In October of 2016, my grandmother broke her back when she fell from her stair lift chair. She had always been fairly independent, but with that fall, everything changed.

She now needed care 24 hours a day. To make matters more complicated, she also had a few other pre-existing conditions including aphasia (difficulty speaking), dementia, and a medical condition that required her to self-catheterize every four hours (something she had handled on her own for almost 20 years).

She is not unlike many other seniors today who have a few manageable medical issues, until a major incident like a fall happens. She was now completely dependent on us, and we needed a plan for her day-to-day care.

Many calls and several internet searches later, the few options available to us to care for her made our heads spin. It would be between $6,000-$8,000 a month for a skilled facility. And, with her medical needs, assisted living and independent living were not an option. The only other possibility we had was for a family member to learn to catheterize my grandmother and bring in added help from an in-home care company for baths, meal prep, and general safety while we were at work. This was definitely our best option as it would allow my grandmother to stay home, and it would be more affordable than a skilled facility.

We continued to research our options and discovered it would still be $3,200-$4,800 a month for in home care (40 hours a week so we could work). That was more than I would make in a month working full-time. Without Long-Term Care insurance, one of us had to quit our jobs to take care of her. It seemed crazy to me that it was more cost effective to quit working than it was to pay for care.

While my grandmother has since made an amazing recovery, it got me thinking about Long-Term Care (LTC) insurance. Where do I find out more information? How much is it? What does it cover?

I found that many of the same companies that offer your car, home, or life insurance, also sell LTC insurance. Many of them offer customizable plans that allow you to choose a length of time for payout (ex. 1-5 years), varying payout per day when a claim is filed ($100-$500/day), and also the ability to include medication management as an option. All of these factors determine your monthly premium. Plans range from $150-$2,000 a month, so there is really an option for everyone.

After the obstacles we faced trying to care for my grandmother, Long-Term Care insurance is definitely a part of my retirement planning. If I ever need long-term care, I want options, not obstacles.

–Jess Forbes, A Place at Home

Congratulations to Patricia M., our September Senior Care Employee of the Month!

Patricia is an excellent Caregiver and always provides our clients with caring and compassion. She is reliable, dependable, and beloved by our office staff for her willingness to go the extra mile in picking up shifts and communicating with the office.

We asked Patricia six questions so that you can get to know her better.

APH: What is your educational background?

PM: I have a BSc and MSc in Microbiology. I also have a certificate in computing and word processing.

APH: How did you get involved with the senior care industry?

PM: My parents needed someone to depend on to give a helping hand and make them feel loved and happy. It was such a positive experience at the time when they needed it.

APH: What do you like best about your job?

PM: Seeing all of my clients satisfied that everything they needed to be done is the way they want it to be done before I leave.

APH: What do you like to do when you are not working?

PM: Take care of my little girl.  I also enjoy reading to refresh my brain on current research, walking, and occasionally watching television.

APH: Do you have a family?

PM: Yes, I have my family and I also have dogs.

APH: If you could go anywhere in the world, where would you go and why?

PM: I’d like to go to any Asian country to spend time with those with less privileges.

Thank you, Patricia, for everything you do for A Place at Home and truly showing our clients that We are CARE – Compassionate, Accountable, Respectful and Ethical. We are pleased to have you on our team!

A Place at Home is ready to take the first step to a world without Alzheimer’s when we join the Alzheimer’s Association Walk to End Alzheimer’s at 12 pm on September 24. We hope you will join our walk team or simply come by to cheer us on.

The route is only two miles with a one-mile route option available. There is no cost to participate, however if you’d like to donate to the cause, please visit our A Place at Home walk team page organized by our Community Liaison, Chris Cummings.

The Walk to End Alzheimer’s is held in more than 600 communities nationwide and it is the world’s largest event to raise awareness and funds for Alzheimer’s care, support and research.

Why do we need to work together to help stamp out Alzheimer’s disease? Consider these facts from the Alzheimer’s Association:

• More than 5 million Americans are living with Alzheimer’s
• Alzheimer’s disease is the 6^th leading cause of death in the United States
• 1 in 3 seniors die with Alzheimer’s or another dementia
• Deaths from Alzheimer’s have increased by 89% since the year 2000
• Every 66 seconds, someone in the United States develops the disease

Walk details:

When: Sunday September 24, 2017

Where: Midtown Crossing – Turner Park – 3220 Farnam St.

Time: Registration starts at 10:30, Walk begins at 12:00 pm

We hope to see you there!