Nearly 70% of people over 65 need long term care (LTC). This is medical and non-medical care provided for individuals who can no longer meet their personal needs by themselves. Most care seekers need help with activities of daily living such as dressing, bathing and using the bathroom. You can choose to live in care homes without nursing care or receiving care at home. However, there are people who also need professional medical assistance because of poor health, in particular the elderly with Alzheimer’s or Parkinson’s disease.
Surprisingly, many seniors are now more concerned about purchasing home insurance against fire when the risk of long term care is 600 times more likely. Long term care planning is an important step you should take to ensure there is someone to take care of you when you can no longer do it by yourself. It can be associated with the loss of independence, vulnerability and loneliness but being prepared for it well in advance is the best way to avoid difficulties that may arise from looking for care and financial support from the government when you need them most. Here are 5 call-to-action tips to consider today.
TIP 1: Find out about LTC available
There is sheltered housing, care at home, retirement villages, care homes without nursing care, care homes with nursing care and continuing care.
TIP 2: Get assessed for care
You should contact the Adult Services department of you local authority which may send their representative to visit you at home and talk to your doctor.
TIP 3: Find out about your eligibility for LTC funding
Your eligibility for care funding will be based upon this assessment. Generally, you are entitled to financial support from the local council if your capital (including the property) is below £23,250.
TIP 4: Have someone arrange care for you
Plan in advance who can make arrangements for you in case you are unable to make them yourself when the need for long term care arises. It can be a family member, a friend or someone you trust.
TIP 5: Choose the right care home
What you need from a care home is determined by your state of health and medical assessment made by the Adult Services department. You may also want it to be located close to an important family member or where you currently live.
It is natural not to worry about an event until it happens but when it comes to long term care, it is best to have a plan.
Read more about home care at Paying for Care