unscrupulous contractors.” People choose to scrap the plans for home modifications because of this fear.
For instance, you heard Susie’s story of the contractor who took her money and was never seen again. Uncle Bill’s contractor left a huge hole in the roof and a toilet that fell through the floor. No one wants to have these experiences! So how do you wade through the sea of contractors to find one who is honest, trustworthy, and does quality work? In this blog, we will give you eight steps to do just that!
1) Organize your project on paper. First, make a list of what you want done. Be specific regarding what changes you want in which rooms. What materials are you interested in using? List them by priority to you. This will help keep you focused and determine what kind of contractors you need.
2) Compile a list of contractors. Next, ask friends or relatives for their recommendations on contractors. Talk to employees at a lumber yard or hardware store if they know of anyone reputable. Ask a trusted realtor who they call first to fix homes. Social service agencies often partner with reputable contractors. Contact a few and get recommendations. In the Kansas City area, call up Rebuilding Together and United Way.
Rebuilding Together works with these Kansas City contractors:
Climate Control Heating & Cooling
Clinton County Trailer Sales
C. M. Mose & Son
Full Nelson Plumbing
Homes By Chris
Larry Brown Excavating
Liberty & Northland Plumbing
Paul’s Heating & Cooling
Professional Pest Solutions
Richard Huber Plumbing
Western Specialty Contractors
3) Choose contractors willing to work with your occupational therapist throughout the entire process. Research shows that occupational therapists are the most effective at home modifications for you in your home because of their medical training (Stark, Keglovits, Arbesman, & Lieberman, 2017). Occupational therapists work with you on your priorities. We are a client-centered profession! Not to mention, clients report more satisfaction with home modifications if an occupational therapist is involved.
Contractors + occupational therapists = SUPER TEAM! Together, these professionals can help you live safely in your home!
Bonus tip: Some contractors receive specialized training for remodeling a home to fit different needs and stages of life. These contractors are called certified aging in place specialists also known as CAPS. Several websites where you can find them are listed below:
National Association of the Remodeling Industry
Certified Aging In Place Program (CAPS) members can be found here:
4) Don’t allow yourself to be pressured by family members. Ah, families! Do you have a cousin, Mike, who tells you, “I do great work and can beat anybody’s price out there,” but really doesn’t? Yeah, that’s a difficult spot to be in. It can be hard to turn them down. But after all, you are paying money for your home modifications and want to stay safe in your home. Let’s not compromise the work in any way! You can just say, “Thank you, Mike, for offering your services. I want to check with a couple more contractors. I will get back with you” or, “I appreciate your offer, but I prefer not to do business with family” and leave it at that.
5) Make some calls. Once you have assembled a list, make a quick call to each of your prospective contractors and ask them some quick questions (Tom Silva, 2018):
• Do they take on projects of your size?
• Are they willing to provide financial references, from suppliers or banks? (Here you want to find out if they paid their suppliers on time and if they are maintaining a bank account in good standing. This will give you clues on their business, money management, and an idea how they will handle what you are paying them.)
• Can they give you a list of previous clients?
• How many other projects would they have going at the same time?
• How long have they worked with their subcontractors?
Per Tom Silva, “The answers to these questions reveals the contractor’s availability, reliability, how much attention they'll be able to give your project, and how smoothly the work will go.” If a contractor seems defensive or does not want to answer these simple questions, they are probably not a contractor you want to work with.
6) Narrow your list. From that list, pick at least three contractors you liked. You will invite these contractors to your home to ask more questions such as:
How long have you been in business?
Do you have experience in doing home remodels for people who want to stay in their home as they age?
Are you licensed, bonded, and have worker’s compensation insurance? Check for proof.
Get a written bid from each contractor.
7) Call the references! Ask previous clients what their experience was like with the contractor. Some questions to ask include:
1) What were the contractors work habits on your job?
2) Did he/she stick to the contract?
3) Did your project stay on budget, or at least close to budget?
4) Did anything go wrong?
5) What was the working relationship like between the contractor and any subcontractors?
8) Compare. Now compare the responses, provided references, and bids of these contractors. You should be able to decide on the contractor to work in your home!
Some final words:
Expect the good contractors to be busy and not immediately available. Good contractors are the busy ones!
Avoid contractors who just show up at your door offering services at an unbelievably low rate. A common ploy is for contractors to come to your house and say they just finished a job down the street. They have some leftover supplies and wanted to offer you a great deal! More than likely it is not trustworthy. These people are often scammers.
Do not work with a contractor who asks for the entire cost or even half of the cost up front. They could end up taking your money and disappearing. Experts recommend you pay no more than 10% of the cost up front (Tom Silva, 2018). Scheduled payments should be made at particular points along the home modification process.
Do not make a final payment unless the job is 100% complete and you approved the work. Contractors have been known to leave the final touches unfinished after a final payment.
You can’t depend solely on online reviews to choose a good contractor. Some companies pay people to post a positive review. This should not be a substitute for checking references!
Likewise, you cannot depend on the online referral lists, such as Angie’s List. Companies are supposed to be listed on this site according to their performance. However, Consumer Reports wrote that a contractor can move up the list of preferred contractors by paying an advertising fee (McGrath, 2013).
While nothing is guaranteed, these steps will help you choose a trustworthy contractor with the skills you need for your home modifications. Rest assured you will be confident while choosing the right team to make your home beautiful and accessible. Tell us about your experiences with contractors! What tips do you have to add?
McGrath, M. (2013, September 19). Why Consumer Reports Says You Can't Trust Angie's List. Retrieved from https://www.forbes.com/sites/maggiemcgrath/2013/09/18/why-consumer-reports-says-you-cant-trust-angies-list/#920de771bfa7
Stark, S., Keglovits, M., Arbesman, M., & Lieberman, D. (2017, March 01). Effect of Home Modification Interventions on the Participation of Community-Dwelling Adults With Health Conditions: A Systematic Review. Retrieved from https://ajot.aota.org/article.aspx?articleid=2601471
Top 8 Pro Tips on How to Hire a Contractor. (2018, January 06). Retrieved from https://www.thisoldhouse.com/ideas/top-8-pro-tips-how-to-hire-contractor
Do you identify yourself as a shoe lover? Look in your closet. Count your shoes. How many pairs do you have? New Dream reports in the U.S. the average man owns 12 pairs of shoes and the average woman owns 27 pairs.
Whoa! But I completely believe it!
Americans buy shoes for different purposes and occasions; and maybe several types of shoes for the same occasion! We can’t get enough of shoes. We buy them even if we don’t need them. Shoes may have an interesting, cool design that speaks to us and helps us express ourselves.
Do I NEED glittery tennis shoes?
But does the glitter on the shoes represent my inner sparkle in a way that I don’t feel like I can effectively do on my own?
Now, what if I were to tell you that shoes are a form of home modifications (a.k.a. changes you make in your home)?
I know. Yes, it’s true! Shoes can affect your ability to do what you need and want to do inside the home!
Shoes are like friends, they can support you, or take you down.
Last week, I talked about how footwear can help you prevent falling outside of your home on wet leaves. This week I am focusing on shoes again because they are just that important!
Lately, I have worked with people who are falling inside their home because of their shoes! I will tell you what happened to my poor friend, Rita (names have been changed to protect the innocent).
Rita enjoys wearing slippers. They are easy for her to put on in the morning and take off at night. Slippers keep Rita’s feet warm and feel so comfortable! She only leaves the house once or twice a week, so Rita doesn’t worry about putting on shoes for outside purposes.
A couple of weeks ago, Rita’s darling son and daughter bought her a brand new recliner. The new chair had a button to put her feet up and down. Surprisingly, the chair could also lift Rita to stand up! She could fully recline in the chair to take a nap during the day! Rita couldn’t wait to live her best life in that chair!
After her son and daughter left, Rita heard the doorbell and tried to stand up to answer it when something unimaginable happened. Rita put her feet on the ground, but felt her feet keep slipping out from underneath her! She dug her slippers into the carpet to try and regain her balance, but it didn’t work. Rita slid out of her brand new chair onto the ground in shock. Her visitor came in through the door and found Rita. “I’m down here!”
Luckily, Rita was not physically injured, but her pride was in bad shape. She thought, “I can’t stand up anymore. I’m scared of that chair.” Rita blamed the chair, but the chair wasn’t the problem. It was her slippers!
When I visited Rita, I asked her how often she wore her slippers, “All the time!” I looked at the bottom of the soles and felt it with my hand: the surface of the sole was completely slick. No ridges. No grooves. Nothing to help Rita stop from sliding on her carpet.
I told Rita, “Your slippers are too slick against the carpet. Do you have other shoes you would like to wear?” Rita said ‘yes’ and directed me to her closet. Together, we found a pair of comfortable shoes that gave Rita more stability and balance when she sits down and stands up from her new reclining chair.
Rita feels more confidant in her home again. She can easily get up from the chair and answer the door. Rita freely takes naps in her recliner and watches Family Feud with no concern that she will slid out of her chair again!
Although Rita’s slippers were comfortable, they took her down! The slippers were more of an enemy than a friend in my perspective. It’s amazing how changing Rita’s shoes made all the difference in the world.
Sometimes home modifications are that simple! It can take ONE change to prevent falls in your home. Home modifications don’t need to be complicated, expensive, or messy to make a difference. Consulting with an occupational therapist is the best way to find what changes will work best for you!
I am aware that some people do not like to wear shoes in the house. That is completely fine! Be careful if you find yourself slipping though! Here’s some food for thought if this is your situation:
Am I slipping anywhere in the house? If so, where?
What time of day am I slipping?
How much lighting is in the spot I slip?
What’s on my feet when I slip?
What type of flooring am I slipping on?
Have I tried to wearing socks with grips on the bottom? (Not the ugly hospital socks! Cute ones from the store with grips on the bottom.)
If you answered these questions and still aren’t sure what to do, give me a call or email! I’m happy to help you problem solve!
Remember, falling isn’t just a problem for adults. It’s a problem for kids too! These exact same issues impact children. You can use the same ideas to help kiddos stay on their feet too!
I can’t tell you how many times I slipped on the linoleum in the kitchen growing up. Many an elbow was bruised. If only I had my occupational therapy know-how back in the day!
Do you know someone like Rita? If you do, ask them what shoes they like to wear in the house. Maybe traction spray on the bottom of a pair of slick slippers can give enough stick between their feet and the carpet or hard floor. Or if you need some extra input, give me a call.
What types of shoes do you wear in the house? Or do you even wear shoes in the house? Comment below! What types of tricks do you do to avoid falling inside the house? Have you made any changes when you found yourself falling? Share your experience to help others learn what they can do to be safe at home!
Time moves so quickly. How is it already fall? It seems like everyone is talking about the omnipotence of pumpkin spice or their upcoming Halloween plans! (FYI: I was Frida Kahlo last year and am uncertain as to what I should be this year. Leave your suggestions in the comments below!)
I looked out the window and quite a few trees have already turned colors. In my backyard the leaves on two of the trees have turned a pale yellow and are dropping on the ground. With all of the rain in Kansas City the past several days, it feels very slick outside with the leaves on the back stoop and pavement.
“Every leaf speaks bliss to me, fluttering from the autumn tree.” -Emily Bronte
Alright, Emily Bronte. Although the leaves are very pretty to view, they turn into instant fall risks for me. I’ve almost hit the ground a couple of times while picking up branches.
So to help you and me stay upright on our feet, here is a list of four ways to prevent falls during fall!
I am a firm believer in wearing whatever type of shoe you prefer. However when it precipitates outside, we need to seriously consider more practical footwear. Look for a shoe with a rubber sole that grips wet leaves and slick pavement to keep you sturdy while walking outside to the car or into school or work. I gleefully wear my rubber boots when walking my dogs on rainy days with the knowledge that I won’t slip and fall. Freedom!
If I want to wear other shoes at work or visiting friends and family, I wear my rubber boots in the car and carry my other shoes in a tote! Easy peasy! I can have my cake and eat it too!
Also consider anti slip pads for the soles of your shoes for indoor and outdoor surfaces. You place the anti slip pads to the bottom of your shoes and walk in confidence. Look for anti slip pads on Amazon or any big box store for around $10. It’s a reasonable investment to avoid falling. I don’t think you need anything as hardy as anti slip traction cleats to combat ice yet. BUT we are almost to that time of year as well.
Shorter days mean less light when I leave early in the morning and arrive home in the evening. It’s hard to see slick spots on my back stoop, stairs, and sidewalk.
A simple solution is adding more light to avoid stepping in a huge puddle of mud. Solar panel pathway lighting is becoming more inexpensive and affordable to install by the walkways in and out of your house or apartment. Pathway lighting takes little effort to maintain and gives enough light to see where to safely walk. You can choose from an assortment of different designs to make your outdoors look even more beautiful.
You also want to consider mounting an automatic motion sensor light by your main entryway. When the light senses you coming towards the door, it turns on and allows you to find your key and the keyhole to quickly enter your home. Most of the automatic motion sensor lights have adjustable timers to turn off after sensing no movement. This feature conserves energy in addition to preventing any falls you may have trying to get in and out of the house.
3) Non slip outdoor flooring
My back stoop is made out of wood. Unfortunately, a lot of paint has chipped off due to the elements and being a part of the main entryway of the house. The foot traffic, sunshine, wind, and rain, and snow combined have worn the poor sucker out.
How do I fix it? Well, I could repaint the back stoop and apply a non slip coating or traction spray, like Slip Doctors, to prevent falls in the future. This is the least expensive option. You can find these items online or in store easily and slap it on your flooring. The only problem is non slip coating tends to fade away after use and time. You need to reapply the coating to ensure you stay fall free when entering and exiting your home.
Another option is to place non slip flooring on top of the existing stoop (I have to step up inside of my house anyway. I might as well shorten the distance!). Some non slip flooring that attracts my eye is recycled rubber (which can go on steps too), composite decking, paver tiles, or deck tiles. Non slip flooring would last longer than non slip coating and prevent me from slipping on my stoop when the rain and ice hits.
Lastly, you can place non slip treads on the stoop and step to give more friction to your feet when going in and out of the house. Non slip treads come in strips or tape form to make it easy to apply where you prefer. Slip Doctors sells rolls of non slip tape with different widths to give you the choice to create the length you need for your home. You can find non slip treads in all kinds of colors including clear! The price range is $15-35 per unit. I recommend you seriously consider the black non slip tread with the reflective strip to avoid falling at home.
A portico is a part of the roof that hangs over your main entryway. I technically do not have a portico; part of the roof hangs over the door about 12 inches, which makes it nice and dry for the first step out the door!
It would be lovely to have a portico cover my little 3’x4’ stoop to protect it from rain and snow. I wouldn’t worry about slipping on the stoop because it would remain dry.
Building a portico isn’t cheap, but there are other options. You could consider using a canopy, a patio cover, pavilion, or retractable awnings. With so many choices, it’s easy to plan and decide what will work best for your finances and aesthetics.
At the end of the day, I just don’t want you or me to fall, capiche? Look over these fall prevention tips and choose what’s going to work out best for you!
Please comment down below and tell me how you prevent falls in the fall! Let me learn your ways!
The goal of Stay at Home Solutions is to do everything in our power to help you make changes in your home in order for you to live safely and independently for as long as you would like. However, the reality is sometimes “the best-laid plans of mice and men often go awry”, meaning that you can make as many changes as you would like to your home, but you may need 24 hour personal care that your family cannot help you with.
None of us like to think that we could end up in that situation. Since we are practical people, we like to share additional information on what else you can do to prepare yourself. Luckily, we found someone who enjoys helping people do the same.
Hazel Bridges is the creator of AgingWellness.org, a website that aims to provide health and wellness resources for aging seniors. She’s a breast cancer survivor and challenges herself and others to live life to the fullest. Hazel contributed the information below for you to make the best decisions for you!
Preparing for the Costs
of Long-Term Care: Tips for Seniors
It’s important to plan for your long-term care needs even if you don't end up needing it. You can never be sure if an unexpected illness or accident will suddenly change your ability to care for yourself. Though Medicare is valuable to seniors, it provides little coverage for the extensive costs of long-term care. The best thing you can do is prepare for the possibility of long-term care while you’re still able to make important decisions and look into your funding options.
Know What Types of Costs to Expect:
There are three main options for long-term senior care: nursing homes, assisted living facilities, and in-home care. According to A Place for Mom, a private room in an assisted living center costs about $90 per day while a private room in a nursing home costs $205 per day for the more intensive levels of care. In-home care costs anywhere from $112 to $192 per day, depending on the amount of time that care is required. If you have family members that can step in and help out, you can cut out some of the costs of in-home care. If you’re looking for the most affordable facility options, consider a care center in a non-urban area rather than one in the city.
Understand What Medicare and Medicaid Cover:
Long-term care services include assistance with daily living tasks such as dressing, cleaning and eating. Although Medicare can help seniors out with their required medical services, it does not cover any other aspects of long-term care. For example, Medicare covers doctor's visits, prescription drugs and hospital stays. It may also pay for a portion of the costs for short-term care in a certified nursing facility following a hospital admission, which can be helpful if you just need to recover from an accidental injury. Other than this, the program does not help with personal or long-term care services.
Unlike Medicare, Medicaid can help you cover some of the costs of long-term care, but only if you are low-income with few assets. Medicaid does pay for long-term care services in nursing homes and at home. However, states have different eligibility requirements and differ according to which services they cover.
Consider Funding Long-Term Care Yourself:
Of course, you are welcome to self-fund your long-term care if you have the means. This is a great way to avoid paying expensive premiums for insurance and have the flexibility to put your money exactly where you need it. However, this is difficult to do unless you have substantial savings built up or assets that can be liquidated. Selling your home can be a viable option if both you and your partner are moving out of the house. Before you sell, make sure you're up to date on the current home sale trends in your area. For example, homes in Smithville, Missouri have sold for an average of $215,000 in the last month.
Know About Your Insurance Options:
According to Mariner Wealth Advisors, there are two main types of long-term care insurance. These are the stand-alone policy and life insurance with an accelerated death benefit rider. Stand-alone long-term care insurance covers the expenses that aren’t taken care of by either Medicare or Medicaid. This includes assisted living, nursing homes, and at-home care. However, if you don’t end up needing care, you don’t get any benefits from the insurance. On the other hand, a death benefit rider on a life insurance policy allows you to receive benefits if you end up needing care while any unused benefits will be paid to your beneficiaries. This type of policy is more flexible but tends to have higher premiums.
Many Americans' greatest fear about aging is requiring long-term care and not being able to pay for it. This is no surprise since costs can get as high as $100,000 to $250,000. Although government programs can be valuable to seniors requiring medical services, it's important that you make alternate plans to pay for possible long-term care needs in your future.
Although planning long-term care has its benefits, this can be a difficult topic to discuss between family members. No one enjoys thinking about the possibility of needing long-term care in the future. It’s easy to put this topic on the back burner.
Some tips to make long-term care planning easier include:
Reflecting on what you want if you needed long-term care
Identifying family and social supports
Organizing information you gather to help you make sense of everything