Have you discussed your wishes for long-term care, if the need should arise, with your loved ones?
We are encouraged to save for retirement through a retirement plan such as a 401K or IRA and financial planners and advisors have an arsenal of charts and graphs to help you determine just how much money you will need to enjoy the same lifestyle you do now upon retirement, in an effort to encourage you to save.
This is because Medicare does not pay for long-term care. You must provide for this need yourself.
But what we often miss, is mapping out what kind of care would be preferred and where you would want the senior care to be. Many times senior care can be an emergency need and when families are not sure of the preferred care options, it only adds more stress to a difficult situation. And with just a little planning, the process can be so much easier.
Separate from costs, think about where you would prefer to have care services. In your own home with a professional care service provider? Or, would you prefer to move into a senior community with Assisted Living services in order to enjoy an active senior lifestyle and know that care services are easily available, if needed? And if your care needs are acute, do you want to receive the nursing care at home or in a nursing center?
Once you know how you would prefer to receive senior caregiving services, it is easy to connect with professionals in your area to find quality care providers and senior care communities.
The main types of care options are:
-In-home Caregiving services
-Assisted Living Community
-Nursing Home
-Continuing Care Community
-Independent or Supportive Living
-Outpatient Adult Day Care
Caregiverlist does offer Experts who answer your questions in these areas for free, to assist you to plan ahead for your senior care needs.
