If you decide to stay at home for your caregiving because of frailty, accident, or illness, these are modifications that will be helpful to remain at home so that you do not need to transition to a care center unless it becomes necessary. Home modifications done incrementally are not expensive; if done over time, they will not cause anxiety.  Bathroom Install grab bars or safety rails for support when getting in/out of tub/shower. Apply non-slip strips on the bathtub and shower floors for safety. Bathmats and rugs which have nonskid adhesives. You can install an adjustable-height shower ..read more

Nursing home evictions, or involuntary discharges or transfers, violates federal law when it disrupts the lives of people in care facilities. It will lead to the loss of appropriate care and when a patient and their family are at their most vulnerable when care services are required for activities of daily living. Federal law applies to all federally-supported nursing homes, meaning all nursing homes that accept Medicare or Medicaid, which is 99% of all nursing homes in the country. Nursing home evictions are legal only under five specific instances and require a minimum of 30 days advance not ..read more

Long-term care insurance is a specialized type of insurance that pays for caregiving services at home or if you transition to a care facility. People believe that your personal or company health benefits or medicare or medicare supplement plans will pay for caregiving services. These benefits do not pay for caregiving services. I emphasize to my clients that owning a long-term care plan is valuable; however, owning a plan funds your caregiving, but additional planning is essential. Have your caregiving plan in a folder and a known place to your family and copies with your trusted advisor ..read more

I have transitioned as an Extended Care Benefits advisor. It isn’t only about owning long-term care. It is also about having a financial plan and organizing your files in written or digital format and designating family, trusted advisors, or fiduciaries to be available to make health, caregiving, and financial decisions with you or without you if you are frail, have cognitive problems, or illness prevents you with participating in your life decisions. Americans believe they will need assistance as they age: 68% of older adults think they will need help with their daily activities at some po ..read more

If you become responsible for caregiving, learn about your family member or friend’s illness, medicines, and financial resources. Having this information will assist with their health management and caregiving. Plan Your Visits Parent or Relative.  Talk to your family member or friend before you visit and find out the caregiving assistance they need. Stay in regular contact. Schedule conference calls with doctors; if they are in a care center, contact the assisted living team or nursing home staff. It maybe helpful to have share screen calls which is easier to schedule than in-person visi ..read more

https://www.sequimgazette.com/opinion/guest-opinion-time-to-replace-states-long-term-care-law/ The purpose of the Washington Cares Fund is to postpone for 1 year of Medicaid Benefits for those who need caregiving. Summary of What the Influencers are not explaining: (Caregiving is an economic issue, and the solutions are not simple to solve) a. Before the law was enacted, why wasn’t the draft law reviewed by knowledgeable people to determine if constitutional issues could be challenged? If it was reviewed, why weren’t the obvious problems resolved before the law was enacted? Must Read: CAREGIVI ..read more

My area of competence and expertise is designing long-term care insurance plans. I am an extended care benefits advisor. Endless articles from influencers offer every perspective on whether you should own a long-term care plan. In America, we don’t have comprehensive benefits for everyone. The only way people can keep their wealth (don’t tell me that $2, 4, or 6 million) is enough not to own a plan. My mother has wealth of over $65 million, and she owns a long-term care plan. I asked her why she owned an LTC plan? Her response, “no one has that much money to pay for lifestyle and home care ser ..read more

Medical and other technological breakthroughs, people are living longer. Living longer does not mean you are in good health. There may be an extended transition from the quality of life to needing activities of daily living caregiving (eating, bathing, dressing transitioning, or cognitive disease). People often assume that they can delay getting their financial affairs in order, meaning waiting for frailty, accident, or illness before planning your personal documents and caregiving decisions. It is probable that as we age, we will become frail, have an illness, or an accident will require acti ..read more

https://crosscut.com/politics/2022/01/whats-next-beleaguered-wa-long-term-care-program Why Nina and Joseph are not receiving their LTC benefits has nothing to do with the Washington Cares Fund. They should contact an attorney, Met Life, Washington State Insurance Commissioner, or a care support company that will advocate getting their long-term care benefits. The Cares Fund is designed to pay for care services of $36,500 for one year. The plan’s purpose is to delay one-year residents of Washington State who would immediately apply for Medicaid when caregiving services are needed. An addi ..read more

I have transitioned as an Extended Care Benefits advisor. It isn’t only about owning long-term care. It is also about having a financial plan and organizing your files in written or digital format and designating family, trusted advisors, or fiduciaries to be available to make health, caregiving, and financial decisions with you or without you if you are frail, have cognitive problems, or illness prevents you with participating in your life decisions. • Americans believe they will need assistance as they age: ◦ 68% of older adults think they will need help with their daily activities at some p ..read more