Texas is known for being a wonderful retirement destination. Fort Worth provides dozens of in-home care providers and more than 316 senior care providers and services. If you are trying to juggle senior care with other commitments, consider hiring a home health aide or homemaker to make life easier on you and your loved one.
Texas provides some funding for those that qualify to pay for in-home care. There are other payment options you can consider while planning for in-home senior care.
There are close to two dozen in-home care providers in Fort Worth.
One in every seven Americans is a senior.
Nurse aides must be trained and pass evaluation programs through the Texas Department of Aging and Disability Services.
Before hiring a nurse aide, an agency must conduct a criminal background check and check the Employee Misconduct Registry.
Close to half (46 percent) of senior women age 75 and older live alone.
The rate for a homemaker in the Fort Worth, Dallas, and Arlington area is $19 per hour on average, according to the Genworth 2015 Cost of Care Survey for Texas. Homemakers provide companionship to seniors and take care of light housekeeping, errands, and meal prep.
Home health aides provide more services related to your loved one’s needs, including:
Bathing Dressing Grooming Toileting Blood sugar checks Pulse checks Blood pressure readings Medication administration
These aides are trained, certified, insured, and bonded, if you use a home health agency. The hourly rate for a home health aide is $19 per hour, or $43,472 per year on average.
If you are trying to balance caring for a loved one with other obligations, a homemaker service or in-home health aide can help. An aide can come in the mornings and evenings to check on your loved one, or make an afternoon visit when needed. You can hire a caregiver to work full-time hours while you are at work in Fort Worth or Dallas.
Aides are not only available in a part-time or full-time basis. You can hire an aide for respite care when your regular caregiver is sick or you need time off. Using a caregiver for respite care can also serve as a “trial period” to see if you and your loved one would like to use their services more in the future.
Live-in caregivers can provide assistance to seniors facing chronic illnesses or terminal diseases and require intensive care. If you have the room in your home, having a full-time caregiver can take the pressure off of you when faced with an emergency.
You can hire a homemaker or home health aide without using an agency. Be sure to screen and qualify each aide before hiring. Since you will have an employee, it is advisable to consult with an accountant about the tax forms and withholdings you will be responsible for reporting.
An in-home care agency takes care of all the taxes, payroll, licensing, and other accounting tasks. You can find dozens in the Fort Worth and Dallas area. Before choosing a company, ask friends and family members for referrals. You can find reviews online at a senior care directory, usually written by family members of the clients.
The Better Business Bureau also has ratings and reviews for companies online.
The In-Home and Family Support program offers support to Texan seniors and their families. The program covers home health aide care, homemaker services, respite care, and medication not covered by Medicaid or Medicare. You can apply at the local Texas Department of Aging and Disability Services office.
Veterans can check with the Veterans Administration about the VA Aid and Attendance Pension. This benefit is added to the vet’s monthly pension amount to cover the cost of in-home care. The vet must have served on active duty during war time to qualify. Spouses are also eligible for the benefit.
Texas homeowners may be eligible for a reverse mortgage. The loans are sometimes used as a last resort due to the complexity of the terms and conditions. Consult with a financial advisor or elder-law attorney to make sure you understand what is required to avoid foreclosure.
Other options to pay for in-home care include cashing out long-term care insurance policies and life insurance policies, using funds from IRAs, trusts, and other investment accounts. Speak to a senior care advisor about more options in Fort Worth.
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