You are a take charge person. You like being in the driver’s seat. It’s your life and you want to be sure you get to live it your way.
Perhaps you cared for your parents and want things handled differently when you reach your own elderhood. Maybe you do not have children and wonder who will help you when you need it. Perhaps you do have children and want to have your independence, make your own decisions.
This blog is for those who want to proactively plan for their later years. Check out our monthly posts for thoughts that can help you decide what will work best for you in terms of housing, paying for care, and meeting life’s challenges as you age.
Want to set up a plan? Call us for a consultation: 617-283-1041
One of the joys of retirement is the ability to travel. But you may not have Medicare coverage where you go. The rules for traveling outside the United States, and even outside your local network, are very strict and can be very limiting. Learn about the general coverage options for original Medicare, Medicare Advantage, and Part D plans. Also gain tips about purchasing travel insurance.
Aging comes to us all. What makes solo aging different is the need to be more proactive about arranging for help. Twenty-two percent of older adults acknowledge they will need to take care of themselves. (Even if you are partnered now or have children, you are wise to consider the possibility of solo aging because, well, things can change … death, divorce, estrangement. In that light, we are all potential solo agers.)
Most people are surprised to learn that Medicare pays for only a limited amount of the daily care you are likely to need in your lifetime (about 14%).
Medicare covers only services delivered by medically trained professionals. That means you need to have savings or insurance and rely on a collection of local programs. Or family and friends who may be able to pitch in with labor or funds.
Allowing a stranger into your home can leave you feeling quite vulnerable. It’s important that you trust the individual and the company that does the background checks, verifies training, and puts together the schedule.
You also need to interview each company to find out pricing and minimum number of hours, and to see if they have independent quality ratings.
Choosing an assisted living community, a continuing care retirement community (CCRC), or a memory care facility is a big decision. You want to get unbiased recommendations for a good match from the start.
Your elder care support team will include friends and family, health care providers, and professional advisors. An Aging Life Care Manager can help you select wisely and coordinate these services effectively.
How you pay for care at home depends on whether the service is by medically trained staff or by nonmedical caregivers. Also, what you can mix and match in terms of community programs and help from friends and family.
Medicare pays only for care in the home that requires the skills of a nurse, nursing assistant, physical therapist, or other medically trained professionals.
Accidents by their very nature are unplanned. That doesn’t mean you need to be unprepared for a fall or a serious incident (e.g., a heart attack or stroke).
Those who are prepared and have a professional advocate, such as an Aging Life Care Manager, are more likely to get the care and the outcomes they desire. Plus, they can recuperate in a setting most in line with their personal needs and preferences.
Imagine your life as a movie. If you are the director, an Aging Life Care™ Manager is your production manager.
He or she is a deeply knowledgeable guide (usually a nurse, social worker, or allied professional) who finds you high-quality help, arranges care “locations,” and advises you about needed services.
Aging Life Care Managers are part of a national organization with training requirements, codes of ethics, and a nationwide network of experienced colleagues in case you need to move to a different part of the country.
In your elderhood, it may be that your best, most affordable option is a group care setting. Learn the difference between assisted living, memory care, skilled nursing (rehab), a nursing home, and a continuing care community (aka life plan community).