The topic of senior home care is a tough one for parents and their children. Security and a quality of life is your intent for them as they did for you. Though, they may feel you’re overstepping. Or, resist for fear they’ll lose independence.
Here’s the thing: 70% of individuals will need some form of long-term care. The sooner this touchy subject begins and settles, the sooner you and parents can live more comfortably. This article covers five ways to bring up the matter.
You, Parents, and Senior Home Care: Tips for Having “The Talk”
NPR found the average, annual caregiving cost can range from $18000-$87000+. Social Security, Medicare, and Medicaid will likely cover a lot of the costs. That is if your parents were diligent with work and taxes.
But…what if your parents weren’t financially sound? What if their plan is moving in with you or a sibling? Or, what if they don’t realize their ailing health?
Try bringing up these topics when talking about elderly home care services:
It’s easy to assume going to a “home” when your parent hears “elderly home care”. But, there caregiving variations providing independence if this is their concern — like:
- Social care
- At-home care
- A-la-carte services
- Detached cottages
- Adult day care
These provide care with the freedom to do what they want (given their health).
We’re on the cusp of a potential financial problem as more boomers move into retirement. Hopefully, they’ve contributed to retirement savings. Unfortunately, only 1 in 3 Americans has money saved for retirement.
Your parents must understand the financial strain it may impose on your family.
Early elderly home care discussions can prepare everyone for this moment. The conversation can help align savings/investment goals. And, begin proceedings such as distributing Social Security to a caring family member.
Your first thought may be taking your parents into your home. But, this noble action carries nearly 30 hours of extra, unpaid work. This can place a monumental strain on the family’s stability.
There are also potential problems with:
- Privacy (e.g. intimate times)
- Parenting (e.g. disciplinary actions)
- Spending (e.g. contributing to the household)
Your parent’s plan may have been moving in… are you 100% sure? If not, then it’s important to address these 3 possible issues. This sets boundaries and helps them understand your concerns.
Talk to your parents about their:
- Mental well-being
- Physical well-being
The two helps you understand what’s needed with caregiving services. You, and parents, may choose selective services. Or, complete care. This presents flexibility to live life while receiving a helping hand when needed.
Staying connected is a cognitive health recommendation by the National Institute of Health. In-home care for elderly could provide socialization and relationships to stimulate cognitive functions.
Your parents are older and many of their friends may have passed. This caregiving could provide someone to talk to. Or, someone there so they’re not feeling lonely and detached.
The “Talk” is Bound to Happen
The goal of the senior home care topic is finding a middle ground. A compromise best suited for the well-being and financial security of all parties.
Your parents have been through a lot, they’re not dense. Hear them out. But, stand firm with your suggestions backed by literature and resources.