Arizona Long Term Care
Long Term Care Facility
Long-term care is a broad term describing many different types of care for seniors or those with disabilities. Generally, care is provided by a nurse or a caregiver, who specializes in geriatric care. Unlike acute care or rehab, long-term care is intended as a permanent solution to aid people in their daily lives. Many people use some form of long-term care for many years in their advanced age.
As people age, there can be a gradual mental or physical decline and people sometimes lose the ability to care for themselves safely. Ideally, everyone would like to live in their own home for as long as possible taking care of themselves, but oftentimes, this is not possible. If you or your loved one are having difficulty performing activities of daily living, maybe it is time to start thinking about long-term care.
The most common need seniors have is for personal care, which in layman’s terms means that they need help with their ADLs (Activities of Daily Living). ADLs include eating, cooking, managing medications, toileting, walking, dressing, bathing, and even getting up and down out of bed. Personal care, sometimes called attendant care, can be provided in a variety of settings.
There are several benefits to in-home care. These benefits range from more obvious advantages like the ability to receive comprehensive care to less obvious advantages like the psychological benefits that go along with being able to live in one’s own home.
Many people who are hesitant to begin long-term care are more comfortable knowing that they can get care in the comfort of their own homes. Nurses, professional caregivers, and family caregivers generally help with providing in-home care to seniors.
If you are interested in in-home care, but not sure if you can afford it, don’t worry, you’re not alone. There are many benefits available to seniors and their families to help people afford the care they need. Also, for those who have had to quit their job to take care of a family member, most states will pay family caregivers through their long-term care Medicaid programs.
In-home care, although ideal for many seniors, may not work for every situation. The amount of care your loved one requires may not be affordable. For example, if your loved one needs 24/7 in-home care, the cost would simply be too much for most people, even with the assistance of state or federal benefits. Therefore, in-home care may not be right for seniors with extremely severe mental or physical disabilities. You can expect the private-pay cost for in-home care to run into the thousands of dollar range per month. Call Senior Planning today to learn what benefits might be available to you to help alleviate some of the cost burden.
Assisted Living Facilities
When most people think of long-term care facilities, they are imagining what is known as assist living. Assisted living is designed to care for those who have trouble caring for themselves. Some may know them as nursing homes, but for most seniors at assisted living communities, they do not actually need nursing care.
The main benefit of assisted living is the amount of care that can be provided by trained professionals. Assisted living facilities can provide 24/7 assistance to those with conditions which require around-the-clock supervision for a much lower cost than if they were receiving that care at home. While still expensive, the cost of the care can be 100% covered by most states’ long term care Medicaid programs, leaving no out-of-pocket costs for families.
Those living in assisted living facilities have every need covered. Staff is knowledgeable on their disabilities as well as what kinds of care they need. Things like room cleaning, utilities, food, laundry, and so on are all taken care of.
Residents can choose between private rooms or a room with a compatible roommate. For married couples, they can generally secure a surprisingly good deal if both are need of care.
Finally, whatever emergency services should be needed by your loved one will be instantly provided for at a long-term care facility. This is crucial for people with compromising illnesses. Many facilities have a resident doctor or nurse practitioner on premises.
Skilled Nursing Facilities
Skilled nursing is generally the highest level of care found outside of a hospital setting. This is for people who need active medical care to remain healthy. Generally, skilled nursing is not a permanent solution, but more of a stop-over between a hospital stay and more general assisted living or in-home care. This is the only type of long-term care that Medicare will pay for, but even then, they will not pay in perpetuity. If someone must be in skilled nursing longer than Medicare will cover them, they should apply to Medicaid. Medicaid’s long-term care program will cover skilled nursing for as long as someone needs. Senior Planning offers free Medicaid consultations to see if Medicaid might be right for your situation.
Frequently Asked Questions
What are the disadvantages of a long-term care facility?
At a long-term care facility, the main complaint is that seniors may feel they have a lack of control. Everything from food to decorations is tightly controlled by the facility. This can be a big adjustment for seniors who are used to living their lives independently. For those with certain diseases like dementia or Alzheimer’s, the move can be stressful because they will not longer have the comforting presence of familiar surroundings. Generally, however, people adapt. They find that although life in a long-term care facility is different than life before, it is still extremely fulfilling.
How do I know which kind of care is right for me?
If you are looking for care for an elderly loved one, consider a few factors: can they handle themselves for extended periods of time? Do you have enough money to put them into a facility? And would they like it there? All these questions and more can help you make this very important decision. We can help you decide which level of care you or your loved one might need.
What does Senior Planning do?
Senior Planning specializes in helping seniors and their families plan for long-term care. We can help you find long-term care communities at no cost to you or your family member. We find care based on care needs, desired location, and budget. If we cannot find a community that will work with your current budget, we can help you apply for benefits that will fund your long-term care, making sure you or your family member gets any care necessary.
How to afford long term care
There are many ways to pay for the long-term care you or your family member needs. For those who plan ahead, long-term care insurance is a good option. For those who did not plan or did not have the means to pay for long-term care insurance, there are different benefits that might be available. Did you or your loved one serve in the military? If so, the VA offers a benefit called Aid and Attendance that is specifically designed to help those in need of attendant care. For non-veterans, there are state programs that might be available. Senior Planning can help determine which benefit is right for you and can help you get started on the application process.