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March 9, 2020 by Kirk Brechbiel

Myths vs. the Facts about In-Home Care

There are many myths and misconceptions surrounding the topic of in-home care provided by personal caregivers. To help you directly compare myths versus facts, we’ve compiled some of the most common sentiments and provided you with the facts. Take a look at what you should consider when exploring the option of in-home care or you or an aging loved one.

Myth: It’s too expensive.

Fact: The perception of the cost of in-home personal care is a very important topic, so let’s talk numbers. The national average daily cost for a private nursing home room is $253 dollars a day, according to a survey by Genworth Financial. The national average daily cost for in-home care services is $125 per day assuming 44 hours per week. Nursing care can cost nearly twice as much as home care. And while it can provide 24/7 services, many seniors residing at home don’t need that intensive level of round-the-clock support. In fact, many home-based seniors do not even need 44 hours of home care a week.

Myth: It will be awkward having a ‘stranger’ in the home.

Fact: While a personal care provider will be new at first, it’s just like meeting a friend for the first time. After a few interactions, you quickly learn more about one another and then there will come a time when you can’t remember not having them in your life. The same is true for a personal care provider working in your home or a home of a loved one. Yes, it will take some time and effort to forge a relationship, but given that they will be around frequently, and helping with essential tasks, it takes hardly any time to start to form a bond.

Myth: Home care is only for people who are very sick or terminally ill.

Fact: It’s important to not confuse home care for hospice. While each serve very important, and at times similar roles, they are different. In-home personal care works wonderfully for those who may only need assistance a few days a week to ensure their personal needs are met. In fact, these may be fairly mobile and independent people who simply need an extra set of hands or a regular check-in to ensure they are safe and well.

Myth: My parents are doing fine. It’s way too early to be thinking about this.

Fact: No one wants to believe that their parents are getting old and struggling to take care of themselves. As children, we want to forever believe our parents are as capable as they have always been. But the reality is this way of thinking is not helpful to our aging loved ones or ourselves. It’s important to be tuned into what’s really taking place. If your mom needs help remembering to take the correct medications at the correct times, or your dad is having difficulty balancing the check book, a personal care provider can help with all of this and more while enabling them to remain living comfortably in their own home.

Myth: We’re capable of handling this on our own.

Fact: Some families may believe they can fully handle the needs of their aging relatives on their own. And in some instances, maybe they can. But if you’re like most families, you have work obligations and other personal obligations that fill up most of your time. You wouldn’t want your mom or dad to become an added stress on your schedule or to be seen as yet one more item on your to-do list in a day. With an in home care provider, children get to remain children to their parents, even as they age. Sometimes being both a child and a caregiver can be too much and put a strain on a relationship that should be cherished.

Myth: My mom or dad are completely against it.

Fact: It’s perfectly naturally to be opposed to change, at least at first. There are many unknowns and misconceptions that can cause us to form a negative opinion without all the facts. If you find your mom or dad have expressed that they are against having a personal caregiver in their home, urge them to try it for just one week. What harm can it do? This will give them a chance to experience the benefits and really see that it’s like so they can make an informed decision based on experience and fact.

Myth: It will look like I’m putting my responsibilities on someone else.

Fact: First of all, who cares what anyone else thinks especially if you are acting in the best interest of your family? Second, seeking help for something that is beyond your ability is the most responsible thing you can do. It in no way reflects that you don’t care for your aging loved one. In fact, the opposite is true. It demonstrates your level of love and commitment to them by seeking out the best possible for of care to keep them safe and healthy as long as possible.

Are you or someone you know considering the help of an in-home personal caregiver for a loved one? We hope you found these myths vs. fact helpful and enlightening. If you should have additional questions or wish to explore your options for personal care, please do not hesitate to contact us today.

Filed Under: Uncategorized Tagged With: aging adult, aging parents, blog professional care, camp hill, care, central pa, ella home care, harrisburg, home care, lemoyne, mechanicsburg, pennsylvania, professional caregiver, retirement, senior, wormlesyburg

March 5, 2020 by Kirk Brechbiel

Tips for Living Independently for as Long as Possible

For most people, our dream is to remain living independently, in our own homes for as long as possible. Many factors can impact the ability to do this including health, finances, and support. If you or someone you know are planning for the future, which includes a desire to live independently, consider these tips and tools for putting yourself in the best position to do so.

Plan Ahead

In the midst of everything else going on in your life, it can be hard to find time to plan ahead for the future. Often, this gets pushed to the back burner. But one of the best things you can do for your future self is to start planning for how you wish to live your later years in life. What does this look like? If you desire to stay in your home as long as possible, it’s important to consider what all this will require of you and your loved ones. Write down your plan and think through all the variables. Having this mapped out will help you out greatly down the road.

Communicate Your Wishes

Now that you have thought through what it will require to live independently as you age, you must make your wishes known to those who are likely going to be caring for you, to some degree, in the future. Quite possibly this is a spouse, family member, or even a friend or neighbor. Making it known early that it is your desire to remain living in your home as you age will help your loved ones adjust their expectations and be able to fully support you.

Get Your Finances in Order

There are costs associated with anywhere you live, whether that’s in your current home or in a retirement community. There are certainly pros and cons to each. Be sure to get your finances in order early. Not only will this help you throughout retirement, but it will enable you to live where you wish without a lack of funds dictating the care you do or do not receive. You may even wish to consider a long-term care insurance policy which can assist with costs like professional care in your home.

Enhance Home Safety

Another way to plan ahead for aging in your home as long as possible is to ensure that it is a safe space. Invest in your home with things like repairs, enhancements and safety features to make it a place where you can age safely. If you should need the assistance of a walker or wheelchair, can your home accommodate that? Can you arrange things to create a first floor bedroom to eliminate the use of stairs? Make time to carefully walk through every aspect of your home so that you are aware of things that may need to change in order to stay living in your home in your later years.

Consider a Professional Caregiver

Finally, and most importantly, you may want to consider how a professional caregiver can help you achieve your goal of living independently in your home for as long as possible. You may not need this assistance right away, but it’s smart to at least be informed of what options are available to you and the associated cost. Reach out to a trusted in-home care agency, like Ella Home Care, who can advise you of the services they provide and how they fit your needs and budgetary requirements.

If you or someone you know is hoping to remain living independently in their home as they age remember that with these tips and some additional professional help, it is possible! At Ella Home Care, we proudly provide options to help people live independently in their homes. We welcome you to contact us so we can discuss what might be right for your needs. 

Filed Under: Advice, Blog, Home Care Tagged With: aging adult, aging parents, blog professional care, camp hill, care, central pa, ella home care, harrisburg, home care, lemoyne, mechanicsburg, pennsylvania, professional caregiver, retirement, senior, wormlesyburg

September 6, 2018 by Kirk Brechbiel

6 Reasons Why Seniors Are Able to Live Longer in Their Home

With every passing year, technology, medicine, life-expectancy and a variety of a number of other factors continue to allow more and more seniors to live in their home longer, before moving into a continuing care retirement community or something similar.

So what are these factors and how do they impact our ability to age in our home? Take a look at the top 6 reasons we see seniors choosing to live in their home, long into retirement.

  1. More Ways to Afford a Professional Caregiver

The good news is that there are now more ways to save for and pay for a professional caregiver to care for you in your home as you age. You can make this part of your retirement savings, invest in long-term care insurance, or use life insurance or Medicaid. Also, veterans may quality for additional assistance. It’s important to do your research to know your options.

  1. Medical Advancements

Science and medicine is advancing at a rapid pace and with these advances comes advantages to allowing people to age in their own homes longer. This means illnesses and injuries can be quickly treated and people can be returned back to their homes rather than spending lengths of time in the hospital or rehabilitation facilities. More illnesses and diseases can also be prevented before they become an issue that has to be addressed in a medical facility.

  1. New and Improved Medical Alert Devices

With the various medical alert devices on the market today, families have a ton of options as to the best model for their aging loved one. Really, there’s no reason for anyone living alone to not own and wear one of these devices. Accidents can happen at any hour of the day and in any part of the home. By having one of these devices on your person at all times, you know help is always within reach which makes living independently more feasible.

  1. Improved Safety Measures

There are also many more ways in which we can safety-proof a home. By going room to room, it’s easy to identify various safety hazards from the placement of knives and heavy pots in the kitchen, to loose cords or slippery rugs in the living area. A professional caregiver can assist with auditing a home and making recommendations of ways you can make the space much safe for an aging loved one to live in independently.

  1. 24/7 Monitoring Technology

Granny cams, much like a baby monitoring system provides families with peace of mind knowing they can check in on their loved one whenever needed. For example, if you try to call your parent and they don’t immediately answer the phone, you can call up their camera to confirm their simply sleeping or outside. This alleviates the fear and frustration of not being able to reach a loved one and then assuming the worst.

  1. Family and Friends Who Live Nearby

Finally, it’s becoming more and more common for aging loved ones living independently in their home to have family or friends who live very close by. This is a huge asset that enables people to live longer in their own home because they have the care and companionship of other people who can easily stop by throughout the day. This also offers the social and emotional support that could be lost if you lived alone but without companions nearby. Having the love and support of friends and family close to you as you age is key for maintaining the highest quality of life!

Do you wish to be able to live in your home as long as possible? Which of these factors do you think will have the greatest impact on your ability to do so? Share your thoughts!

Filed Under: Blog Tagged With: adult, aging, assistance, caregiver, elderly, help, independent living, living at home, resources, retirement, senior

August 7, 2018 by Kirk Brechbiel

How Can I Pay for a Professional Caregiver?

Whether it’s for you or for an aging loved one, at some point in your life you may have to face the tough question of, “How can I pay for a professional caregiver?” Depending on various factors of your situation, any number of answers could help you afford a professional caregiver.

The most important thing you can do is educate yourself on the options that exist, so that you can make an informed decision to reduce high costs and frustration people often experience when arranging for care of an aging loved one. Here’s a look at seven different options that might help you, in whole or in part, pay for a professional caregiver.

Personal Funds or Retirement Savings

It is never too early to begin saving for care that you or a loved one may need many years down the road. Personal funds and retirement savings can be used to cover the cost of a professional caregiver. Every person’s financial situation is different, but this could be a very wise investment especially if it affords you the privilege of remaining in your home longer.

Family Assistance

For those who do not have the personal funds to cover the cost of a professional caregiver, other family members may be able to help provide some funds to defray the cost. This is a very generous and selfless thing to do; when it comes down to helping a member of your family, people gladly rise to the occasion! We would not advise to rely upon this as your sole means for affording professional care; however, it can be helpful to bridge a financial gap.

Reverse Mortgages

You may wish to speak to a bank or professional mortgage company about whether a reverse mortgage is the right fit for you and your family. A reverse mortgage is a loan for seniors age 62 and older and is a type of home equity loan that’s reserved for older homeowners and does not require monthly mortgage payments. Instead, the loan is repaid after the borrower moves out or dies. By deferring your monthly mortgage payment, you will have more funds to put toward other essentials like a professional caregiver.

Veteran’s Assistance including the Aid & Attendance Benefit

Veterans and survivors may be eligible for additional financial assistance if they comply with the requirements of the Aid and Attendance Benefit. Requirements include being eligible for a VA pension and needing the aid and attendance of another person to care for you. Be sure to do your research and speak directly with someone who is experienced working with Veterans’ Assistance.

Long-Term Care Insurance

There is the option to purchase long-term care insurance. This is usually purchased when a person was working or younger to pay for future help with Activities of Daily Living. The policy most typically pays a daily rate to cover some or all cost of care. If you start planning early, this could be very helpful when it comes time to cover the costs of professional in-home care to assist you with day-to-day activities.

Life Insurance

Depending upon your life insurance policy, you may be able to tap into the policy now with living benefits. These living benefits can help cover the cost of things like an in-home care provider. To understand more about your life insurance options and what your policy covers, be sure to speak directly with your insurance agent to discuss how you might be able to use your living benefits.

Medicaid

Some low income individuals may qualify for Medicaid covered in-home care for a limited time. This varies by state and individuals would have to use a “waiver” home care provider. To learn more about whether or not you qualify for this Medicaid waiver, contact yours state’s Medicaid office to speak to knowledgeable staff about your situation and needs.

Are you concerned about how to pay for the cost of a professional caregiver? Contact us today so we can walk you through the various options that might be available to you!

Filed Under: Blog, Home Care Tagged With: benefits, budget, caregiver, finances, financial assistance, insurance, money, pay, retirement, reverse mortgage, savings, veterans assistance

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Ella Home Care
Address:
839 Market Street
Lemoyne, PA 17043

Phone: (717) 379-1793
Fax: (717) 695-2892

Email: info@ellahc.com

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