by trevor@addfuelfire.com | May 22, 2014 | Dear Donna, Healthy Aging, Uncategorized
Dear Donna:
My mother will be undergoing hip replacement surgery at a hospital in Saginaw, Michigan in late June. Her surgeon has advised us that she will likely need to go to a rehab center for a few weeks of therapy after she leaves the hospital. We are trying to figure out if Medicare will pay for that and how to choose the best one for her recovery. Can you help us understand what this means?
Diane in Adrian, Michigan
Diane:
It is a definitely a good idea to tackle all of this before your mother’s surgery. That will help her make a smooth transition to the skilled nursing and rehab center and then, eventually, back home.
Here is how the Medicare Skilled Nursing & Rehab Benefit works:
- Your mother will qualify for the benefit if she spends three nights at an inpatient level of care in the hospital.
- Once she transitions to the skilled rehab center, Medicare will pay for the first 20 days in full.
- Beginning on the 21st day, she will be liable for a co-payment amount. In 2014, that is $152 per day. If she has a secondary insurance, it may cover this amount.
- If she still isn’t back on her feet after day 100, she will be liable for the entire cost of the stay. But don’t worry. Most seniors are back on their feet and home long before this!
As far as finding the best provider, Medicare has a few tools that can help. One is the Nursing Home Compare rating system on Medicare.gov. It allows you to review each provider’s state survey results and (if applicable) complaint surveys from residents and their family members. Medicare also has a Skilled Nursing Facility Checklist you can download to help you compare one community with another.
Finally, our best piece of advice is to tour every community you are considering for your mother. It would probably be a good idea to have a list of 2 or 3 options. That way if one or two of them are full, you still have another option that your family has already visited and approved of to turn to for rehab.
I hope this helps, Diane! Best of luck to your mother in her surgery and rehab.
Donna
by trevor@addfuelfire.com | Mar 30, 2014 | Caregiving, Dear Donna, Uncategorized
Dear Donna:
My sister and I are going to have “the talk” with our mom this weekend about moving to assisted living. We will both be in town to celebrate her 85th birthday. We think one of her objections will be that she doesn’t want to leave her treasures behind. She was an antiques dealer who had stores in several small resort towns in Michigan. If she moves to an assisted living community, will she be allowed to bring her own furniture?
David in Saline, Michigan
Dear David:
Good news! In the majority of instances, your mother will be able to bring some of her treasured antiques with her to assisted living. In fact, being surrounded by some of her favorite things will probably make her new assisted living apartment feel more like home. That can help her make a smooth transition.
We typically recommend families obtain a copy of the floor plan for her style of apartment from the community’s administrator. If dimensions aren’t already labeled on the floor plan, measure them yourself or ask the community staff to do it before you start making plans. Knowing how much wall space you have in each area of the apartment will make it easier to determine which piece of furniture will fit there. A word of caution, however, is to not fill the apartment so full that it creates a fall risk for her. Be sure to leave uncluttered, open spaces and pathways in the areas she will most often use, such as from the bed to the bathroom or her favorite loveseat or chair to the kitchenette.
We hope this helps, David! If you have any questions about assisted living in Michigan, we invite you to call the Heritage Senior Community closest to your mother for help.
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by trevor@addfuelfire.com | Feb 12, 2014 | Dear Donna, Healthy Aging, Uncategorized
Dear Donna:
My great aunt lives on a large, wooded farm in mid-Michigan. Unfortunately, she is almost 90 miles away from us. We bought her an iPad during the holidays and are trying to find ways to encourage her to use it to keep in touch with us and to connect with other homebound seniors. Do you have any advice to offer us on ways she can safely make those connections?
Sandy in Saginaw, Michigan
Dear Sandy:
What a thoughtful gift and a great way to help your aunt stay in touch with you! According to a study from Pew Internet Research adults 65 years and older are the fastest growing social media demographic and tablets, like an iPad, are easy for seniors to use. After you have your great aunt set up, preferably with WiFi in her home, here are a couple of sites you can help her navigate as you are teaching her how to use her iPad:
- Skype or another free video chat service. This may be the very best way to help her feel connected with you and other far away family members. It also offers you peace of mind by allowing you to “see” her for yourself every few days.
- Find friends on Facebook. Helping your aunt set up a Facebook page (complete with privacy settings) is another way for her stay in touch. She might be able to reconnect with childhood friends and neighbors that she has lost touch with over the years. It might also help her save money if she “Likes” some of her local merchants so she can watch for sales.
- Set up an email account. This is still the place where older adults spend the majority of their online hours – reading and responding to email messages. Having email access will allow her to keep in touch with you and other loved ones more easily.
- AARP Online. Their site is rich with resources, helpful articles, entertainment opportunities, online communities and more. You will find information on topics ranging from healthy eating in later life to travel tips for seniors.
We hope this helps your aunt get started on her new iPad!
All the best,
Donna
Are you an older adult who enjoys staying connected through social media?
Do you have any tips to share with Sandy? Please add them in the Comments below.
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by trevor@addfuelfire.com | Jan 31, 2014 | Caregiving, Dear Donna, Uncategorized
Dear Donna:
My brother and I will be visiting our elderly mother to tackle the topic of senior living this month. She lives in Holland, Michigan and we both live out of state. When we were visiting with her during the holidays, it was obvious to us that it is time for her to move. She just isn’t safe living alone any longer. We are concerned about how much this will all cost. While she isn’t a low income senior she does live on a fixed income. How do most families pay for assisted living in Michigan? We are trying to get our research done before we head back to our mother’s house this month.
Kristina
Dear Kristina:
It is a great idea to spend some time researching your options before you talk with your mother, and paying for care is usually one of the first questions we hear. Adult children from across the state of Michigan call our communities every day with your same concerns. The good news is that affordable senior housing is possible. Paying for a quality senior care solution for a loved one doesn’t mean an adult child has to mortgage everything they own. In fact, most families use a combination of resources to finance senior housing. They can include:
- Long-term care insurance: Many adult children overlook this when trying to finance in-home care or assisted living. They think the policy only covers a nursing home stay. In fact, many pay for other levels of care. Be sure to check in to this if your mother has a policy.
- Veteran’s Aid & Attendance Benefit: This is additional money available for veterans and/or a surviving spouse who qualify. If your father was a veteran or your mother is one, this is a great avenue to explore.
- MI Choice: Often referred to as the “waiver” program, it is designed to help Michigan residents who meet certain income and asset criteria finance senior care. If an elderly resident in Michigan qualifies, it can help with assisted living expenses.
- Life settlement solutions: These programs allow the elderly to sell an active life insurance policy for a cash amount greater than the surrender value but less than the face value or death benefit.
- Senior living line of credit: Several companies that offer these types of loans to help finance senior living. These short-term loans can be used, for example, while waiting for the sale of a home to be completed or a better time to liquidate an asset.
- Private funds: Most families do have to use at least some private funds to pay for an assisted living community for a senior loved one. It is typically money from savings, investments or the sale of a home
We hope this helps you, Kristina! We encourage you or your brother to call one of our local Michigan communities, including one we have near your mother in Holland, if you have any more questions.
Donna
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by trevor@addfuelfire.com | Jan 10, 2014 | Caregiving, Dear Donna, Uncategorized
Dear Donna:
During our family visit to my mother’s house in Traverse City, Michigan over the holidays, I came to the conclusion that she just isn’t safe living alone any longer. The change in her condition from last year to this year is quite dramatic. I was so shocked to see how much has changed! Mom has lost a lot of weight, her house was a mess and she is always forgetting to take her heart medications.
I know now that I need to find a senior living community in northern Michigan for her to move to this winter. I’m just not sure what to look for and where to start. Can you offer me any advice? One question I’m wondering about is whether or not I should visit some of the communities before I talk with my mom about moving.
Patty
Dear Patty:
I’m sure there are a considerable number of adult children who came to the same conclusion about their aging parent over the holidays. Many transitions to senior living communities begin at the prompting of an adult child.
Your question about when to involve your mother is one we hear quite often from families who are first beginning this search. The question is a tough one to answer because it really depends upon your personal situation.
If you think making a move is something your mother is ready for and may welcome, it is probably best to involve her right from the start. Some adult children we work with are surprised at how willing their parent is to move, especially those who have become fearful of living alone.
On the other hand if you feel your mother will be resistant, it may help to educate yourself on senior living and explore options before you tackle the topic with her. By eliminating some of the assisted living communities you know won’t work for her and narrowing the choices to those that might, you can make the process easier for her.
Here are a few factors to take in to consideration as you begin your search for care for a Michigan senior loved one:
- What is important to them? For example, do they have a pet they won’t move without? Do they want to be close to their church or to where their grandchildren are?
- Can a community accommodate their care needs now and in to the future? That is always a good question to ask the staff at each of the communities you talk with during your search. The last thing you want to have to do is move your mother again in a few months because she needs more care.
- How much space will they realistically need? This can be a real sticking point for some seniors, especially if they are moving from a large home. What do they really want and need to be able to take with them when they move?
- What type of environment will best suit their personality? Do they like to dress more formally for dinner or are they more comfortable in jeans and sneakers?
- Will they need transportation to physician appointments and for other errands? Assisted living communities all offer different types of transportation and at different prices.
I hope this helps you get started in your search, Patty. Please feel free to call one of the Heritage Senior Living communities if you need additional advice or guidance!
Donna
by trevor@addfuelfire.com | Nov 18, 2013 | Alzheimer's and Dementia, Caregiving, Dear Donna, Uncategorized
Dear Donna:
I am the caregiver for my 71 year old mother who has Alzheimer’s disease. In the past she has been able to handle Medicare open enrollment on her own. This year, for the first time, I will be responsible for this task. I’m not yet eligible for Medicare myself so this is all new to me. Can you help me figure out where and how to get started? I know this is important and I don’t want to make a mistake.
Karen in Holland, Michigan
Dear Karen:
Thank you for this great question! The open enrollment period for Medicare runs from October 15th through December 7th every year. It is the time when Medicare recipients can make changes to their current plan. Because we do receive this question from the adult children of our residents quite often, we have put together this list to help you make the most of open enrollment.
- Review your mother’s Annual Notice of Change (ANOC) even if you are happy with her current coverage. Double check to be sure the benefits of her plan will be the same in 2014 and that her current health care partners will still be a part of the plan.
- Should you decide you want to investigate different options for her, the Medicare Plan Finder tool will allow you to search for plans in her area by zip code.
- If your mother is participating in a Medicare Advantage plan, the Medicare Advantage Disenrollment Period (MADP) is from January 1st through February 14th each year. If you are unhappy with her plan, you can dis-enroll then.
- Drug coverage is always an area where adult children have many questions. To learn more about this part of her Medicare benefit, you can visit the Medicare website drug coverage resources.
- Finally, Medicare developed a brochure Have You Done Your Yearly Medicare Review that you can download for free to help you conduct this annual audit of her Medicare coverage.
I hope this helps you get started! If you have specific questions about her Medicare coverage, you can call Medicare directly at 1-800-MEDICARE for help. I always recommend that caregivers take notes when they call Medicare including the date, time and name of the person they spoke with for advice.
Donna
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