{"id":6345,"date":"2020-06-22T06:55:22","date_gmt":"2020-06-22T06:55:22","guid":{"rendered":"https:\/\/alwaysbestcare.com\/blog\/2020\/06\/22\/knowing-your-long-term-care-options\/"},"modified":"2020-06-22T06:55:22","modified_gmt":"2020-06-22T06:55:22","slug":"knowing-your-long-term-care-options","status":"publish","type":"post","link":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/resources\/knowing-your-long-term-care-options\/","title":{"rendered":"Knowing Your Long Term Care Options"},"content":{"rendered":"\n<p>We\u2019re an aging population and the statistics are eye-opening, to say the least: 77 million Baby Boomers, 10,000 are reaching retirement age each day, and about 45% of them have zero retirement savings to support them in older age.&nbsp; This may be the primary reason that nearly 82% of them support increased taxes to shore up social security benefits.&nbsp; <\/p>\n<div class=\"separators-custom-box-wrapper\">\n        <div class=\"separators-custom-box\">\n            <div class=\"cta_title\">In-home Caregiver in Edmonton<\/div>\n            <a href=\"https:\/\/alwaysbestcarecanada.ca\/edmonton\" class=\"c-btn -small -inverted has-icon icon-right\">\n                <span class=\"c-btn__txt\">\n                    GET IN TOUCH           \n                <\/span>\n                <span class=\"c-btn__ico\">\n                    <svg width=\"30\" height=\"30\" class=\"ASD icon icon-lib-icon-arrow1 contact-info__icon\" aria-hidden=\"true\" role=\"img\">\n                        <use xlink:href=\"#lib-icon-arrow1\"><\/use>\n                    <\/svg>            \n                <\/span>\n            <\/a>\n        <\/div>\n    <\/div>\n\n\n\n<p><p>Americans are living longer and this is\nno exception for Baby Boomers.&nbsp; Epidemiological\nevidence suggests that this generation will have a life expectancy of 82 years.&nbsp; But longevity does not necessarily correlate\nwith well-being as a significant number of older adults find that age brings\nphysical, emotional, and cognitive impairments that interrupt their ability to\nlive independently.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_36 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><label for=\"item\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input type=\"checkbox\" id=\"item\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/alwaysbestcarecanada.ca\/edmonton\/resources\/knowing-your-long-term-care-options\/#Elderly_and_Alzheimers_Care\" title=\"Elderly and Alzheimer\u2019s Care\">Elderly and Alzheimer\u2019s Care<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/alwaysbestcarecanada.ca\/edmonton\/resources\/knowing-your-long-term-care-options\/#Choosing_an_In-Home_Senior_Care_Organization\" title=\"Choosing an In-Home Senior Care Organization\">Choosing an In-Home Senior Care Organization<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/alwaysbestcarecanada.ca\/edmonton\/resources\/knowing-your-long-term-care-options\/#In-Home_Senior_Care_Organizations_Vs_Caregiver_Registries\" title=\"In-Home Senior Care Organizations Vs. Caregiver Registries\">In-Home Senior Care Organizations Vs. Caregiver Registries<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Elderly_and_Alzheimers_Care\"><\/span>Elderly and Alzheimer\u2019s Care<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Planning for future health challenges is\nunderstandably depressing because many of us are in denial that we\u2019re aging at\nall.&nbsp; I frequently hear from clients that\ntheir personalities are timeless.&nbsp; The\nlens through which we perceive our health challenges may be clouded by emotions\n\u2013 feeling able and ready to meet any test.&nbsp;\nYet, some challenges aren\u2019t meant to be faced alone and despite our\nresistance to considering ourselves as needing help, we may not have an\noption.&nbsp; <\/p>\n\n\n\n<p>Planning for your long-term care now or\nsometime in the future requires knowledge.&nbsp;\nI could write several columns on the subject of senior care options and\nwill discuss assisted living options in two weeks but for now the focus is on\nremaining in the comfort of your own home.&nbsp;\n<\/p>\n\n\n\n<p>Non-medical home care is basically\nhiring a personal aide to assist you with performing activities of daily\nliving.&nbsp; What does that look like in the\nreal world?&nbsp; Anything from medication\nreminders, transportation, and meal preparation to toileting, bathing,\ndressing, and grooming.&nbsp; Please note,\nthis is not in any way a comprehensive list of services provided by hired\ncaregivers.&nbsp; &nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Choosing_an_In-Home_Senior_Care_Organization\"><\/span>Choosing an In-Home Senior Care Organization<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.alwaysbestcaresandbox.com\/ca\/torrance\/assisted-living-finder\/\" rel=\"noreferrer noopener\" aria-label=\"Choosing a home care organization (opens in a new tab)\" target=\"_blank\">Choosing a home care organization<\/a> can be overwhelming.&nbsp; You\u2019ll have dozens of companies to choose from (Disclaimer: my family owns Always Best Care South Bay\/West LA) and knowing what to look for can be confusing.&nbsp; So what criteria can you use to help you make your decision?<\/p>\n\n\n\n<p>The single most important criteria when choosing\na home care organization is determining whether or not the company is licensed.&nbsp; In 2016, California lawmakers passed the Home\nCare Consumer Protection Act, which effectively regulated home care in the state.&nbsp; New regulations require licensed Home Care Organizations\n(HCOs) to: <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Hire caregivers registered as Home Care Aides with the Department of\nSocial Services. <\/li>\n\n\n\n<li>Aides must pass an FBI fingerprint background check, be free from\ntuberculosis, and receive 3 hours of structured training prior to placement in\nthe field. <\/li>\n\n\n\n<li>HCOs are required to employ affiliated home care aides and abide by\nall federal and state payroll and employment laws.&nbsp; <\/li>\n\n\n\n<li>Home care aides are required to be bonded and insured up to $1\nmillion per occurrence. <\/li>\n\n\n\n<li>HCOs are required to provide their aides with 5 hours of annual\ncontinuing education. &nbsp;<\/li>\n<\/ol>\n\n\n\n<p>When shopping for a home care agency,\nfirst ask for their HCO number.&nbsp; If they\nhave one, they\u2019re legally mandated to adhere to aforementioned\nregulations.&nbsp; You may also inquire about\nhow they train their staff (in person or online); who supervises their staff in\nthe field (degreed\/licensed\/certified healthcare professionals or lay folk);\nhow long has the company been in business and have they received recognition\nfor their service; and obviously what are the costs associated with care.\nMedian rates for HCOs in the South Bay is between $23 and $28 per hour. Rates\nare generally determined by the level of care required and the city the client\nlives (The city of Los Angeles has a higher minimum wage).&nbsp; For a comprehensive list of questions to help\nyou make a home care decision, visit <a href=\"http:\/\/www.aarp.org\" target=\"_blank\" rel=\"noopener\">www.aarp.org<\/a>.&nbsp; <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"In-Home_Senior_Care_Organizations_Vs_Caregiver_Registries\"><\/span>In-Home Senior Care Organizations Vs. Caregiver Registries<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you\u2019re quoted below the $20\/hour\nrange, more than likely, the company is classified as a caregiver\nregistry.&nbsp; Caregiver registries are\nunlicensed and unregulated organizations that provide consumers access to a\npool of independent caregivers who contract their services.&nbsp; Caregivers are not required to be registered\nwith the Department of Social Services and registries are not required to\nprovide insurance coverage to their pool of contractors.&nbsp; Liability is the responsibility of the contracting\nparty \u2013 that would be you!&nbsp; <\/p>\n\n\n\n<p>What\u2019s the benefit of working with a\ncaregiver registry vs. hiring a caregiver privately? If your contracted\ncaregiver happens to call out sick or isn\u2019t the best personality fit or skill\nmatch, you can call the registry and they do the leg work of finding a\nreplacement; though, probably not immediately.&nbsp;\nAlternatively, if you hire a caregiver privately, you wouldn\u2019t\nnecessarily have easy access to a pool of available and hopefully vetted\ncaregivers.&nbsp; <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/08\/In-Home-Care-Always-Best-Care-1024x684-1.jpeg\" alt=\"In Home Care | Always Best Care\" class=\"wp-image-1361\" \/><\/figure>\n\n\n\n<p>Of course, there\u2019s always word-of-mouth and private hire caregivers can be contracted to provide non-medical in-home care.&nbsp; I recently asked one of our home health aides, who also rendezvous as a private caregiver, what the going private rate is.&nbsp; He reported somewhere in the $15\/hour range.&nbsp; Compared to the median rates of HCOs, this sounds like a deal.&nbsp; But remember, if the contracted caregiver is hurt while providing care in the home, you will likely be liable for that injury.&nbsp; <\/p>\n\n\n\n<p>If you intend to contract private\ncaregivers through a registry or on your own, here\u2019s my advice: make sure that\nyour home owner\u2019s or renter\u2019s insurance policy covers contractors in the home\nand determine your coverage amount.&nbsp; Many\nyears ago, one of our caregivers was bitten by a Brown Recluse spider during\nher shift in Palos Verdes.&nbsp; She required\nthree surgeries and was later classified as permanently disabled.&nbsp; Don\u2019t leave yourself at risk of a\nlawsuit.&nbsp; Make sure you\u2019re covered if you\ngo the private route.&nbsp; <\/p>\n\n\n\n<p>Lastly, and maybe most importantly, non-medical home care is generally paid for out-of-pocket. Clients who qualify for Medi-Cal have some options through a program call-in Home Support Services (IHSS) but for the most part, custodial home care is paid by the client.&nbsp; Individuals who purchased long-term care insurance may also have a benefit for home care.&nbsp; Bottom line: the long term costs of home care are exorbitant but worth it for some of you!&nbsp; <\/p>\n\n\n\n<p>For more information on non-medical\nin-home care options, feel free to send me an email.&nbsp; I\u2019m happy to forward you information that may\nhelp in your decision making process.&nbsp; You\ncan also visit our website <a href=\"https:\/\/www.alwaysbestcaresandbox.com\/ca\/torrance\" target=\"_blank\" rel=\"noopener\">www.alwaysbestcaresandbox.com\/ca\/torrance<\/a>\nand take a quiz to determine your readiness for home care. <\/p>\n\n\n\n<p><p>Wishing you all the best in life and love, today and tomorrow. <\/p>\n<div class=\"separators-custom-box-wrapper\">\n        <div class=\"separators-custom-box\">\n            <div class=\"cta_title\">In-home Care Services in Edmonton<\/div>\n            <a href=\"https:\/\/alwaysbestcarecanada.ca\/edmonton\" class=\"c-btn -small -inverted has-icon icon-right\">\n                <span class=\"c-btn__txt\">\n                    GET IN TOUCH           \n                <\/span>\n                <span class=\"c-btn__ico\">\n                    <svg width=\"30\" height=\"30\" class=\"icon icon-lib-icon-arrow1 contact-info__icon\" aria-hidden=\"true\" role=\"img\">\n                        <use xlink:href=\"#lib-icon-arrow1\"><\/use>\n                    <\/svg>            \n                <\/span>\n            <\/a>\n        <\/div>\n    <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019re an aging population and the statistics are eye-opening, to say the least: 77 million Baby Boomers, 10,000 are reaching retirement age each day, and about 45% of them have zero retirement savings to support them in older age.&nbsp; This may be the primary reason that nearly 82% of them support increased taxes to shore&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3016,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[161],"tags":[58,68,71,130,135],"class_list":["post-6345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-care-providers"],"acf":[],"_links":{"self":[{"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/posts\/6345","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/comments?post=6345"}],"version-history":[{"count":0,"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/posts\/6345\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/media\/3016"}],"wp:attachment":[{"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/media?parent=6345"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/categories?post=6345"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alwaysbestcarecanada.ca\/edmonton\/wp-json\/wp\/v2\/tags?post=6345"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}