Showing posts with label family. Show all posts
Showing posts with label family. Show all posts

Friday, September 25, 2009

Home Health care givers


Home Health Care has become big business. As the population ages; there is a need for caregivers to help people stay home longer. Sitters as they are sometimes called; earn from $8-20 an hour depending on where you live.
Quite a few families handle the care giving duties themselves. For those who work outside the home; caring for a dementia patient can be overwhelming and emotionally draining. Studies show that more than half of all caregiving for elderly is done by family members.
As a teenager I was one of those family members. My great grandma had "hardening of the arteries" Now we know it was Alzheimer's. My aunts and uncles hired a lady to live with her during the week; two of my cousins and I took turns staying on the weekends. Sometimes she could be a handful for a 15/16 year old. She set the kitchen towels on fire one night- she told me she was trying to turn on a light to see. She locked me out of the house many times. I could go on with stories all too familiar to those who have been caregivers. Elderly with dementia or Alzheimer's may have nontraditional sleep patterns. I often wondered if she had Sundowner's; it sure did seem thatway.

Private duty caregivers such as the one my family had are less expensive but do pose risks. What if your caregiver becomes ill; what is the back- up plan? Get a back up plan. IS this person able to lift, or help your loved one into and out of the shower? These questions must be asked no matter which option you choose. Also ask them about taxes- Will they handle it? Remember you need to file them on your tax deductions- if you have a doctors prescription it is deductible. Does this person have references you can call? What are their credentials? How many elderly with dementia have they cared for in the past? How many patients with diabetes/ or any illness that runs on your family.

Companies- there are national chains with franchises located throughout the US. Local companies are also an option. I have been approached my no less than 5 new home health companies in the last two months alone. The advantage to these organizations is the back up staff and the insurance they carry when problems arise. For example- I have a client with Alheimers whose caregiver accidentally set the kitchen on fire- it was a mess- the home insurance covered it- but the family felt good about having a professional organization involved in case there was a problem. If a valuable gets broken- the insurance these companies carry will pay for the item. Most of the national companies do a background screening on all employees; and often they hire licensed CNA's. I tend to refer to a few companies that I trust and have known to work through crises with families. Talk to your friends- talk too your church- find out if they can recommend respected people to handle the care for your loved one.
Another advantage to utiltizing companies is the option of part time help. The disadvantage of companies vs. individuals is the cost. Companies are more expensive. Finances often play a role in the choice to remain home. Unfortunately state programs often help in nursing home care but ignore home health care as an option.

Wednesday, September 2, 2009

Medicaid applications- Not for the faint of heart

Medicaid is the state run program for those in need of medical insurance or for the elderly- co-insurance.
Every state has some criteria set by the federal government- with a few variances on income guidelines.
The income guidelines are based on state and federal poverty levels.
While guidelines vary from state to state; basic issues remain the same. Medicaid programs are divided into categories for babies and children, disabled adults, and elderly.
Criteria typically includes reviewing finances, and property ownership; as well as medical criteria for the needed services.
Bank statements are required, as are ownership papers for homes and vehicles.
Time consuming tasks usually include gathering birth records, marriage records, and tax related paperwork. In some cases locating medical bills can become overwhelming. Most states ask for information from the past three to five years.
When beginning the application make sure to keep recent bank statements handy, and medicare information as well as any military information.
In order to minimize chance for lost applications, make copies of everything, and fax it to the main office or ask for the name of the staff member who receives the paper work.