What is In-Home Care?
If you are the adult child of an aging parent or have a family member who lives with a disability, in-home care can help you support their daily needs while allowing them to remain independent and at home. In-home care is also referred to as non-medical home care, personal care, home care and companion care.
Services Offered by In-Home Care Providers
In-home care agencies can be employed to help your loved one with the Activities of Daily Living (ADL) and the Instrumental Activities of Daily Living (IADL). Both are key to helping a loved one remain safe and healthy at home. What are ADLs and IADLs?Read more...
- Activities of Daily Living (ADL) - The routine care tasks of daily life. They include: grooming, bathing, dressing, toileting, and transferring.
- Instrumental Activities of Daily Living (IADL) - These are the chores we need to complete to maintain our home, health, and independence. Examples include: bill paying, grocery shopping, housekeeping, and medication management.
Benefits of Home Care
Home care is generally considered to be the ideal solution for older adults. It offers a variety of benefits:
Maintain Independence. Remaining at home for as long as possible is the hope most adults have as they age. "Aging with choice" is how many people describe that wish. Home care services allow seniors to be safe in their home environment.
Affordability. For older adults who need services for six hours or less each day, in-home care can be the most cost-effective solution.
Companionship. If your loved one lives alone and no longer drives, companion care can help keep them connected. Companion visits can be made to read to your aging parent, take them on shopping outings or to a movie.
Personal Care Plan. Unlike a senior living environment where you might pay for services you don't need and be required to adapt to the community's time schedule, home care services are arranged at your convenience. You can work with the in-home care agency to develop a personal plan of care for your family member.
Cost of In-home Care
In 2013, the average home care costs are between $10 and $36 per hour. The median cost is $18 an hour.
Paying for Home Care Costs
Home care services are typically paid for using private family funds. There are several other options you can explore including: Veteran's Aid & Attendance Benefit, reverse mortgages, and local government assistance. If your loved one purchased long-term care insurance, be sure to investigate whether or not it covers non-medical home care, as some newer policies do.
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