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M Pruitt checklist is it time for assisted living
1.
ADVISOR/CLIENT EDUCATION BRIEF Checklist:
Is It Time for Assisted Living? By Jennifer Reimer How do you know when loved ones are ready for assisted living? Use these guidelines to help spot the warning signs of aging and illness. Reprint Licensee: Rosalyn Carter once said” There are only four kinds of people in the world- those who have been Mark Pruitt caregivers, those who are currently caregivers, those Founder / President who will be caregivers, and those who will need caregivers.” In light of the longer lives we now enjoy, Strategic Estate Planning Services it’s very probable that many of us, at one time or 800-381-8870 another, will have to provide support for an aging parent or relative. seps4u@gmail.com www.strategicestateplanning.com Families are often slow to recognize that a beloved family member needs help with their everyday activities. Nor are they prepared for the financial burdens involved. But both the emotional and financial costs of caring for the elderly can be even greater if the signs of illness are caught later, rather than sooner. Who’s at risk? An estimated 7 million older adults are having difficulty performing everyday activities and will need assisted living services this year, according to the National Academy on an Aging Society. That figure is expected to rise to 12 million by 2030. Another study, by the U.S. Department of Health and Human Services, indicated that 65-year olds face at least a 40% risk of entering a nursing home. According to the 2010 MetLife Markey Survey of Nursing Home and Home Care Costs, the average annual cost of a semiprivate room in a U.S. nursing home is $74,825. The American Council of Life Insurers estimages that the annual cost of nursing home care will rise as much as $200,000 in les than 30 years. Copyright © 2011 by Annexus/Horsesmouth, LLC. All Rights Reserved. License #: HMANX2011A |1
2.
Anticipating the need
for assisted living helps Living habits: your clients defray costs. Answering the following questions will indicate whether a loved one has --Has there been a change in living habits, manifested retained the ability to live independently or in dress or appearance, or a decline in personal whether intervention is necessary hygiene not related to physical disability? Independent living test --Is dress appropiate for the weather? Medications: --Have housekeeping habits changed so that a normally neat and orderly home is now cluttered --Are prescriptions not being refilled, resulting in and not cleaned regularly? failure to take medication when scheduled? --Are pets that were normally well cared for suddenly --Has taking medication become difficult due to poor not being fed or cared for as they had been in the memory or confusion? Evidence may include: pills past? taken together that shouldn’t be, different pills mixed together in a pill box, or an over-or Solicitations: undersupply of pills. --Is there a sudden increase in ordering unnecessary --Have conditions previously under control become items through mail or televised advertisements? acute because medication is not being taken correctly? Calls to family members or health care providers: Food and groceries: --Has there been a marked increase in panicked calls to family or medical providers without apparent --Based on past food habits, are the cupboards need? frequently empty or being filled with unusal foods? --Have unnecessary calls been made to 911? --Is the food in the refrigerator often spoiled or kept long beyond the “use by ” date? Think ahead While it may be difficult to think of a parent or family Daily business: member as needing assistance, it may be a greater disservice not to get them the care they need as --Is the mail being picked up and opened regularly, early as possible. or is it remaining uncollected and/or unopened? There are a number of resources available for those --Are credit cards or checkbooks being misused or who are caring for an aging relative. These are just not balanced as well as in the past? a few: Social contact: Aging Parents and Elder Care (www.aging-parents-and-elder-care.com) American Association for Home Care --Has the amount of social contact changed (www.aahomecare.org) American Society on Aging dramatically, so that there are few public outings (www.asaging.org) or limited social visits with close friends? Caregiving (www.caregiving.com) Children of Aging Parents --Has the ability to drive deteriorated? Is there a fear (www.caps4caregivers.org) National Alliance for Caregiving of driving or a recent history of multiple minor (www.caregiving.org) accidents that is leading to isolation? National Family Caregivers Association (www.nfcacares.org) Copyright © 2011 by Horsesmouth, LLC. All Rights Reserved. License #: HMANX2011A 2| License #: HMANX2011A
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