We all grow old. And usually by the time we are sufficiently old to look forward to freedom with the children moving out, we find out our aging folks need more help than ever. It’d start off as an occasional drive somewhere, or asking a neighbor of theirs to test in on them every day. Long term care insurance can help give you more options.
Usually it escalates to the point they need far more than that. Certain scenarios will need some immediate action. Did maybe your father have a stroke and wants round the clock attention? Or maybe your mother has been diagnosed with dementia? What decisions does everyone have? Not only you, but your whole family – including your parent.
Years back it was an unspoken presumption that the children would look after the fogeys. Mentally, physically, financially – whatever was required. Today, that’s not always possible . Irrespective of how much we’d love our fogeys, good intentions just are not always enough. Your other half and your children need to agree that maybe moving in Grandma is the only way to go. However, don’t be surprised if you get some negativity replying to your plea.
You won’t be the only one who must be actively involved her care. Nobody wants to or is capable of being there all of the time. Responsibilities need to be shared, and not everyone might be prepared to make this type of sacrifice.
As you debate this possible move with your family, also debate the actual condition of your parent. Can she get up? Does she need special food that has got to be cooked at certain times? Is she incontinent? Does she require assistance bathing? If she wants all this additional attention, how does she get it?
Each member of your family wishes to completely understand and agree with who does what going forward. This is going to be a permanent arrangement, not just a few weeks. Anyone who moves in who can’t take care of themselves, is a burden. All the love and kindness in the world can wear thin quickly when you have equivalent to another child living under your roof.
Plan in advance and be prepared. If your mom and pop think that you or another sibling will just mechanically take over when the time comes, they have to understand early on this may not be a viable probability. They need to know what their options are going to be so they and everybody can plan accordingly .
Before you go out and buy a policy go to LTC Financial Solutions, ask questions and request a long term care insurance. We represent 20 of the top LTCi providers. This gives you tremendous options.