Deciding on care for an aging loved one is a major decision that affects their well-being and your family’s peace of mind. As their needs change, you may find yourself considering various options, including assisted living, nursing homes or even staying at home.
Before making that final decision, it’s important to carefully evaluate what could be the best choice for them. Here are three important factors to help guide your decision.
Current health status and care requirements
Your loved one’s health is very important when choosing care. Think about the level of medical care they need, their ability to perform daily activities and their cognitive health.
Home health services can often provide skilled nursing and therapy at home, which is enough for many older adults. However, if they need round-the-clock care, a nursing home might be more appropriate.
Financial considerations and insurance coverage
Care costs are another important thing to think about. Often, this can be the deciding factor. Consider your finances and the following financial aspects:
- Medicare coverage: Home health services are often covered by Medicare when prescribed by a doctor, but there are limitations.
- Long-term care costs: Nursing homes are generally more expensive than home care, but may be necessary for 24/7 care.
- Insurance options: Look into private insurance, veterans benefits or long-term care insurance that might help cover costs.
Medicare pays for some home health services, but it doesn’t cover 24/7 in-home care or custodial services like housekeeping. Financial planning can help you determine the option that suits your loved one’s needs as well as your budget.
Quality of life and personal preferences
Besides health and financial considerations, you should think about your loved one’s overall well-being. If you’re leaning toward a specific choice, consider these aspects to make sure it’s really the one that fits their life best:
- Familiarity and comfort: Many older adults prefer to stay in their own homes where they feel most comfortable.
- Social connections: Consider how each option might affect your loved one’s ability to maintain relationships with family and friends.
- Independence: Home care often allows for more independence and control over daily routines.
- Safety: Make sure that whichever option you choose can provide a safe environment for your loved one.
Remember, the most suitable choice is one that balances your loved one’s medical needs, financial situation and personal preferences. Consider consulting with an elder law attorney to help you make informed decisions and check care options.