Home Helpers – Home Care Little Rock – Celebrates National Home Care Month

Home Helpers – Home Care Little Rock – Celebrates National Home Care Month

Sam Sellers

Home Care – also sometimes referred to as senior care or elder care – is received by approximately 12 million Americans through home care agencies every year.  Often the term home care is used in contrast to “home health” to describe non-medical or custodial care provided at home.  Home Health refers to skilled care provided by a licensed medical professional such as a Registered Nurse, physical or occupational therapist or physician.

Home Helpers – Home Care Little Rock – join the National Association of Home Care & Hospice in celebrating November as the National Home Care Month.  And, like Dorothy in The Wizard of Oz, we agree that “there’s no place like home.”

With over a decade working with and serving older adults, I’ve found that those of us who agree with Dorothy are in the clear majority.  Quite simply, if at all possible, older adults choose by overwhelming numbers to receive care at home.

Unlike Dorothy, older adults do not require magical ruby slippers.  Instead, often the need to make staying at home a reality is simply a little extra help around the house.  Whether those needs involve a caregiver a few hours each week or 24 hours a day, home care can be the magic that keeps people safe and as independent as possible in their own homes.

We’ve also found that something as simple as a medical alert or proper medication management can lead to greater independence.  When coupled with the aid of a home care assistant, there is often little reason to consider being anywhere but the comfort of your own home.

As baby-boomers age, the real value of home care is becoming more and more apparent.  In Arkansas, AARP found that 98% of older adults want to receive care in their own home versus a nursing home.  And there’s little wonder as to why – we want to maintain independence and freedom of action and remain closer to family and friends.  Maybe that’s why relocating to a nursing home is one of the greatest fears older adults face.

Home care can empower older adults to age with dignity and grace in a familiar setting surrounded by family and friends.

If you would like more information or would simply like to visit about home care as an option for an aging loved one, we are always open to sharing our experience and expertise.  Home Helpers – Home Care Little Rock – will gladly schedule a time to meet with you at your convenience.  Contact Sam Sellers to start that conversation at (501) 663-3900.

10 Myths About Home Care (Part 1 of 10) – LTC Insurance

10 Myths About Home Care (Part 1 of 10)

Long Term Care Insurance Will Not Pay for Home Care

By Sam Sellers

Decisions about home care – sometimes referred to as senior care or elder care – for a loved-one can be overwhelming.  What is the best care setting?  Who do I turn to for advice?  Can I afford the services?  Added to the complexity of navigating the long term care system is often a great urgency due to sudden or unexpected changes in situations.  Compound these considerations with the fact that most informal family caregivers also have their own work and family responsibilities. 

Having reliable, unbiased and timely information is critical as decisions about long term care are made.  Sadly, there are many “myths” associated with in-home care.  While some are partially true, others are just simply not true.  When considering care options for a loved one, it is important that you know the facts about in-home care. 

It is both true and false that Long Term Care Insurance will not pay for home care. 

Long Term Care insurance can be confusing.  “Deductibles” are measured in time and called “elimination periods.”  Premiums can seem exorbitant until you look at the costs of long term care services; often a whole year’s worth of premiums can be paid in only one month of service once a qualifying claim has been filed.  It is essential to have a experienced agent guide you through selection of an appropriate policy.  We can make referrals in that area, but that is not what this article is about…

Some of the earlier policies were designed to exclusively pay for nursing home care and there are some policies still sold that only offer nursing home benefits.  As demand increased and popularity grew, many insurance companies adjusted and even created new policies that provide for in-home care.

Typically, the same criteria must be met to trigger benefits, that is, the need for assistance with two Activities of Daily Living, such as bathing, dressing, feeding, transferring, walking, or toileting.  There is also usually a cognitive trigger that includes those with Alzheimer’s disease or other related dementia.  These benefit triggers are typically the same whether the person is receiving care in a skilled nursing facility or at home.

There are cases where the daily benefit for someone receiving care at home is less than the rate paid to a skilled nursing facility.

Talk to your insurance agent and contact the claims department of your insurance carrier.  They will assist through the claims process and be able to provide you with information regarding benefits.  You can also contact Sam Sellers to discuss the policy benefits and desires and values of the person to receive care.  Home Helpers – Home Care Little Rock – has served scores of individuals with Long Term Care insurance, and Sam is always more than happy to help you navigate through this process.