Baby boomers have always been categorized as an adventuresome generation, but when it comes to long-term care, most agree they want to stay at home.
A recent AARP study showed that 90% of us want to grow old at home; here are some of the considerations for determining when in-home care is a viable option:
Personal limitations. These are not only physical limitations but financial as well. While the costs of in-home care are usually less than assisted living or a nursing home, most of those will come out of your pocket since Medicare does not typically pay for home care that isn’t medically necessary (following a hospital stay), personal care or 24-hour care. Medicaid can cover home-health assistance depending on if you meet eligibility requirements.
Home limitations. Sometimes the home you lived in for decades becomes unlivable if you are unable to navigate safely. You may want to consider some renovations to make it easier for you to move about or even moving to a single-story residence if you live in a house with multiple levels.
Community support. One argument for assisted living is that the elderly have access to more social activities and health aid when they move to an assisted living facility. Fortunately, many businesses have sprung up in recent years that can provide many of these services in your own home, including personal care assistants, help for shopping and cleaning, and even doctors who will visit you in your home.
If you’d like to learn more about how we can help you with your long-term care and Medicaid planning, please contact us for your free initial consultation at one of our conveniently located offices in Fort Pierce, Stuart, Port St. Lucie, Vero Beach, and Okeechobee.