Understand options available for long-term care

| Nov 1, 2018 | Long Term Care Planning |

Most Texas residents and others around the nation avoid thinking about the possibility of being physically or mentally incapable of caring for themselves one day. Unfortunately, this situation is the reality for many individuals, especially as they become older. While some people have made plans for future long-term care, the majority have not. Considering the different options and understanding the differences among the facilities available can be a worthwhile process.

Hopefully, many senior adults can continue living in their own residences and begin receiving in-home medical care. This may start with assistance with personal care activities or ensuring that medications are taken properly. When care at home is no longer feasible, there are many different options available.

Certainly, nursing homes are chosen when more skilled care is required. However, assisted living facilities are an excellent option for those who are still active. Adult foster homes are becoming popular among those seniors who prefer to continue living with others in a family environment.

Needs of the individuals involved dictate what type of facility is best. Physical abilities and mental capacities can change over time and the level of care may need to be increased. Whatever type of care is selected, it can be very expensive to families caring for loved ones. Medicare and Medicaid have limits on the amount of assistance provided, then a family must plan how to pay any remaining costs.

There are many options available for funding long-term care. A Texas attorney familiar with elder law can provide guidance on how to develop a plan specific to an individual’s needs. An experienced lawyer will work with clients to specify what type of care is desired in the future and how best to fund it.