"Long Term Care Insurance can cover the costs of Assisted Living, Homecare or a Nursing Home; plan for the future"
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Posts Tagged ‘long term care’
Tuesday, October 6th, 2009
Long Term Care Commentary — Alberta
Not very many people are happy with Alberta Health Minister Ron Liepert and Premier Ed Stelmach. Together, the two have concocted a plan to cut more than 200 acute mental care beds in hospitals and other institutions. Some of these beds are currently home to mental health patients, while others provide long term care to seniors with dementia, such as those living with Alzheimer’s disease.
(more…)
Tags: aging trends, Elder Care, elder care Calgary, long term care, long term care Alberta, long term care Calgary, planning for long term care
Posted in Care Giving Strategies, Elder Care, Long Term Care | No Comments »
Tuesday, October 6th, 2009
Caregiver Issues: Elder Care and the Workplace
As Canadians age, more and more work-aged adults are finding themselves juggling their work obligations with family obligations related to caring for elderly relatives and loved ones. Eighty percent of the elder care in Canada is provided by family members, and about 60% of caregivers are women – women who often have children of their own still living at home, and are balancing motherhood with careers and caring for an older parent, parent-in-law, or other elderly relative. How are businesses responding to the new family obligations affecting their workforce? Here’s a look at how the balance between elder care and work is unfolding in Canada.
Canadian Aging Research Network (CARNET) (more…)
Tags: aging trends, Alberta, Caregiver Support Calgary, caregiving, caregiving strategies, Elder Care, long term care, long term care Calgary, planning for long term care
Posted in Alzheimer's Care, Care Costs, Care Giving Strategies, Elder Care, Long Term Care, Long Term Care Insurance | 3 Comments »
Monday, September 28th, 2009
When it comes to elder care in Canada, Newfoundland is one of the more difficult places to be. A nurse from a long term care facility in St. John’s, NL, pointed out in an interview with People’s Response that her own nursing home has had to hire home health care workers rather than LPNs (certified nurses) because graduates of nursing school in Newfoundland tend to move to richer provinces in Canada. Just shifting the wages up to make them on par with the rest of Canada, begs the nurse, would help her own facility to find qualified personnel and keep them.
The Quality of Health Care and Elder Care in Rural Newfoundland
Meanwhile, CBC News reports that the Society of Rural Physicians in Newfoundland and Labrador has criticized the governments there for cutting medical services in small communities. The physicians claim these health cuts could cost lives.
As usual, those most vulnerable to these sorts of cuts are the elderly. By moving x-ray equipment out of small towns, doctors trying to care for elders will waste precious time trying to access diagnostic equipment. So far, x-ray departments have been closed in Lewisporte and Flower’s Cove; more closures are anticipated, including in Springdale. Not only have the x-ray departments been closed, the clinic hours have also been cut from 24 hours per day to 12 hours per day – another move that residents worry could endanger care for their elders.
Health Minister Paul Oram advised residents to put the cuts into perspective; the spending cuts to x-ray departments and clinics should help the government invest more in long term care facilities for the elderly, such as the one the nurse in St. John’s complained about being under-resourced and under-staffed. Oram hopes that the cuts will ultimately finances the creation of a long term care facility for the elderly in Lewisporte.
To critics, Oram has answered, “People would like to have every service in their backyard. Everybody would like a hospital in their home town.” But he advises the residents of Newfoundland and Labrador to try to be more realistic about their expectations: “there’s only so much money to go around,” Oram said.
The Future of Elder Care in Newfoundland and Labrador
Given the cuts in health care spending in Newfoundland and Labrador, as well as the comments made by the nursing home nurse from St. John’s, retirees might think twice about retiring in Newfoundland and Labrador. As part of their planning for their golden years, those nearing retirement age and their families should carefully consider the type of health care services available to them within their communities. Where health care is not adequate to meet the long term care needs of seniors and elders, Canadians might consider retiring elsewhere.
Tags: aging trends, caregiving strategies, Elder Care, elder care Newfoundland and Labrador, long term care, planning for long term care
Posted in Care Costs, Care Giving Strategies, Elder Care, Long Term Care | No Comments »
Monday, September 28th, 2009
Right now, 4 million Canadians are over the age of 65. By 2026, that number will double to 8 million Canadians. The aging population will doubtless take a costly economic toll on individuals, families, and the nation as a whole. Exactly what costs are associated with getting older in Canada, and what should aging baby boomers do to slow that cost?
Plan Ahead
The retirement years are another phase of life, just like entering university or taking that first step into one’s career. And just like entering the job market for the first time required preparation and planning well in advance, our senior years also require good advanced planning. Planning out the costs of your retirement should start five or even ten years in advance.
As a rule of thumb, expect to need about 70% of your pre-retirement income in your retirement years. In New Brunswick, one senior offers the advice to try to live on that 70% of your income now, before you are retired, just to get a feeling for what it will be like to live without that extra 30%.
Going into retirement debt-free is also a very good idea. This may require some creative living in the years before retirement, as those in their forties and fifties may need to downsize in order to achieve the goal of being debt-free by 65.
Canada Pension and Old Age Security
At the age of 65, Canadians can receive a maximum of $844.58 per month from the Canada Pension (CPP). You can access your CPP before the age of 65, but you should be aware that it is taxable.
Old Age Security (OAS) also activates at 65. The standard Old Age pension is $484.63, but low-income pensioners can also apply to receive additional help.
Economic Help for Seniors in British Columbia
Each province also has its own programs to help seniors afford to enjoy a high standard of living even as their yearly income decreases. In British Columbia, these include:
- Shelter Aid for Elderly Renters (SAFER) helps low to moderate income seniors continue to afford their rent.
Sales Tax Credit, which seniors can apply for to save money each year on their taxes.
The CareCard for Seniors entitles seniors to save on prescriptions and other medical expenses.
Anyone who receives Income Assistance in BC, including seniors who receive the Guaranteed Income Supplement (GIS), are eligible to receive a bus pass that costs only $45 for the entire year.
Thanks to programs like this in British Columbia and throughout Canada, seniors can retire with a measure of confidence that they will be able to afford those “golden years”.
Tags: aging trends, care costs British Columbia, care costs New brunswick, caregiving, caregiving strategies, Elder Care, long term care
Posted in Care Costs, Care Giving Strategies, Elder Care, Long Term Care | No Comments »
Monday, September 28th, 2009
Alzheimer’s Care in Nova Scotia
Helena “Heli” Munroe earned her Ph.D. in cognitive psychology, with her specialty in Alzheimer’s disease. But this didn’t protect Dr. Munroe from succumbing to Alzheimer’s herself. Originally from the UK, Heli Munroe and her husband Alasdair lived in Nova Scotia. As her descent into Alzheimer’s began, the two lived near Fisherman’s Memorial Hospital, where she received most of her therapy.
But in 2005, something quite unusual happened. Dr. Munroe was taken by her brother to England, because he claimed that she was very unhappy in Nova Scotia. Her husband was shocked by his brother-in-law’s action, and accused him of kidnapping his wife. Mr. Munroe was even more shocked when he realized he did not have legal guardianship over the woman whose rapid cognitive decline was made it impossible to make clear her own wishes about where she wanted to live and with whom.
While for Mr. Munroe the action was kidnapping, for Heli’s family it was rescuing. The family accused Alasdair Munroe of domestic abuse, which he vehemently denied. Some nurses who worked with Heli Munroe did suggest that Mr. Munroe’s behavior was sometimes concerning, and even more concerning was the couple’s estranged son living in a remote area of British Columbia, who claimed he had seen his father choking his mother before. But friends of the family – including Heli Munroe’s doctors – supported Munroe’s rebuttal of the accusations.
Meanwhile, Heli Munroe could not speak for herself.
Finally, in the fall of 2009, Heli Munroe’s ashes returned to her husband in Nova Scotia. Over the summer, Dr. Heli Munroe had slipped into a coma and died of Alzheimer’s. Just as he had fought for the return of his wife, he also fought to have her ashes returned. This battle, he won. But it is a bittersweet victory.
Who Can Make Decisions About Alzheimer’s Care?
The family feud over Heli Munroe underscored a need for clearer laws regarding care for those with Alzheimer’s disease and other forms of dementia, both in Nova Scotia and throughout Canada. Specifically, does the spouse or the family speak for the individual with Alzheimer’s by default?
For more information regarding care for elders with Alzheimer’s in Nova Scotia, a good place to start is the Alzheimer Society of Nova Scotia. An advocacy and support group for people with Alzheimer’s and their family, their website makes it easy to find resources on the latest research on Alzheimer’s disease, as well as links to services for people living with Alzheimer’s in Nova Scotia.
Tags: Alzheimer's Care Nova Scotia, caregiving strategies, long term care
Posted in Alzheimer's Care, Care Giving Strategies, Elder Care, Long Term Care | 2 Comments »
Wednesday, September 23rd, 2009
As we know, the Canadian population is aging quite rapidly. By 2020, one out of every five people in most provinces will be above the age of 65. Compare that figure to today’s, in which close to one out of ten people are seniors. Furthermore, not only will their be more senior citizens in Canada, they will be older than ever before. Because life expectancy is increasing, the proportion of older seniors (80 years and older) will more than triple by 2056 from one in thirty to one in ten.
Who will take care of all these aging baby boomers? In some cases, seniors will move to long term care facilities. In other cases, they will stay in their homes for quite some time, getting help from a home health provider or similar service. But for most Canadians, the tradition of children looking after their aging parents remains the most likely option for these seniors.
Who are Canada’s Caregivers?
Over 2.5 million Canadians who are 45 years or older are the primary caregiver for an elder or senior. About 75% of all caregivers are between the ages of 45 and 64. The remaining 25% of caregivers are seniors themselves – 16% are younger seniors between 65 and 74, while 8% of caregivers are 75 and older. Perhaps unsurprisingly, the majority of these caregivers are women – about 60%. While most Canadians are caring for close family members (see below), a third of caregivers are caring for a friend, an extended family member, or a neighbor.
Who is Cared for in Canada?
Most Canadian caregivers are caring for an aging family member; 70% of all caregivers care for family. Of these family members, 60% of them are elderly parents or parent-in-laws. A minority of caregivers (less than 10%) provide care for their spouse, but some researchers suspect this number may actually be higher, because caregivers tend to under report caring for spouses. In particular, aging wives tend to care for aging husbands but do not report it as caregiving.
Because men tend to die at a younger age than women, the majority of elders receiving long term care from a caregiver are women. In particular, the most common situation for a caregiver in Canada is to care for an elderly mother or mother-in-law.
As Canadians age, long term caregiving will be more and more common. As caregivers pay their own toll of exhaustion and emotional hardship in caring for their elderly loved ones, Canadians should start planning now for how they plan to provide care for their aging relatives and friends.
Tags: aging trends, caregiving, Elder Care, long term care
Posted in Care Giving Strategies, Elder Care | 1 Comment »
Tuesday, August 4th, 2009
Welcome to longtermcarecorner.com. The purpose of this website is to provide easy access to information about government run long term care services, long term care insurance, costs related to providing long term care and information on private care providers. The information found on our site was compiled by a list of professionals across many disciplines within the long term care sector. As more and more people find themselves in the position of managing the care of a parent, relative, friend or one’s self; the need for information is imminent, yet while there is an urgency to find the requisite information, the information can sometimes be difficult to find and even harder to decipher.
Our team’s goal was to make all information related to long term care readily accessible, while at the same time making it easy to understand.
The current government funded long term care system is designed to provide adequate and minimal care, and unfortunately, this trend looks like it will continue. In this environment, there are other options that people can use outside of the current system;however these options can be quite costly. For those who are currently in this position, you now have a resource for help. For those looking to plan ahead, you will find useful information on potential care costs and strategies to hedge these costs through long term care insurance.
This site caters to the mass, please check back with us often to see what new information we have to offer, share your stories or join a discussion.
We look forward of being of service to you.
The longtermcarecorner.com Team
Tags: long term care, Long Term Care Insurance
Posted in Care Giving Strategies, Elder Care, Long Term Care, Long Term Care Insurance | No Comments »
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