DETERMINING APPROPRIATE CARE FOR ELDERLY PEOPLE
Those who are looking for a care facility for their aging parents in California often have questions as to how to choose the right one. The first thing that a person should do is determine how much care a family member needs. For instance, a person who is highly confused or can't groom themselves may need different levels of care than someone who can still live a relatively independent lifestyle.
Individuals who only need a moderate level of help around the house could benefit more from in-home care as opposed to living in a retirement community. However, those who need medical care or who have concerns about the cost of in-home care could benefit more from living in a retirement community or similar environment. Those who are looking to help their elderly parents find quality care should know about the benefits available to them.
In addition to Medicaid or Medicare, long-term insurance policies might help to pay for necessary services. To get a better picture of the type of care a parent could need, it may be a good idea to speak with that parent's physician. It could also be a good idea to consult with local or national groups such as the AARP that can offer tips and other information about caring for an elderly parent.
Buying long-term care insurance or putting assets into trusts could help protect loved ones as they age. Placing assets in a trust may prevent senior citizens from giving up control of a home or other valuable property to a scam artist. It can also allow an older person to retain assets while receiving government benefits. Family members of those who need care may benefit by consulting with a financial adviser and an attorney to determine a course of action.