Whether you have a loved one in need of long-term care or you are looking into options for yourself in the future, it is important to identify the long-term care option that works best for you and your family.
Once you know the nuances of each option, you can make a more informed decision.
Unpaid caregiving
As the AARP reports, more than 20% of adult Americans act as unpaid family caregivers. This is a good option for families because it allows you and your loved one to make arrangements that suit your needs without getting involved with organizations or government outreach. However, spending unpaid hours for a loved one pulls away from time at a job that helps support you and your loved one.
Paid caregiving
Many at-home care companies offer programs where you essentially apply to work for them as an employee, but only for your loved one’s care. If your loved one qualifies for Medicaid, some of that support goes to the company, which they then use to pay you for your time.
In-home nursing
If time is short, you have the option of hiring in-home nursing care where, similar to the paid caregiving option, an employee of a care company helps assist your loved one.
Nursing homes
Moving your loved one to a permanent living facility may be the best option if they require specialized care.
By utilizing long-term care planning, you or your loved one may establish strategies ahead of time that makes the choice easier. There are resources available to help guide your planning.
