By: Breque Bonner
In America there are more than 15 million childless baby boomers. As many of these boomers are entering retirement they are beginning to wonder about who will take care of them in the future. This is not only a problem that those without children face; many elderly parents live in different states or even countries from their children. For baby boomers that do not have children, or for those with families far away, who will come over to make sure they are well on a regular basis? Who will advocate for them if they are hospitalized? Without offspring, these boomers must take action and plan ahead for what will happen when they can no longer care for themselves completely on their own. But take heart- if you are a baby boomer without children, or if you are geographically far from your family, there is no need to feel alone, you have options for your long term care.
- Home Care– Home care agencies provide caregivers come to your home for one to twenty-four hours a day. This is a great option if you would like to remain in the comfort of your own home but just need some extra help. Home care companies can help you with meal preparation, light housekeeping, laundry, transportation to appointments, and personal care.
- Independent Living– Independent living facilities are ideal for seniors that are still capable of taking care of themselves but would like more social interaction. These facilities offer scheduled activities and lots of opportunities to mingle with others. However, if the social interaction is appealing to you but you need extra care, you also have the option to hire a home care company to help you in your new home or to take you to appointments or outings that the community bus does not visit.
- Assisted Living– Assisted living facilities offer the social interaction of independent living facilities and the care of a home care company. In assisted living all of your meals are prepared for you, some even have a spa on site!
- Care Management– It is important to hire a professional Geriatric Care Manager to advocate for you. If you are just coming out of the hospital and need to go to a skilled nursing facility to recover, it is important to have someone on your side to make sure you get the care you need. Care managers can also help make recommendations of home care companies, independent and assisted living facilities if you need help determining which option is best. Care managers are also able to give an unbiased opinion on what your care needs are if you have family involved that is having trouble agreeing on what is in your best interest.
- Long Term Care Insurance– If you do not already have a long term care insurance policy, now is the time to get informed. Long term care insurance can help pay for nearly all of the services listed above. This way, you can get the care you need, where you want it. Whether that is a care manager to help you facilitate your care at home or a new home in an assisted living facility. Long term care insurance helps you get the care you want.
The best thing you can do for yourself when it comes to the future is be prepared. Do research and learn all of your options to ensure you are making an informed decision. Have a plan in place for the type of care you desire and let someone know (whether it is a family member, friend, or professional care manager), this way they can see to it that your wishes are granted.
Information Provided in Part By:
“Childless Boomers Wonder Who Will Handle Their Long-Term Care” By: Anita Creamer, Sacramento Bee, Web, Nov 13, 2012 < <http://www.kansascity.com/2012/11/13/3915321/childless-boomers-wonder-who-will.html#storylink=misearch>