New Hope on the Horizon for Individuals with Alzheimer’s Disease

With June being Alzheimer’s and Brain Awareness Month, it’s fitting that the FDA just approved a new treatment option for those living with Alzheimer’s.

Aduhelm is the first new drug approved for the treatment of Alzheimer’s in 18 years. It’s no wonder the announcement has been so celebrated. The other reason? Aduhelm doesn’t just treat the symptoms of the disease. It is the first drug of its kind that shows the potential to slow Alzheimer’s clinical progression.

Alzheimer’s Disease is a progressive disease that accounts for nearly 80% of all dementia cases. The Disease most often impacts individuals age 65 or older but can be diagnosed earlier in rare circumstances. Symptoms of the condition usually start with mild but noticeable memory loss. Eventually, there’s a total loss of ability to respond to one’s environment at all. Until now, treatment has been limited to managing symptoms.

Aduhelm claims to slow the clinical progression of Alzheimer’s Disease.

How does this option work? While no one quite has the answer to the way Alzheimer’s works, it’s strongly theorized that a specific type of protein clumps together, killing brain cells. These deposits of protein are referred to as amyloid plaques caused by amyloid-beta. Amyloid-beta is naturally occurring in our brains. However, researchers believe it becomes toxic when it groups to form amyloid plaques, causing Alzheimer’s and other dementias symptoms. By targeting these clumps of protein, developers of Aduhelm believe that the drug may lower the amount of them found in the brain.

As a treatment, Aduhelm is administered intravenously once a month. Several trials of the drug have been done in the last few years to get to this point. Close to 3500 total participants have been enrolled. These patients were in the relatively early stages of the Disease when the drug trial began. The results? Mixed. In one study, individuals enrolled did appear to experience a slower loss of function and cognition. However, in an almost identical study, participants experienced virtually no change in disease progression.

With such a clear polarity in trial results, why did the FDA decide to move forward with Aduhelm?

Though one trial showed no significant results, those that did experience a decline in the loss of function and cognition show promise for what the future may hold. With the frustrating lack of forward movement in the treatment and cure for Alzheimer’s and dementia, results like this can’t be discounted. However, this approval isn’t cut and dry. In fact, as studies and treatment progress, the FDA can pull consent for further use of the drug at their discretion. And while results among trial groups have varied widely, Aduhelm is proven to reduce amyloid plaques in the brains of those enrolled. 

Aduhelm does come with a list of warnings and side effects.

Most notably is a temporary swelling of the brain in some areas. This swelling can cause headaches, confusion, vision changes, and nausea, among other things. Do these risks outweigh the benefits? As it stands now, no one knows, and Biogen, the company releasing the drug, has been required to conduct a new randomized, controlled study by the FDA.

With over 6 million Americans affected by Alzheimer’s Disease, forward movement regarding treatment is worth further study and attention. The memory loss and progressive loss of function are devastating to the individual diagnosed. Their family and loved ones are heavily impacted as well. The most recent report done by the Alzheimer’s Association shows that in the US alone, more than 11 million people are active caregivers for a loved one with dementia.

Caring for a loved one with dementia can quickly lead to epic stress levels, burnout, and a loss of quality of life for the person living with the disease and the loved one caring for them.

The A Place At Home system has been supporting families suffering because of dementia for almost a decade. Our professional and compassionate caregivers are empathetic and educated in the mental and physical care needs of those diagnosed with Alzheimer’s Disease and other dementias. If you’re feeling overwhelmed by your situation, reach out to us. We can help. 

The announcement of a novel treatment that may slow the clinical progression of Alzheimer’s is undoubtedly a historical moment in the fight against this disease. The potential shown with Aduhelm sparks hope for millions of Americans and individuals across the world battling this nightmare of a disease. Of course, we don’t know yet what, if any, impact this new drug will have in the coming years. But this year, its release has brought further awareness to Alzheimer’s and dementia in general. And that alone is something worth celebrating.     

May 6th 2021 – National Nurses Day

May 6th, 2021, is National Nurses Day – the start of National Nurses Week.

Dorothy Sutherland called for a day to recognize nurses in 1953. At the time, Nurses Week was in October, in commemoration of Florence Nightingale’s mission in Crimea. “National Recognition Day for Nurses” was changed to May 6th in 1981. This day kicks off a week of celebrating nurses for the contributions they make each day in their communities. 

The Covid-19 pandemic has been an especially poignant reminder of the energy and sacrifices nurses make each day to care for those in need. 

The first of the frontline workers over the last year, Nurses Day and Week is a perfect time to thank a nurse in your community. Several organizations are showing their support for nurses this year by offering discounts and deals throughout the week:

  • Dunkin’ Donuts: May 6th, nurses can get a free medium hot or iced coffee at participating locations.
  • Chipotle: Now through May 31st, the restaurant chain is gifting free burritos to healthcare workers. You can place an order here.
  • Under Armor: The clothing line offers 40% off online and in-store purchases for nurses and others working in healthcare through May 9th. Visit their website, and confirm your identity here. 
  • GO-Clip: This company sells mask clips that attach to hats or other headwear. Through Nurses Week, use the promo code GONURSES to get two mask clips when you purchase one. 

Whether in schools, hospitals, clinics, or the home, each day in the community, a nurse can be found making an impact. 

At A Place At Home, our nurses provide a necessary service – Care Coordination, helping clients and families navigate an often complex healthcare system. Not only that, but they develop personalized care plans to help keep seniors in their homes longer and oversee a team of caregivers. Our nurses ensure that each client receives the compassionate and professional care that they need and deserve. 

Whether they are caring for children in schools, patients in hospitals, in the home, or those in hospice care, nurses make a difference in thousands of lives each day. This year, take a moment to thank a nurse in your life. If you or someone you love can benefit from Care Coordination or any of our other senior-focused services, reach out to us today. We would be honored to help. 

Parkinson’s Disease – Symptoms May Occur Years Before Diagnosis

A shot of a senior's hands filling out a chart with a pen.

Parkinson’s Disease is a slow and progressive neurological condition.

PD occurs when the nerve cells in the brain (neurons) that produce dopamine begin to break down or die. The nervous system uses dopamine to communicate between nerve cells. Dopamine affects our moods, movement, and memory, among other things. Parkinson’s Disease attacks the nerve cells that produce dopamine. Individuals diagnosed with PD may experience tremors, difficulty speaking and swallowing generalized slowness, and shuffling. PD has been diagnosed in over a million people in the US alone.  

That number doesn’t include the number of people who love those diagnosed and its impact on their lives.

Unfortunately, we don’t know much about why people develop Parkinson’s Disease. Studies indicate it may be hereditary, but family members’ occurrence isn’t consistent enough to prove this true. Some environmental triggers have been cited, but the risk of developing PD due to exposure to these is still low. Stress, particularly life events that can be traumatic, can also cause PD.

Specific motor deficits need to be present for an official diagnosis of PD. However, there are more subtle signs that can occur years before. Below are some of the most common ones:

  1. REM behavior disorder (RBD) – This is a newly developed, sudden movement during sleep. Specifically during the REM cycle of sleep. Often described as “acting out dreams,” this symptom may go unnoticed by the person exhibiting the behavior. A spouse or partner who is woken up frequently by sudden jerks or kicks may be the person who first notices that there’s an issue at all. While RBD doesn’t mean that PD is present, those who experience it (with no known cause) are at higher risk of being diagnosed with Parkinson’s Disease in the future.
  2. Loss of sense of smell (anosmia) – Losing your sense of smell (when there is no other discernable cause) can be an early predictor of a PD diagnosis down the road. When related to PD, anosmia happens when the protein that leads to Parkinson’s Disease accumulates in the part of the brain that is responsible for the sense of smell. It’s important to note that losing your sense of smell does not mean you will be diagnosed with PD. However, for those that experience this, there is a 50% chance they will be diagnosed in the next five to ten years.
  3. Voice changes – If there is a noticeable and new change in your voice’s softness or volume (with no other cause), this can be an early PD symptom.
  4. Stiffness or difficulty moving – one of the early signs that something may be going on is a new stiffness with movements. Noticing that your arms don’t swing the same way they used to may indicate that something is going on.
  5. Digestive issues – A myriad of things, including diet, medications, and other conditions, can cause digestive problems. However, new and ongoing constipation and a feeling of being full even after eating small meals can be an early indicator of Parkinson’s Disease.
  6. Changes in handwriting (micrographia) – This may seem like an odd symptom. Still, if you notice that your writing has become smaller or crowded together, it may be an early sign of Parkinson’s Disease.
  7. Lack of facial expression (facial masking) – This one may be pointed out to you by others. Others may tell you that your face is “serious” or that you look like you’re in a bad mood. It’s important to note that some medications can cause this. However, if you’re experiencing new facial masking with no known cause, it is worth speaking with your doctor.
  8. Stooping or hunching over – this is a symptom that is commonly associated with PD. If you’ve noticed a difference in your posture, it may be an early symptom of Parkinson’s Disease.

If you’re experiencing some of these symptoms, it doesn’t necessarily mean you should expect to live with Parkinson’s later in life.

Most of the above symptoms can be due to other conditions, lifestyle habits, and certain medications. If you are noticing some changes in these areas of your life and there doesn’t seem to be an apparent reason why it can be a cause for concern. Fortunately, there is information about managing the symptoms and even slow the progression of Parkinson’s Disease.

It’s common knowledge that diet and exercise are crucial to health and good quality of life. This is particularly true with this disease. Staying active with regular exercise has been shown to slow the progression of PD. Most of us are aware that exercise is beneficial for the physical detriments caused by Parkinson’s (muscle weakness, stiffness, falls).

Studies done have shown that exercise works on a neurologic level as well.

Regular exercise won’t replace or repair degenerating neurons. It can, however, encourage the brain to use what dopamine it does produce more productively. The human brain is always adapting and evolving as it needs to function most efficiently. This adaptive behavior is called neuroplasticity. When observed in Parkinson’s patients, researchers theorize that the neuroplasticity benefits gained through regular physical activity outweigh the disease’s degenerative effects.

If you do find yourself exhibiting any of the early symptoms of PD, it’s important to remember that you do have a measure of control.

First, speak with your doctor about your concerns. They will help you determine if Parkinson’s may impact you personally in the future. If this is the case, do what you can now. Maintain a healthy diet that’s rich in lean protein, whole foods, and fiber. Stay hydrated. Generally, it would be best if you drank half your body weight in ounces of water each day. If you don’t already have one, start a regular exercise routine, and be consistent with it. And do what you can to mitigate and address the stress you have in your life.A Place At Home has compassionate and professional caregivers available 24 hours a day. If Parkinson’s is impacting your life, contact your local A Place At Home office. We are honored to help.

Home Care Prices – Knowing What You Need Saves Big Bucks

Home Care Pricing – The Devil Is In The Details

Do you need to find home care services for yourself or a family member? Are you trying to find home cares prices you can afford? Whether a family member or the client does the looking, the terminology in the home care industry is confusing and frustrating. Choose the wrong type of home care services and you’ll pay hundreds of dollars more in senior care costs. Here are some quick, easy pointers to help you navigate these services like a Pro.

Home Health Is Not The Same As Home Care

Home Health is what the name implies…health care in the home or senior living community where the Client lives. An example would be physical therapy at home after an accident. These folks work through insurance programs like Medicare or VA most of the time and prices are provided. This also means Home Health Agencies will not accept companion or homemaker service requests under normal circumstances. Home Health services are often assigned by the hospital, nursing facility or rehab center the client is leaving. Regardless, patients DO have the right to make this choice themselves.

Home Care: Companion Care vs. Private Duty Home Care

Home Care services are centered around non-medical assistance that allows the Client to age more safely while living in the comfort of their own home, family member’s home or senior living community. Home Care gets broken into two service levels in most states. These service levels are Companion Care and Private Duty. Prices vary significantly between them. Here are brief descriptions of their services and differences.

Private Duty

These providers perform a range of personal care tasks called ADLs (Activities of Daily Living). ADLs include bathing, toileting and dressing patients unable to perform these activities for themselves. While they are also able to perform Companion Care services, these providers often require a minimum number of hours and are generally more expensive. Hourly base rates often range from $23-$35+ on average. Add-ons drive the costs even higher. If you need a more hands-on care approach, Private Duty is what you’re looking for. However, many folks seeking basic services hear these rates and go no further. Yet, there is still another option. This alternative to Private Duty is Companion Care.

Companion Care

These providers offer the level of care most families seek. These families want someone to help with IADLs (Independent Activities of Daily Living) while the Client is home alone. This list of services allows for basic companionship, light housekeeping, fixing a meal, medication reminders, grocery shopping, etc. The Caregivers offered by these providers are usually a mix of CNAs, Home Health Aides and independent Caregivers. They provide the majority of the services Private Duty providers perform at a lower cost per hour. As a result of the reduced level of care needed, prices for these services average just $20-$27 per hour based on the number of days and hours being requested.

Agencies vs. Registries

It is also important to be aware of the differences between Home Care Agencies and Home Care Registries. While both may provide Private Duty services or specialize in Companion Care duties, the way they operate is quite different.

Registries (or Nurse Registries)

Registries generally do not employ the Caregivers they represent. They act more like a staffing agency for Independent Caregivers. Many of these Caregivers do not carry health insurance, general liability coverage, a professional liability policy or Workers Compensation insurances. Should an uninsured Caregiver get hurt, injure the Client or even take/break a valuable item in the Client’s home, the Client would be responsible for the expenses resulting from the incident.

Home Care Agencies (like A Place At Home)

Agencies are required by the State of Florida to fully employ their Caregivers. In addition, all Caregivers working for an Agency must undergo a Level II background check by the State to protect our seniors. Our franchisor takes the level of protection  even further by requiring all of those insurances listed previously. Our Agency also requires initial drug testing and random drug testing throughout employment. We protect both our Clients and Caregivers from unfortunate situations where feasible.

This quick explanation will aid you in your efforts to provide the appropriate level of care for yourself or loved one. Choosing the right services and level of care you or your loved one needs early in the search will also save you time, money and hopefully keep your blood pressure at a safe level.

My Team and I are always available to you should you have any questions. Please feel free to call our offices at 407-565-7600 anytime. You can also send an email to stephen.sherbin@aplaceathome.com if you have a question, comment or need assistance.

Have A Blessed Day!

Steve Sr.

Other Resources:
Home Care Association Of Florida:
https://www.homecarefla.org/general/custom.asp?page=whatishomecare
Agency For Home Care Administration
https://ahca.myflorida.com/
The information in this article is based on personal experiences in the State of Florida. Information will vary from State to State. We strongly advise readers to learn and follow the specific guidelines and laws in their own States and municipalities. The opinions expressed here are for entertainment purposes only. They are the personal opinion of the author and not necessarily the views or opinions of A Place At Home. We do not seek to provide legal or financial advice and always strongly recommend engaging an attorney or financial advisor who specializes in the desired services. All content is the trademarked property of the author and may not be printed or reproduced without the author’s express written consent.

We Stand Greater Than Diabetes

November is American Diabetes Month. As declared by the American Diabetes Association, this year’s theme is “We Stand Greater Than Diabetes.” The association chose this theme to highlight that when we stand together to support the research efforts, legislation, and a healthy lifestyle, we can be greater than the threat of diabetes.

There are three main types of diabetes: Gestational, Type I, and Type II. Type I and II are the most common. Most of the time, patients can successfully manage their diabetes, no matter which kind. Managing this condition can be done through diet and exercise, and in some cases (always, in the case of Type I), medication.

But what is the difference between Type I diabetes and Type II diabetes?

  • Type I Diabetes: With this type, the body doesn’t produce insulin at all. This type cannot be prevented but can be addressed with medication and insulin therapy. A healthy diet and regular exercise can help manage Type I as well.
  • Type II Diabetes: Though Type II is preventable, it is the most common type. It often occurs in aging adults. Someone who has Type II diabetes can produce insulin, but their body doesn’t use it properly. One can manage this type successfully with diet and exercise, but in some cases does require medication.

While there’s no cure for diabetes, managing the disease can ensure most people diagnosed will live long, healthy lives. However, complications from the disease can arise if it is not taken care of properly. If left unchecked, this disease can lead to underlying conditions that cause further complications and stress on the body.

Some of these complications are seen frequently in older adults and can require regular medical attention and care.

When diabetes is not managed appropriately, neuropathy (a condition affecting the nerves that can cause a loss of feeling and weakness in the area affected) and poor circulation can occur. This can quickly lead to diabetic wounds and ulcers, often seen on the feet and lower extremities. Not only that, but uncontrolled diabetes can cause other, severe conditions. Examples are heart disease, stroke, kidney disease, issues with vision, and some skin conditions. And of course, some of these can require frequent hospitalizations and multiple new medications.

If you have diabetes, there are things you can do to prevent further complications.

 You must keep track of any prescribed medications or insulin therapies. Ensure you’re tracking your blood sugar regularly, if necessary. And of course, maintain a healthy diet and get as much exercise as possible. If your diabetes has already caused complications, it might be a good idea to reach out to an in-home care company that can help you manage a healthier lifestyle. Having caregivers in your home can help ensure that you’re following a proper diet, can help with medication reminders, and, in some cases, medication management. You can also have the peace of mind of having oversight to address any further complications that might emerge.

If you’re an aging adult with diabetes or know someone who could use assistance managing the disease process, reach out to us today. Our professional and trained caregivers can help.

A Place At Home is Proud to Honor Veterans on Veterans Day and Every Day

Each year on November 11th, as a nation, we celebrate Veterans Day. This day can be confused with Memorial Day, but there is an essential distinction between the two. Memorial Day honors veterans that gave their lives defending our country. Veterans Day celebrates the lives of all American veterans who served during wartime.

Veterans Day was conceptualized in 1918 to celebrate the end of World War I. The day was dubbed “Armistice Day” due to the Allies and Germans calling a truce. The truce went into effect on the 11th day of the 11th month in the 11th hour. While World War I was thought to be the “war to end all wars,” World War II and the Korean War soon followed. As such, veterans and other military entities solicited to Congress to have the day changed to Veterans Day. 

Most Americans are aware that veterans are eligible for benefits throughout their lifetimes due to their service to our country. But few people, including some veterans themselves, know that these benefits can include in-home care. 

These benefits can cover homemaker services as well as personal care. Veterans need only speak with their team at the VA. Their physician can write an order for up to nine hours a week of care, with no out-of-pocket expense for the vet. As well, a benefit called Aid and Attendance exists for not only veterans but their surviving spouses. This particular benefit does have eligibility guidelines but will pay for care either in the home or in a senior living community, up to $27,195 per year.

Despite the current pandemic, there are still ways we can honor veterans this Veterans Day. You can donate to any of the veteran-approved foundations found here or ask a veteran you know to share about their time in service. As well, you can send letters or a postcard to a local military installation. National Parks offer free admission to everyone on Veterans Day – invite a veteran you know to explore with you (keeping safety in mind with social distancing, of course). 

At A Place At Home, we honor aging veterans by caring for them in their homes.

Every day across the country, our caregivers provide personalized care and companionship to retired members of our country’s military. We are proud to ensure these American heroes have the care and security they need when they need it most. If you are a veteran or know someone who is, reach out to us today. We will help you navigate the options and benefits available. 

 

A Place At Home Sells First Corporate-Owned Location to Local Franchisee

Omaha-based A Place At Home is now 100% franchisee-owned.

The day before the 2nd Annual A Place At Home Franchise Convention, A Place At Home Franchise sold its original Omaha location to Papillion franchisees, Rick and Kris Perkins.

“I can’t think of a better match for our Omaha-location than Kris and Rick. They won our 2020 Rookie of the Year award at this year’s convention, they’ve cared about the seniors of our community for a long time, and I am completely confident in their ability to take over Omaha operations. The staff loves them, we love them, it was a perfect match,” said Dustin Distefano, CEO and Co-Founder of A Place At Home.

Rick is a former counselor and manager who spent 20 years with Child and Adult Protective Services. He also served as Program Coordinator for the Juvenile Assessment Center. Kris is a former 911 dispatcher and EMT. She also worked in sales and deployment roles for Motorola Solutions, Inc., where she deployed public safety software across the United States. This husband-and-wife team has been running the Papillion franchise location for over a year now.

“Helping seniors age in their own homes has become a passion for us, and the Omaha team has been so wonderful to work with during this transition,” Kris says.

“We understand enlisting the help of professionals to care for loved ones is a tough decision to make,” said Rick. “We want the Omaha community to know we’ll treat your family like we’d treat our own family. And we want to ease the stress of the transition to an assisted living community when the time comes.”

The Papillion franchise office is located at 10791 S. 72nd St., Suite #104, and serves Bellevue, Offutt, Ralston, Chalco, La Vista, Council Bluffs, and Center Lake. The Perkins will establish the new Omaha location at 9829 S 168th Ave, Suite A in 2021. They will also have a central satellite office at Terrace Plaza, 11414 W Center Rd. They will also serve Elkhorn, Fremont, Blair, Wahoo, and Gretna and the Iowa communities of Council Bluffs, Crescent, and Glenwood.

To A Place At Home co-founders, Jerod Evanich and Dustin Distefano, awarding franchises to the right people is an important part of fulfilling their mission:

“To be passionate professionals providing the compassionate care solutions you need, when and where you need us.”

If you or someone you love needs care in their home, contact us today!

A Math Major, a College Roommate, and a Twist of Fate

Caregiver of the Month Alex Swanson didn’t start her college career thinking she would be working in senior care.

Majoring in Math with a minor in Business and French at UNO, Alex stays busy, studying hard and preparing for a future in data science. When she started classes, her roommate, Maddie, worked in senior care as a caregiver for A Place At Home. Maddie had been caring regularly for a long-term client. When the time came for Maddie to transfer to a different school, she had reservations about leaving. That’s when she approached Alex about applying with A Place At Home to take over caring for her client. At the time, Alex had been looking for a part-time job to make some money over the summer. That was two years ago, and Alex is still caring for the same woman every week. She’s a regular caregiver for another client, as well.

“It’s impossible now to think that it was just going to be a summer job.”

While Alex didn’t initially see herself working in senior care, she said that she was intrigued when Maddie first approached her. She shared that she didn’t have grandparents close to her, and she welcomed the opportunity to learn from an older generation. Her experience so far? Incredibly rewarding. “You care about their well-being so much that it feels like they’re your family.” Though she does admit, it can be emotionally taxing, especially when the person you’re caring about is having a bad day. Even so, the bond that’s been built between her and her clients is something Alex loves. She can anticipate what their needs are before they even have to ask her for something.

“I had no idea – you make a difference for them, but they really make a difference for you.”

Regarding her employment with A Place At Home, Alex is thankful that everyone is so accommodating about her schedule as a full-time student. “I can’t imagine any other job that would get me through college that I would love this much.” Her advice for new caregivers coming into the field? “Expect to get attached to people.”

Be aware of their kindness and the fact that you are a stranger that is being welcomed into their home.

Alex says that it will be hard for her to leave A Place At Home when she graduates. She expects in the future that she will find herself working with seniors again, likely on a volunteer basis. Working in senior care was unexpected, but she says now, “It felt like fate.”

If you or someone you know is looking for a rewarding career, apply with us today. It may be one of the most rewarding things you do!

Long-Term Care Worries? We Have You Covered

$85,000 to $100,000. That is the current estimated cost per year to pay for long-term care.

Don’t think you’ll need it? Think again. There is a 70% chance that someone turning 65 today will need some type of long-term care. Those numbers will go up, as people live longer each year. Those care needs may be in the home or a senior living community.

While these numbers can be intimidating, there are options available right now to prepare you for your long-term care needs.

A Place At Home recently sat down with Matthew Hooker, a financial advisor with Edward Jones. He shared there’s not a specific age to start planning for long-term care. “I’ve seen people do it as early as 40-45. Because they have seen it, and they are willing to pay to avoid it.” He advises if you start early, then you can address it before it’s an issue. And that’s the best assurance you can get. In the past, long-term care policies were a use it or lose it proposition. It was incredibly expensive to carry a plan, and the rates would go up. Often when people transitioned to a fixed income.

Fortunately, that’s not the case these days. According to Matthew, now there are great options for long-term care policies.

Some of these are hybrid policies, encompassing coverage for both assisted living situations as well as life insurance. He explained some of the options available to help you prepare for your long-term care needs:

 

  • Integrate long-term care into your budget (self-insuring): This allows you the most flexibility in choosing your care providers, but paying out of pocket for long-term care can be costly and can be a gamble for your financial goals.
  • Long-term care insurance – If you choose to go through an insurance company, you have a couple of options:
    • Traditional long-term care insurance:
    • Policies and costs vary quite a bit, based on different things, such as your health, age, location of care, and more. It can ensure you won’t deplete your assets and income if you need long-term care. It also offers flexibility and possible shared benefits between two people. However, premiums are not fixed or guaranteed. You do still have to pay them, even if you don’t need care later.
    • Life insurance with long-term care benefits: these policies are newer and can allow you to use the death benefit to pay for long-term care if you need to. Premiums here are generally fixed, and if no care is required, it provides a life insurance death benefit. There are additional costs with these hybrid policies, and the long-term care coverage is often less than with a traditional long-term care policy.

 

Saving for your potential long-term care needs can be like a roulette wheel. How you decide to plan for your future depends on your individual needs.

Matthew advises that whatever you decide to do to prepare for long-term care as you age, make sure you have a game plan that makes sense. “I take people’s priorities, their picture of retirement, and give them different vehicles to get to where they want to go.” He also shares that a large part of his role is interpreting what people’s needs really are. “Long term care, assisted living, nursing home care, people use all these words interchangeably, and none of them mean the same thing.” Matthew knows the difference between all of these, as well as the ever-changing rules and regulations, changes in legislation, and especially long-term care and assisted living. Everyone’s situation and goals are different. “I work with people and interpret whoever they are as a person.”

“Their experience? That experience is what you have to get down to, and really understand.”

Matthew will help you plan for how you envision your future. He does comprehensive planning, including full-blown insurance and investments, stocks, bonds, mutual funds, 401k’s, cash accounts, money markets, refinancing your home (which he does not recommend), estate planning, and trusts. Helping people is something Matthew has a passion for. He shares, “I truly love this profession, this job. I get paid for it, thank God because I would do this anyway. I love helping folks.”

Whatever your current situation or future goals are, A Place At Home recommends speaking with Matthew to ensure your needs are met. And to ensure you are set up for any potential long-term care needs you may have in the years to come. You can reach him by visiting his website, sending him an email, or calling him at 402-630-7379. With all the uncertainty, especially with what we’ve seen this year, reaching out to Matthew might be one of the best things you can do to prepare for your future.

Need guidance looking for in-home care, or choosing an assisted living community? Reach out to us today to explore your options!