Who Pays for Long Term Care? Remedy for Austin Caregiver Burnout and Texas Financial Help with Elder Care
Posted Jan 02 2008 6:20am
Introducing Patti Wilikins with Genworth Financial at (512) 970-3428. She can help with Long Term Care Insurance and answer concerns on caring for yourself when getting older.
Who Pays for Long Term Care? In the past 12 months, how many conversations have you had about LTC?
Caring for aging relatives can quickly climb the ladder of stress, depression, and isolation. Family caregivers find themselves consumed with the elder's life! I've watched my own siblings shred apart when worrying about our dad. A hard topic to bring to family meetings is; "When does dad go to the nursing home?" We struggled with that question for a year.
I watched my two older sisters labor with that senior event - well, actually, they battled more with guilt the whole time dad went downhill and finally made the grueling decision to move him to the nursing home. I hated it. I hated the fact we could no longer care for him, we were thankless adult children and could not continue to do for him what he did for us. We then had the horrifying experience watching him resist moving to the "old folks" home.
Although dad passed eight months ago, guilt is still alive in my heart, mind, and soul. How can I come to terms with it? I don't know.
There is a better choice for you though. And there are many options for happier aging relatives. Yes, living out their lives living with you is not one that I'm referring to. Thank goodness. That can be a tough one especially if you work full-time and care for children of your own. Although, it can be a good, temporary option in the meantime.
I remember my dad, while discussing his move to the nursing home, he cried and said to us, "I wish I had done this differently." Yes, me too.
How could he/we have done it differently? Years before a Long Term Care Insurance Representative visited my parents and presented a long term care plan with LTC insurance. I was there. I sat on the living room floor and listened. After his presentation, I begged my parents to PLEASE think seriously about this option. My mom simply replied, "No, I'm going to the nursing home when I can no longer care for myself." Guess what??!! That never happened to her. But it did to my dad. Looking back he GREATLY anguished over losing the option of living his life out at home.
What I profess to seniors and family caregivers is consider your options. Look at all your choices. You may not have to choose just one but know you have options! So, how do you know "what" to do for yourself or your aging relatives? First, plan ahead. Think about how you want to live out your life... and start planning.
Long Term Care Insurance? What's that? If you parent's are like mine, they are unclear what it is, what it does, and how it can be a life saver for them and you, the caregiver.
Patti Wilkins, a career representative for Genworth Financial, speaks about the misconceptions of Medicare, Medicaid, Veterans Administration, and all the topics that get us confused about who's going to take care of me when I get old?
Yes, there are misconceptions on what it can and will do for the senior and family. It can be confusing and LTC Insurance has changed since there are so many of us living longer. It works well for a lot of seniors. When doing your homework consider the facts; what LTC does and does not do for you.
Call Patti Wilikins today at (512) 970-3428. Ask her to help you understand all your long term care options. She's patient and thorough when helping put forth a plan for the future. Long Term Care Insurance can take the stress out of caregiving and tears out of aging.
Call now! You do have options but only if you plan ahead.
Thank you for visiting. Carol @ WorkingCaregiver.com