It’s role reversal day. You may have thought this day would never come, but you know that it has. Unfortunately you discover those weekly visits or even daily phone calls are not enough anymore. Your parent needs real hands on care. You now have to make important decisions, not only for yourself but for your aging parent as well. You need to decide what will be best for both you you, without changing life too dramatically. In many cases you are not alone in life; you have a family and/or career to think about as well. How do you keep up and try to please others around you?
After cleansing, you will want to make sure you exfoliate your skin. This is the step that is most often skipped because of unawareness or a busy schedule.
Make the support materials comfortable and firm. When propping the foot, use a solid pillow or folded blanket for support, taking care that they will not sag and gradually lower the foot. Place these in such a way that they are not likely to fall or tilt. Use clean and soft, rather than scratchy, fabric to keep the skin comfortable.
Do you need Long Term Care insurance? Maybe your kids will take care of you, but the average cost of in-home care services to the family is about an extra $40,000 per year. Can your kids handle that? Do you want them to? Maybe you are thinking about an assisted living outfit. That will run you about $47,000 per year.
If you buy LTC insurance, you’ll have to pay premiums each year. This is more costly the older you are when you start paying them. You get tax breaks for premiums paid. But starting earlier makes premiums less.
Before we get to the Big Secret for cutting the cost of a nursing home policy by as much as 30% instantly, lets talk about some of the other things you can do that can reduce your premium ever further.
To make things easier, let mom and dad have as much control over the situation as possible. Perhaps they can decide what time the home health aide should come or what tasks the aide should do first. Perhaps they can assist in the selection of a caregiver. Keeping them involved in the process will help them accept the need for in-home care.