4 Financial Prep Tips for Elderly Home Care Support Services

If you require in-home or even long-term care, the costs can start to be astronomical. You have to be financially prepared in order to afford these additional care support expenses. Here are some of the tips that you should use in order to prepare for elderly home care support services.

Look into Long-Term Care Insurance

There are insurance plans that will offer a long-term care assistance package. It may cost of a little extra each month, but if you do end up requiring additional assistance, your insurance would help to cover the costs. 

Some plans will offer to pay a portion of the costs that may be associated with living in an assisted living facility. You may even be able to stay in your own home for longer if in-home health aid costs were covered.

Consider Disability Options

In some instances, disability may be the only recourse that you have when it comes to paying for the costs of care. Some companies, like Simply Helping, know that most insurance plans offer an optional disability portion on them. 



You could use this to help cover some of the elder care support agencies that would be willing to assist you. This would allow you to stay in your own for a longer period of time. Typically, in-home care aids will come to your house and do the tasks in which you need assistance.

Make Modifications to Reduce Assistance Needs

Another option is to make your home as accessible as possible. This could include things like adding grab bars in the bathroom to provide you with additional support. 

You also might want to consider having a step-in shower so that you don’t have to worry about stepping up and into the tub. Wider doorways and adding ramps for easier access into and out of your home is another thing that you might want to take into account.

Reduce Household Expenditures

Cut back on your budget so that you can put more money away just in case you need additional funds as you age. If you’re already at that point, there may be places in which you can cut back on your monthly expenses. 

There are programs that will assist you with reducing your energy bills by working with you to make your home more energy efficient. Another place to cut back is with volunteer organizations that will bring meals to your door.

There are lots of options that you can consider if you need help paying for in-home care assistance. Use these tips to get you started on the process of financially preparing for the costs of needing elderly home care support services.

How to Get Your Best Caregiver in Rhode Island

There are many channels of getting caregivers. From a friend of a friend who knows someone to a friend’s child offering caregiving services part time, your choices are endless. This is a common means of getting a care giver but it isn’t advisable to get these services from such people because of the security issues associated with them.

Unless you fully trust these persons, you shouldn’t seek a professional service provider. Rhode Island has a center for care giving services for you that has an online presence giving you convenience of booking your preferred care giver at your preferred time.

Follow the following procedure:

Registration

Login

You must register your details on the website. It is important for you to ask for help from a younger person if your elderly and you require a caregiver. Essentially, you require a caregiver to help with such details. Get someone you trust. This shouldn’t be a problem if you are getting searching for a caregiver for a loved one.

You should select the Careseeker tab on the web page that you open. In most cases the ‘Careseeker’ is the default button, and you do not have to switch tabs.

You should set up a password/ have a password set up for you. There is also a checkbox that lets you choose if you are the senior person seeking care of if you are the friend/ relative. 

Registration details

Remember to include your email address to sign up, add your profile information. This is simple and like many other forms you’ve filled online and offline. You therefore require your DOB, name, phone number and your physical address. Photo upload is optional.

Select services

Once you have entered your details, you should check the services you expect from Senior Care Center Rhode Island. This will make it easy for the service providers to meet your needs. 

Start searching

Once you finish the sign up; a box will pop up to inform you if your application is successful or not.

If successful, start searching. Search for provider within your locality. You will get all information about potential caregivers including their reviews, photo, their rates, their availability and the services they offer. Availability is very important therefore ensure that both your times and theirs match. 

Specific searches

There is the option of choosing a specific feature from your caregivers. For instance, the list view will give you a list of all caregivers while you can choose male or female providers if you need a caregiver of a either gender.

Questions

There is a button that will let you send a message if you have questions about the services or the caregivers. 

Booking

Once you get a caregiver whose availability matches your preferred time, you should go ahead and book. Time blocks are available and you can book multiple blocks. Place your request after you are satisfied with the total costs and time. 

Safety

In case you have a problem you should contact the relevant people. Call 911 for emergencies and send an email or call the center for non-emergency problems.

In conclusion, these steps will help you in getting the best care or caregiver for your loved one at the time of your convenience. The caregivers are vetted before their profiles are on the website ensuring that you get nothing but the best.

Author Bio
Joy Sanders is a cyber security analyst and a social worker at senior care center Rhode Island. She will help you in getting the right care giver by having the safest and easiest login and search website running at all times. She is a part of the team vetting the caregivers.

How to Save Money on Your Parent's Senior Living

Nursing Home (Photo credit: LOLren)

When you are thinking of moving your parent into a senior living home or you are considering assisted living, knowing how to go about saving money on costs altogether can help to alleviate stress on you and your family throughout the actual transition of moving itself. Saving money on your parent's senior living can be done with a bit of research and an understanding of your parent's needs and wants in a senior living care facility or home.

Amenities and Features

Consider the types of amenities and features your parent is looking for with a senior living care facility or program. The types of amenities and features that are often available within senior living homes and facilities range from medical doctors and nurses to professionals to assist with bathing, cooking, cleaning and other daily activities. With a diverse array of amenities and personalized services, residents can select the lifestyle that best aligns with their needs and desires. The vibrant community environment encourages social interaction, allowing individuals to connect with others while enjoying their independence. Typically, somewhere like one of these Choice Connections independent living options can offer seniors the perfect balance of autonomy and community support.  Consider the type of activities your parent enjoys as well as outdoor options that may be available before selecting senior living care for your loved one.

 Determine Needs

Before selecting a senior living solution for your parent, it is important to consider their needs as well as the space they require before comparing your options. If your parent requires daily care and medical aid, keep this in mind before shopping around for the right senior living facility or home care solution.

Consider Your Budget

Consider the budget you have available to pay for the costs of a senior living facility monthly, annually or even if you choose to opt for home care. It is also important to consider whether your parent is eligible for medical aid from the state or government based on their age and current state of health.

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I remember looking for a place for my dad to stay and budget was huge for my family. Sunshine Retirement Communities was a place we found that happened to have a cost of living calculator on their site. This was very helpful in projecting the costs our family would need to take into consideration when planning to finance his retirement. More info about that calculator here.

Sharing Space

According to Paying for Senior Care, sharing an apartment space or senior assisted living home is also another way to reduce costs, which is ideal if you are on a budget but still seeking additional amenities for your parent.

Compare Out-Of-State Assisted Living Homes

It is also highly advisable to review and compare out-of-state assisted living homes and senior care options. Some states throughout the US have a drastically lower cost altogether for healthcare, including healthcare for seniors.

The more time you take to research various senior living homes and services, the easier it is to find a suitable location for your own parent. Taking the time to research occupancy, available space, and amenities featured at various senior living homes can also give you and your parents more insight into determining the right placement for any age.