According to Attorney Daniel Tully, more than 65 million people in the U.S. care for a disabled, chronically ill, or aged family member. Most caregivers are over 50 years old. Being a caregiver is extremely stressful. While there is no way to completely remove a caregiver’s stress, there are ways to lessen it. Providing regular breaks for the caregiver can help to prevent burn-out.
Having a support system in place is one of the first steps in aiding a caregiver. Support groups are available, but often require the need to have someone stay with their loved one while attending a meeting. Friends and family can be good resources for help. The Alzheimer’s Association (alz.org) has a very informative web-site with tips to prevent caregiver burn-out.
Another resource is homecare agencies. Homecare aides can be hired with custom schedules that can meet caregiver needs. There is usually a two hour minimum. Some local agencies are: Day Kimball Homecare (860-928-5441), Community Companions and Homemakers (860-456-3626), Home Instead (860-896-5295), and Care Plus More (860-942-6157). As discussed in previous articles, medical insurance does not pay for these services. The CT Homecare Program for Elders (1-800-445-5394) or for veterans, the Aide and Attendance Program (americanveteransaid.com, 877-427-8065) may help to pay for some aide services for those who qualify.
Many assisted living facilities and nursing homes can provide respite care. The CT Statewide Respite Care Program may be able to cover some of the cost of this care. Find more information at CT.gov.
As soon as a loved one is in need of care, it is helpful to seek the advice of an attorney specializing in elder law. They can assist with putting important documents in place (Healthcare Representative, Power of Attorney, or conservator) that can be helpful as care needs increase. They can assist with financial planning as well. Long-Term Care policies are another good financial resource to help pay for care. The insurance company should be contacted to see if your loved one is eligible to file a claim. These policies usually pay a substantial amount toward care at home or in a nursing home.
Sometimes nursing home placement is the right choice. Attorney Tully writes that 80% of individuals will need nursing home care at some point in their lives. If you need more information or have questions, don’t hesitate to call Hampton’s Agent for The Elderly at 860-208-2430.
Jane Cornell