Look for Hidden Costs
One major issue regarding elder care is the cost of home care. When my neighbor, Joe, came home from the hospital after an injury, we got a rather shocking initiation into the then quite new in-home health business. The hospital didn't even tell us we had a choice of agencies and I was really green at the time. I'd never dealt with this kind of thing before.
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Joe was used to my daily company, and I continued running over and staying an hour or so each day. But, since the hospital said he needed certain services, we just took it as gospel. The people came. We figured it was part of his Medicare coverage, as no one told us differently.
Know What Your Loved One Needs and Only Get Those Services
Some caregivers were nurses who came to change dressings on his arm, but that was only for a few days. However, people kept coming, and we weren't too sure why. It was "advised" that he have this help. They didn't do anything I couldn't do, except someone slept there, which he hated. Joe had a personal alarm to call me, and I watched his window lighting at night, so I was very available. Finally, we called a halt to these strangers, even though we still thought Medicare was covering the cost.
Gotcha! Medicare pays for nursing care only. That was a fraction of the bill. Joe had to cough up nearly a thousand dollars to pay for the "custodial" care, the same kind of care that I gave him free. The person who watched TV with him (he was totally deaf and couldn't visit); the person who washed a few dishes, which Joe could still do, or I would; the person who made his bed – all of that was custodial care that Joe had to pay for.
As I mentioned, this was in the early days of in-home care, and the agency was owned by the hospital he was discharged from. I made it my business, after that, to learn what Medicare covered and what it did not. I also made it my business to check out different agencies and not just take the one suggested by the hospital or other medical person.
Understand Tax Laws
One more thing. If you are considering hiring someone who is not employed by an agency, you may find you are responsible as an employer for taxes and for liability, should the caregiver get hurt on the job. Tread very carefully, should you choose to hire outside of an agency. Get the facts you need from your state employment people, check references carefully, and make sure you are covered for worker's compensation and other risks. You may find the most wonderful caregiver in the world by hiring your aunt's best friend who was a nurse. But you also may be looking at a legal nightmare should anything go wrong. You may want to browse the site of the National Private Duty Association (www.privatedutyhomecare.org) for a little advice.
As with everything we do for our elders, in-home care agency hiring requires due diligence on the part of the family. We need to be advocates for our elders. We need to do our best to make sure they are safely cared for. We also need to understand the costs so we know up front what is out-of-pocket and what is covered by Medicare. The rules are in flux at this time, so stay on top of it.
Elder care author, columnist and speaker Carol Bradley Bursack is an AgingCare.com contributing editor and moderator of the
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Read her full biography