Care planning and paying for long-term care

Currently 12 million Americans require long term care services and 70% of seniors need some type of support. Many people worry about how to pay for the long term care and support that may be needed.

Unfortunately, many people are ill informed regarding benefits for which they may be eligible. Others do not understand how to access benefits for which they have paid.

This problem is often further complicated when “cost-savings” is made the priority over the appropriateness and reliability for a specific service need. One common example is when a neighbor is looked to for advice on a Medicare issue. Another is when a college student is given room and board in exchange for personal care or a friend is put in charge of filling prescription medications or a son-in-law who is handy with tools installs safety devices in the bathroom.

The list goes on and on… Well intentioned people volunteering care or providing low-cost support to seniors and their caregivers can all too quickly turn a care situation into an expensive, unsustainable or even life-threatening risk.

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People often over-estimate or under-estimate care needs! Before looking at how to pay for care, we work to understand what types of care are essential for the individual and how much care they will actually need. The initial stages of creating a care plan include assessing what types of care are needed, what persons or services are most appropriate to provide that care and what resources are available to provide or pay for required care.

It is important not to make the mistake of under utilizing benefits that have already been paid for or are otherwise available for the person who needs care. We know it is essential to provide a clear understanding of eligibility and coverage for public and private benefits, as well as the processes for activating these benefits. We also examine all the resources that are potentially available to the person who needs care. A care plan can then be created holistically with a wide-range perspective of needs and resources within the overall context of a person’s life goals and preferences.

Anne Conrad-AntovilleAnne Conrad-Antoville is CEO of Champion Advocates LLC, Geriatric Case Management Services, serving seniors and their families in the Portland Oregon region.

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