Becci Bookner

Ask Becci: Nursing Home Myth

As the owner of a personal care assistance business, I’m continually surprised by this question I get: Aren’t most elderly people living in nursing homes?

Not only are most elderly people not living in nursing homes but the numbers of those who do live in a nursing home is actually declining.  In 2004, the number of seniors living in nursing care facilities plummeted from 6.8% to 4.2%. Experts on aging and medicine foresee that this downward trend will accelerate in the coming years.

There is evidence that even disability among older people is declining rapidly. The result is that between 94% to 96% of older family members live independently or with assistance either at home or in assisted living communities.

Our seniors are in better shape than earlier generations nutritionally, medically, and fitness-wise.  There are upwards of 140,000 people over 100 years of age in our country.  They are physically and intellectually fit and wonderfully engaged in life. You might be interested to know that there are approximately 82 incredible centenarians right where I live in Rutherford County, Tennessee.

That is why I designed Family Staffing Solutions, Inc. to be committed to the notion that “length of life” offers a whole new world of opportunity for seniors (and their adult children who want parents to live abundantly) to be consumers of items in every area of life, which promote their personal choice and independence.  Our company offers the type of support to allow seniors to age in place, remain engaged in church, civic, and recreational relationships. This  keeps their lives meaningful, and inspires them to look forward to celebrating more birthdays.

Did you say…a tool kit?

The one issue in offering advice about care for an older person is that no one except the people in that  family can know the dynamics, history and relationship between siblings and parents that make that family unit so absolutely unique. To say, “I understand” is to minimize that uniqueness. We can relate, but the outsider can truly not understand.

As an owner of a personal assistance care company and the adult child caregiver for my mother, there are special opportunities to see things with a bit of a different view. Caregivers, be they on a roster of a personal care company or as the adult child, do need A Tool Kit. Continue reading

Ask Becci: Does Insurance Cover Elder Care?

One question that comes up during initial discussions with potential personal care clients is regarding whether or not Family Staffing Solutions, Inc. services are covered by a health insurance policy or by Medicare.

While our services are not covered by either of those sources, there are a number of insurance products that do cover personal assistance care, if provided by a licensed company.  Beyond the more obvious long term care policies which  cover “non medical” assistance care for clients requiring support with activities of daily living, you may find the following information helpful.

Keep in mind that long term care and specific insurance products involve a wide variety of services for people with prolonged physical illness, disability or cognitive disorders. Options for utility of this insurance product is growing all the time. Long term care is more than just nursing home care and does apply to clients who are in their own home. Your policy should be thoroughly examined for coverage opportunities and limits.

Other insurance products you can explore may be included in your automobile insurance. As a result of an accident, you may have coverage for personal care assistance while rehabilitating. Personal care services are also covered under some worker’s compensation settlements, and there are products available through specific governmental agencies for clients with disabilities while they are in institutions of higher education or Vocational Rehab.

If you have questions about elder care coverage solutions, please feel free to contact Family Staffing Solutions at 1-866-383-5670. We would be happy to discuss some of the resources we have found that aid our clients in funding their personal care solutions.