Resources For Caregivers

Over the years I have witnessed many families struggle with the onset of illness of a loved one. Its unfortunate that making decisions are often left to the point where urgency is the primary motivator. In an ideal world the family would get together and have an open conversation about what alternatives are available. It is not uncommon for the primary caregiver to hide the extent of their loved ones disability, by compensating for their deficits actually causing the crisis situation.

Many people believe that Medicare will cover the care needed at home. It often comes as a shock to families when they learn that Medicare Home Health provides intermittent visits. For example if a patient is released from the hospital after breaking a hip Medicare, when ordered by the doctor, will pay for a skilled nurse, a physical therapist and a home health aide depending on the patients' needs. But the health care professionals are only in the home for a limited time, meaning that the patient may be without help the majority of the day and all night. So the question becomes what options do families have when they find themselves faced with this situation.

When family members are nearby generally speaking they share the burden until this short term condition gets resolved. If that is not the case there are home care agencies who employ Certified Nursing Assistants and Home Health Aides who can provide the needed care. In recent years there has been growth in the long term care insurance sector and some elders have coverage. But families should call for their loved one and learn exactly what the policy covers. Some require that certain activities of daily living (ADLs) be ordered by the physician. Our company verifies the coverage of patients so there are no misunderstandings. My experience has taught me that sometimes seniors believe that their policy will cover twenty-four hour care, when in reality the policy pays X number of dollars per day. Therefore, if the daily amount is $100.00, and the hourly agency rate is $20.00, the patient is covered for five hours care per day. Depending on the situation this may suffice, if not other options have to be explored.

Often when long term care solutions are needed state funded programs, usually under Medicaid, may be part of the solution. Each state has its own rules and regulations but every state has an Area Agency on Aging who can guide a family through the bureaucracy. Income and wealth are always a consideration and sometimes patients have to spend down there holdings to qualify. In the past seniors would move their assets to a family member to qualify but the laws have changed and this practice is no longer legal.

Tom Ramsberger is the Owner/CEO of Integrity Nursing Services, Inc. integritynursingserviceaz.com integritynursingserviceaz.com.

Having earned degrees from the University of Denver and Truman State University in History and Secondary School Education he became the Chairman of a History department in suburban St. Louis. After eight years he accepted a position with Nursefinders of San Antonio, building it into the largest branch in their national network. He then accepted a position as the Southwest Regional Manager for the home care division of Kidde Corporation. He is celebrating his 30th anniversary in the industry. ramsbergerremembers.blogspot.com ramsbergerremembers.blogspot.com