The Benefits of Long-Term Care Insurance for Home Care and Care at Home

As we age, it’s natural to start thinking about the future and the type of care we may need as we get older. For many people, the idea of leaving their home and moving into a nursing home or assisted living facility is unappealing, and they would prefer to receive care in the comfort and familiarity of their own home. This is where long-term care insurance comes in.

Long-term care insurance is a type of insurance policy that covers the costs of care for individuals who are unable to perform certain activities of daily living (ADLs) such as bathing, dressing, and toileting, or those who suffer from cognitive impairments such as Alzheimer’s disease or dementia. While Medicare and private health insurance may cover some of the costs associated with these types of care, they often do not provide the full range of services that are often needed for long-term care.

One of the main benefits of long-term care insurance is that it allows individuals to receive care at home, rather than in a nursing home or assisted living facility. This can provide a sense of independence and comfort for the individual, as they are able to stay in their own familiar surroundings and maintain their own schedule and routine.

In addition to receiving care at home, long-term care insurance also covers the cost of hiring a caregiver to provide in-home care. This can be a great option for those who have a loved one who is willing and able to provide care, but may not have the financial resources to do so without the assistance of long-term care insurance.

It’s important to note that long-term care insurance is not just for the elderly. Accidents and illnesses can happen at any age, and long-term care insurance can provide financial protection for individuals of all ages who may need extended care due to a disability or chronic condition.

Another benefit of long-term care insurance is that it can help to preserve assets and protect against financial ruin. The cost of long-term care can be significant, and without insurance, it can quickly deplete savings and other assets. Long-term care insurance can help to cover these costs and ensure that individuals and their loved ones are able to maintain their financial security.

It’s also worth considering that the cost of long-term care is only expected to rise in the future. By purchasing long-term care insurance at a younger age, individuals can lock in lower premiums and be prepared for the potential financial burden of long-term care in the future.

There are a few different types of long-term care insurance policies available, and it’s important to carefully consider which one is right for you. Some policies provide coverage for a set period of time, while others offer lifetime coverage. It’s also important to consider the level of coverage offered, as some policies may have caps on the amount they will pay out or may only cover certain types of care.

In conclusion, long-term care insurance can provide a range of benefits for those who may need extended care due to a disability or chronic condition. It can allow individuals to receive care at home, cover the cost of hiring a caregiver, and protect against financial ruin. It’s worth considering purchasing a long-term care insurance policy at a younger age to lock in lower premiums and be prepared for the potential financial burden of long-term care in the future.

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Understanding Alzheimer’s and Dementia

Alzheimer’s Disease and dementia is one of the most challenging disorders for families to navigate. It can be extremely difficult for families to see their loved ones suffer and decline before their eyes, starting with slight changes to more severe forms.

Early identification can help both sufferers and families alike to adjust to their new reality of this disease. One of the biggest challenges is that dementia affects everyone differently. There is not a “typical” case of dementia, and you don’t know exactly how it will affect your loved one. Each case can vary, depending on factors like whether the person has other diseases, their medications, and their environment.

Coming to Terms with an Alzheimer’s or Dementia Diagnosis

When a family member is diagnosed with Alzheimer’s or any form of dementia, you may be in disbelief or denial. It’s normal to want to make excuses for the person you love and not want to admit they have the disease. 

You may read about the typical symptoms of dementia, like forgetfulness, agitation, depression, and cognitive loss. But you may not pick up on the other symptoms that come along with this disease. Even when you understand the other symptoms, it is very easy to deny the reality of the disease. It is very important for family members to understand their loved one’s symptoms and work with them to help keep them connected and engaged.

Symptoms

People who suffer from Alzheimer’s or dementia will find that their cognitive abilities  change and they suffer from memory loss. It can start at a very minimal level and then progress quickly or wax and wane slowly. 

Dementia patients can lose the ability to perform simple tasks that were part of their daily routine. The more severe forms of Alzheimer’s can result in such loss of function in the brain that it can result in death.

Typically, the memory loss is about small things and involves short term memory. Some people may struggle to organize their thoughts when having a conversation. Or, they forget the conversation even happened. They get lost easily or can’t find where they parked their car.

It’s true that many people have these issues with their memory as they age. This can sometimes lead you to ignore the early symptoms. It’s critical to note that memory loss from Alzheimer’s and dementia gets worse over time. The memory loss from Alzheimer’s and dementia can cause people to act differently. The changes to a person’s brain can vastly affect their behavior and you might not even recognize the person they become. 

Some of the changes can include: 

  • Personality Changes: They may become apathetic. They don’t have the same taste in food and don’t care about eating or going out. Others can find themselves irritable, full of mood swings, or struggle to trust others and act socially. 
  • Anxiety: The memory loss causes anxiety. They don’t want to try and have a conversation or go anywhere because they are aware of their decline and don’t want to show others.
  • Opposition: They refuse to take showers, eat their favorite meals, or go on a drive which they used to love to do.
  • Confusion: They think they remember something that didn’t happen or insist an event didn’t happen when it did.
  • Forgetting the Basics: Forgetting names, dates, phone numbers, or directions that they used to always know.
  • Forgetting Recent Conversations: Entire conversations may be forgotten or they may forget selective statements from a conversation. 
  • Resistance to Change: They feel more comfortable in familiar surroundings and people. They don’t want to go anywhere new or be around people they don’t know.
  • Living in the Past: They go back to a happier time, when they were with their parents, or deceased spouse.
  • Depression/Isolation: Since they can no longer drive or do the things they liked to do, they tend to sit and watch television. This isolation is very dangerous since they aren’t connecting or engaging with family or friends. This leads to depression, which can lead to further physical limitations.
  • Paranoia: They start thinking you are plotting against them and wanting them to go somewhere they don’t want to go.
  • Resentment: They don’t understand their situation and blame you for taking away the freedoms they used to have.
  • Issues With Events: The bigger the event and noise level, the less they want to attend. Some forget about making it to events or appointments. In turn, it’s possible sufferers may attend events, but then forget about them. 
  • Misplacing Items: Forgetting where an item has been put, or placing an item in an unexpected location is quite common. 
  • Getting Lost: Everyone may get lost sometime, but it’s common for people with Alzheimer’s to get lost in locations that are common to them.
  • Struggles with Reasoning: Many have trouble with specific types of reasoning, like math. It’s also hard for them to complete multiple tasks at once. 
  • Odd Choices: They may make choices that are not normal for them. For example, they may dress in clothes completely opposite to the weather.
  • Isolation: Eventually people with Alzheimer’s or dementia may just lose their appetite for eating and life in general.

Alzheimer’s and dementia patients can have some or many of these symptoms.

Getting help

It is important to learn as much as you can about the disease and get support for you and your loved one. A key factor in keeping your loved one engaged and happy is providing the right setting and care so they can stay connected and avoid succumbing to the pitfalls of this disease.

If your loved one has been diagnosed with Alzheimer’s or dementia and you need support, we can help. please reach out to us for a Complimentary In-Home Assessment at our Toll-free number: (844) 785-2273.

The Transformative Power of Project Present Improv Training

A Day in the Life of a Caregiver at Private Home Care

Power Up Your Diet with Lion’s Mane