When you're ready to begin searching for a home, there are certain aspects you should look for as a senior. To avoid making changes after you purchase your home, you can look for one that already has designs that will allow you to age in place. There are also specific financial considerations to make, especially if you're living off of retirement funds or on a fixed income.
If you're planning on uprooting to a new city, Forbes recommends renting for at least a year. You want to test the city to ensure you like the new community. Also, make sure you're comfortable with the distance between you and your family.
Once you're ready to begin your search, aim for a home that is one level, as even a single step can be an issue for someone using a walker or a wheelchair or if the person has balance issues. Don't just avoid stairs inside; avoids steps going into the home from all entrances: front door, back door, garage, etc. Also, a garage is a nice feature so you're able to enter and exit the car away from any inclement weather.
Opt for open plans with wide hallways and 36-inch doorways. All of these features are friendly for wheelchairs and walkers. Check the bathroom to ensure it's roomy as well, and take a peak in the shower. You want at least one stand-up shower that is curbless.
Be aware of the heights of the appliances, as you may not always be able to bend down to use the dishwasher or the washer and dryer. You may want lower counters in bathrooms and the kitchen for future wheelchair access. Also, ensure that the microwave and refrigerator have easy access.
According to Bankrate, age is not a factor in loan approval, and it's illegal for lenders to discriminate against borrowers on that basis. However, if you're living on a fixed income, it can be harder to get approved for a loan, and even if you meet the lender's guidelines, fixed-income seniors may have more issues making the monthly payments. Furthermore, if you're married, you must consider how you'll cover the mortgage payment if your spouse were to pass or become disabled. Speak to a financial advisor and a mortgage lender before purchasing a home.
Unless you plan on staying in your home for five to 10 years, it's going to cost you more to buy than to rent in the grand scheme of things. Also, buying a new home means you'll need a down payment. If you sell another home for profit before moving, the down payment may not be an issue. However, if you'll need to use your IRAs or other retirement accounts to cover the down payment, you're cutting into the money you'll have for daily living expenses, which could affect your lifestyle.
When you purchase your home, buy less than you can afford. There is no way to know what will happen in the future, regardless of age, but, as U.S. News contributor Teresa Mears notes, "Older people are more likely to experience involuntary unemployment or medical problems." Buying less than you can afford will make it easier to manage any issues that could occur.
If you're concerned about the remainder of your mortgage
affecting your children, a financial adviser or attorney can help them map out
an estate plan. This way everyone will be prepared when you pass. Also, if
you're not comfortable discussing your mortgage with your children now, a real
estate agent can help them determine how much the property is worth and how
much is owed when you pass.
The symptoms of mesothelioma may make it impossible for a senior to live independently, but with a dedicated and experienced caregiver, a senior can still enjoy a good quality of life.
Mesothelioma can rapidly take away a senior's ability to
drive and carry out activities of daily living. A caregiver supports the senior
by taking on these tasks and providing emotional support. Because caregiving
for a senior with cancer is extremely demanding for untrained relatives with
their own responsibilities, the services of a live-in caregiver are highly
Life Force Caregivers for the Elderly has provided personalized live-in custodial care to hundreds of seniors since 1989. A live-in home health aide is an alternative to an assisted living or long-term care nursing facility by assisting with activities of daily living right in the comfort of your own home. While conducting the initial assessment of a client's needs and expectations, families naturally ask questions about Life Force's services. One question that sometimes arises is: What is the advantage of working with an agency like Life Force over hiring our own private aide?
When choosing between these two options families normally make a decision based upon price. Hiring a private aide is typically cheaper than working with a licensed agency, but a private caregiver easily becomes more costly in the end.
Life Force Caregivers for the Elderly provides live-in personal senior care. At times families have confused live-in care with 24-hour care. Although there are similarities, there are major differences that should be identified.
Live-in elder care provides ONE home health aide who lives at the home of the client for several days or several weeks at a time. With 24-hour care, there are multiple shifts throughout the day. The most common shifts are either three 8 hour shifts or two 12 hour shifts.
Life Force Caregivers for the Elderly supplements hospice care with live-in personal care. While hospice manages a client's palliative care, our live-in caregiver is ready to assist with the client's activities of daily living (ADLs). Here are some advantages when contemplating live-in custodial care for a loved one utilizing hospice.
Long-term care insurance (LTCI) is a privately owned insurance policy that pays for the cost of live-in custodial care. An individual will pay monthly premiums until there is a need for assistance with activities of daily living (ADLs). Typically an LTCI policy requires assistance with three or more ADLs for the beneficiary to qualify to receive payments for live-in elder care services.
Make life easier by reviewing the list below. Addressing these items early will reduce much stress and disappointment when submitting a claim with your long term care insurance company.
We asked you, you told us. Here are the answers to the most important question we asked you in our elder care survey.
Over the past 24 months, Life Force, a provider of live-in caregivers for the elderly, conducted a survey across Eastern Pennsylvania, Delaware and New Jersey. The survey was conducted among 322 professionals in the home health care industry, including social workers (37% of sample), registered nurses (23%), administration (10%), volunteer coordinators (10%), directors of services (9%), and others.
This survey asked respondents questions relevant to the home care industry, particularly the live-in personal care industry. The key question in the survey asked what the top three most important considerations are upon referring a client for live-in personal care.
Below is a breakdown of the survey, as well as how Life Force delivers on each count.
Ensuring the safety of a caregiver living in an elderly client's home is one of the most important responsibilities of the client and a foremost priority of our home care agency.
Since most Life Force's caregivers are live-in caregivers for the elderly, the client's home becomes a workplace for the caregiver. These client responsibilities include, but are not limited to, the following.
To ensure that home services are provided in a home that is structurally sound. This may sound like a no-brainer, but we have learned never to assume anything. By structurally sound, we mean, for example, that the caregiver should not have to walk up wooden steps where a step is missing; the caregiver should sleep in an area where the roof doesn't leak; and the caregiver should not be subjected to living in an area of the residence that is undergoing major construction. One way for an agency to assess the safety of a client's home is to develop a Home Safety Checklist. An agency representative can bring this checklist to perform a home inspection at the time of the initial meeting with the client. The Home Safety Checklist may include a list of safety issues in the following areas of the residence: exterior; interior (entry and main living area); kitchen; bedroom; bathroom. For example, for the exterior of the home, the checklist might include the following question: Is the porch light working to adequately light the porch and door?
In running a home health care agency specializing in live-in care for the elderly, we have found that finding qualified caregivers is the most critical factor in an agency's success. A criminal background check, face-to-face interview, a high score on a pre-assignment competency test, TB screening, relevant experience, and two references still may not guarantee that the caregiver is uniquely qualified to assist elderly clients with the activities of daily living. Although caregivers may meet every criteria required by the state, there are certain intangibles that make a caregiver excellent, rather than merely good.