Health conditions, daily activities, safety, social needs, and budget
Build the support team
Family roles, care manager, medical providers, and community resources
Choose care options
Start with least restrictive; plan backups if needs increase
Plan the money
Map Medicare/Medicaid, VA benefits, insurance, savings, and home equity
Put it in writing
Create a simple family care plan and share with all involved
Frequently asked questions
Does Medicare pay for long-term care?
Medicare covers short-term skilled care and rehabilitation after a qualifying hospital stay, not ongoing custodial care. Long-term custodial care is typically private pay, Medicaid (if eligible), or covered by long-term care insurance.
When should we consider assisted living vs. a nursing home?
Assisted living helps with daily activities but not 24/7 skilled nursing. Choose a nursing home when complex medical needs or continuous supervision are required.
What does a care manager do?
Care managers assess needs, create care plans, coordinate services, and monitor care—saving families time and reducing stress.
How can we afford home care?
Combine family help, paid caregivers, VA benefits (if eligible), long-term care insurance, Medicaid (if eligible), and programs from Area Agencies on Aging. Reverse mortgages may help some homeowners age in place.
What are signs of caregiver burnout?
Exhaustion, irritability, sleep problems, frequent illness, and resentment. Seek respite, share tasks, and consider a care manager.
How do we report suspected elder abuse?
If danger is immediate, call 911. Otherwise, contact Adult Protective Services in your state or your local Area Agency on Aging for guidance.
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