Archive for the ‘Elderly Problems’ Category

Boomers Need Long-term Planning for Long-term Care Insurance

Tuesday, January 6th, 2009

adult-day-care-health insurance


Planning for the future for Baby Boomers involves much more than picking out a retirement community or diversifying a portfolio. The first Boomers became eligible for Social Security in 2008. The last Boomers won’t be eligible until 2026. Regardless of your year of eligibility for Social Security, there are other avenues you must travel to secure your future, as far as long-term care is concerned.

When referring to long-term care, we mistakenly generalize our thinking to exclusively include our grandmothers and grandfathers in assisted living or nursing facilities. What we must realize is that anyone may require the services of long-term care. Although such conditions as Alzheimer’s disease are quite common in long-term care facilities, any number of conditions can require long-term care. A stroke, paralyzing accident, or chronic illness may strike a person of any age, often catching the patient off-guard. And many people do not know that neither conventional medical insurance nor Medicare is designed for the coverage of long-term care.

What do I need to do, you ask, to make certain I am covered in case I need long-term care? Long-term care is a broad term referring to the services supplied to those who need assistance with their daily activities beyond a normal recuperative period of illness or accident. Naturally, the longer people live, the greater the chance that they will need long-term care. The options for long-term care coverage are limited, making long-term care insurance a recommended choice for ensuring adequate long-term care.

Long-term care insurance is not the same as traditional medical insurance. Long-term care insurance varies by available options on selected policies, and may include such services as nursing home care, assisted living, home health care, and adult day care. According to the MetLife Mature Market Institute, the average annual costs of long-term care services include the following: nursing home, $66,795; assisted living, $35,460; home health care, $24,700; adult day care, $16,896. If you are unsure of your ability to financially sustain long-term care for yourself or an immediate family member, long-term care insurance is a viable choice.

One important point to note, premiums for long-term care insurance are set based on age and likelihood for coverage. The younger you are when you purchase your coverage, the lower your monthly or annual premium. Another factor to consider when purchasing long-term care insurance is the type and amount of coverage you desire. As expected, the more coverage you think you will need, the higher the premium. Information regarding long-term care insurance may be obtained through an insurance agent, your employer, or even through the internet. It is recommended that you gather as much information as possible before making your decision.

Have you considered long-term care insurance? Do you feel like Boomers of all ages need to take advantage of the long-term care insurance option? Tell us what you think at is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist, Dr. Karen Turner. Join today to discover the many ways we are helping Baby Boomers connect for fun and profit.

Adult Day Care for Boomers’ Aging Parents

Sunday, January 4th, 2009

Adult Day Care for Boomers’ Aging Parents

Adult Day Care for Boomers’ Aging Parents


As the nation’s population ages, the need for adult day care services increases. Because people are living longer than ever before, baby boomers are finding themselves in the role of primary caregiver for their aging parents. The challenge of caring for elderly parents is multifaceted and will become much more of an issue as more boomers become part of the ever-growing adult day care statistics.

The U.S. Census Bureau reports that from 1900 to 2000 the average adult life expectancy increased from 47 years to 77 years. Clearly, we’re not getting any younger. And the nation’s aging adult population does not lose its need for daily activity and social stimulation with age. However, more often members of the elder generation are losing their independence to such conditions as decreased mental capacity, limited mobility, and chronic illness.

More and more baby boomers are being called upon to provide daily care for their aging parents as their independence decreases. As most caregivers have found, it is not financially feasible to quit work in order to take care of their parents. Therefore, adult day care services give caregivers another option for taking care of aging parents. Although not considered long-term care facilities, adult day care service centers do offer general services for those in need of assisted care.

According to the September 2008 edition of the MetLife Market Survey of Adult Day Services and Home Care Costs, most facilities (79%) are in operation during normal business hours through the regular work week (Monday through Friday). However, some centers offer services on the weekends as well. One important decision involved in selecting an adult day care service facility is the cost. The average daily rate for adult day services is $64, depending among state and demographic area. The following features are offered all or in part in adult day care service facilities:

  • social activities – varied choices depending upon mental and physical conditions of participants
  • transportation –often (59%) free of charge, door-to-door
  • meals and snacks – accommodations made for those with special dietary needs
  • personal care – toilet needs, grooming
  • therapeutic activities – mental and physical exercise

For Baby Boomers, caring for aging parents is becoming more of a reality every day. Adult day care provides caregivers not only the ability to continue with their regular daily routines but also the break from the mental and physical stresses involved with conventional caregiving responsibilities.

Have you taken advantage of adult day care services for your aging parent? How are you managing the demands as a caregiver for your aging parent? Tell us what you think at


Services Available For Elder Care

Each town and city offers a range of supporting services available to older residents 60 years of age or over. Local Information and Assistance Programs and/or Area Agency on Aging can assist older persons and their families in locating the services they need. Some of the services available include:

  • Adult Day Care: Adult Day Care Centers offer social, recreational and health-related services to individuals in a protective setting who cannot be left alone during the day because of health care and social need, confusion or disability.
  • Caregiver Programs: The National Family Caregiver Support Program provides programs and services for caregivers of older adults and some limited services to grandparents raising grandchildren.
  • Case Management: Case managers work with family members and older adults to assess, arrange and evaluate supportive efforts of seniors and their families to remain independent.
  • Elder Abuse Prevention Programs: Allegations of abuse, neglect and exploitation of senior citizens are investigated by highly trained protective service specialists. Intervention is provided in instances of substantiated elder abuse, neglect or exploitation.
  • Financial Assistance: There are benefit counseling programs that can be accessed through the (I&R/A) specialist at your local area agency on aging to assist older adults with financial assistance.
  • Home Health Services: Home health care includes such care activities as changing wound dressings, checking vital signs, cleaning catheters and providing tube feedings.
  • Home Repair: Programs that help older people keep the condition of their housing in good repair before problems become major. Volunteers might come to an individual’s home and patch a leaky roof, for instance, repair faulty plumbing or insulate drafty walls.
  • Home Modification: Programs that provide adaptations and/or renovations to the living environment intended to increase ease of use, safety, security and independence. There are some local, state, Federal and volunteer programs that provide special grants, loans and other assistance for home.
  • Information and Referral/Assistance Information Services (I&R/A): Information Specialists are available to provide assistance and linkage to available services and resources.
  • Legal Assistance: Legal advice and representation is available to persons aged 60 and over for certain types of legal matters including government program benefits, tenant rights, and consumer problems.
  • Nutrition Services: Home Delivered Meals popularly known as “Meals on Wheels,” are nutritious meals delivered to the homes of older persons who are homebound. Congregate Meals provide the opportunity for persons aged 60 and over to enjoy a meal and socialize with other seniors in the community.
  • Personal Care: Services to assist individuals with functional impairments with bathing, dressing, shopping, walking, housekeeping, supervision, emotional security, eating and assistance with securing health care from appropriate sources.
  • Respite Care: Respite is relief or rest, for a specified period of time, from the constant/continued supervision, companionship, therapeutic and/or personal care of a person with a functional impairment.
  • Senior Housing Options: The decision to seek care outside an individual’s home is a difficult one. If you are considering such a move for yourself or a family member, please contact your local area agency on aging I&R/A specialist to determine the full range of support options available to you.
  • Senior Center Programs: Senior Centers offer a variety of recreational and educational programs, seminars, events and activities for the active and less active older adult.
  • Telephone Reassurance: Provides regular contact and safety check by trained volunteers to reassure and support senior citizens and disabled persons who are homebound.
  • Transportation: Programs that provide door-to-door transportation for people who may be elderly or disabled, who do not have private transportation and who are unable to utilize public transportation to meet their needs.
  • Volunteer Services: There are numerous volunteer programs and opportunities available for older adults such as daily telephone reassurance, friendly visiting and insurance counseling