home aging

Aging in Place vs. Nursing Home Care: Important Factors to Make the Right Choice

home aging

A growing portion of the older population wants to stay in their homes as long as possible. This is known as “aging in place” and has several benefits when it is appropriate for the individual. However, there are some other care concerns to consider when deciding whether someone is at the point of needing additional help.

COMFORT AND FAMILIARITY

Most people want to remain in their homes because of the comfort, familiarity, and memories within it. Moving into assisted living or a nursing home is a big change for anyone, but especially for a senior who feels the loss of their independence during this transition. Remember that, when it is safe for them to stay there, someone’s home can support their overall mental and physical health.

If staying in the same place is important to your loved one, look for ways to ease your mind while also protecting their independence. Is there a neighbor or friend who can check on them each week? Can you drop in every other weekend to make sure things are going well?

SAFETY CONCERNS

Many adult children or other loved ones start thinking about these issues because they’re concerned over safety. Triggering events prompting a conversation about additional care needs include a loved one beginning to show signs of dementia or suffering one or more physical incidents like a fall in their home.

YOUR TIME AND PROXIMITY

As a family member, it’s natural to want to do everything you can to care for a loved one. Caregiving, however, can be very difficult and time consuming. It can be even more challenging if you don’t live nearby. If your time and that of other family members can no longer support a loved one, a nursing home or assisted living may be the answer.

FINANCES

Whether or not your loved one owns their home is the first consideration. Ongoing mortgage payments are just part of the puzzle. It can be hard for people to part with their home, but maintenance concerns and costs can be problematic. Evaluate the age of appliances and yard maintenance required, too. At some point a home might be more trouble than it’s worth to the occupant.

MEDICAL SUPPORT NEEDED

If a loved one only needs help with light housekeeping or meal preparation, they may not need to move to another location, especially a nursing home. Local organizations or a part-time hire could help with these needs while allowing your loved one to stay in their home.

However, if they have more advanced medical needs or challenges with multiple activities of daily living, in-home care from a medical professional could bridge the gap. For more advanced situations, a nursing home might be appropriate.

There are other care options along the spectrum in between care services provided by family and a nursing home. Part-time help from someone local such as a nurse, in-home care providers, assisted living, and adult day care are just a few. For someone who needs extra support but does not require the support of a formal nursing home, these options are well worth exploring.

Contact a New York Elder Law Attorney

An experienced elder law attorney can help you to assess your unique needs and goals. Contact Amoruso & Amoruso, LLP for a personal meeting.

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Managing Your Loved One’s Legal Needs: A Checklist for Caregivers

Serving as a caregiver may require you to oversee your loved one’s legal affairs. A recent article on AARP’s website addressed this issue and included a legal checklist for Caregivers. Here are the highlights.

Obtain Essential Legal Documents

Your loved one should have the following key legal documents: a Will, a Power of Attorney, and  Advance Directives. We will discuss these documents in greater detail later. For now, it is important to note that these documents should be created, signed, and witnessed while your loved one is still capable of making legal decisions on his or her own.

Get the Whole Family Involved

It is important to have everyone in the family participate in caregiving decisions whenever possible. You may even want to put into writing “who is responsible for what.” While this is not a legal document, it can help avoid disagreements in the future.

Love One Another - Focus on the Family

Organize Your Loved One’s Important Papers

In addition to the essential legal documents mentioned above, you’ll want to find and organize a number of other documents, including:

  • Birth and Marriage Certificates
  • Divorce Decree
  • Citizenship Papers
  • Death Certificate of a Spouse or Parent
  • Deeds to Cemetery Plots
  • Military Discharge Papers
  • Insurance Policies
  • Pension Benefits

Investigate Opportunities for Financial Assistance

There are a number of programs and services available to elders and/or individuals with disabilities. These include Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), veterans benefits, the Supplemental Nutrition Assistance Program, Medicare, and Medicaid. You can use online tools like the AARP Foundation’s Local Assistance Directory and the National Council on Aging’s Benefits Checkup to determine local, state, and federal programs for which your loved one might be eligible.

 

You should also examine your loved one’s retirement and insurance plans to see if any of them cover in-home care, skilled nursing care, mental health services, physical therapy, and other forms of short-term assistance. Your loved one’s life insurance policy might even provide accelerated death payments to help pay for long-term care.

 

Also, if you must take a leave of absence from your job to care for a loved one, you may be eligible for up to 12 weeks of unpaid leave under the federal Family and Medical Leave Act. In addition, some employers offer paid family leave, and five states (New York, New Jersey, Rhode Island, Washington, and California) plus the District of Columbia have laws mandating paid leave for caregiving. Several other states are set to implement such laws by 2023.

Explore Tax Breaks and Life Insurance Deals

Your loved one may be able to receive federal tax deductions for health care expenses such as a wheelchair or hospital bed, remodeling the home to make it more accessible, and hiring a short-term or part-time home health aide to provide respite for the primary caregiver. Be sure to save receipts for all medical expenses.

 

You can read the entire AARP article here:

https://www.aarp.org/caregiving/financial-legal/info-2020/caregivers-legal-checklist.html