As you age, you want to stay comfortable, and most likely your home is your comfort zone. In 2014, AARP conducted a survey and found 71 percent of seniors between ages 50 and 64 want to stay home as they age. This number increased to 87 percent for those 65 and older. Thankfully, there are many options to help you or your loved one age at home in Greensboro. You can find any help you need from medical to regular home chores. If you want to save money, you will see dollar signs with all the money you can save at home versus living in a nursing home.
The North Carolina Department of Health and Human Services regulates all health agencies.
There is assistance from the state for low-income seniors and those with risks of going into a nursing facility.
More than 814,000 Americans were home health aides in 2016. There were about 39,320 home health aides in North Carolina.
The average annual salary for North Carolina home health aides was $20,170 in 2016.
In 2016, the average daily cost for homemaking services in Greensboro was $133 daily. Using this figure for a 5-day work week and 52 weeks, this totals to about $41,184 a year.
What do you get for the money? Homemaking services help you with the tasks around the house you may find getting harder as you get older like grocery shopping, transportation, meal preparation, and cleaning.
You can also find additional homemaking services that assist with:
Daily personal hygiene
Interaction with people
Safety checks to determine and help fix any hazards
Prescription medication reminders
Pet and houseplant care
Homemaking services are a great option for seniors that just need help with the daily household chores and don’t have health needs. This service also gives seniors company during the day to prevent loneliness. Having someone come regularly is a good way for the family to keep an eye on a loved one if they don’t live nearby.
In Greensboro, the average daily rate is the same for a home health aide as it is a homemaker, which is $113. If you compare the average daily costs for nursing home rooms of $220 for a semi-private room or $245 for a private room, you can save around $39,000 - $48,000 annually depending on the type of nursing home care you choose.
Home health aides provide the same household services as homemakers, but can also provide some medical monitoring such as checking blood pressure, dressing wounds, and assistance with mobility devices.
Home health aides employed through home care agencies must meet training and experience requirements determined by the state of Nebraska. This experience includes both classroom and hands-on clinical experience supervised by a registered nurse. Home health aides learn about infection control, senior nutrition, moving patients safely, and emergency procedures.
There are different levels of care to cover any situation. You can work with the home health agency to develop the best plan for you, and a schedule that works for you. Below are some various options for in-home care:
Respite care is for when your usual caregiver requires a break, whether it is for a few hours or a few days. If you are just getting started with in-home care, this is an excellent way to test out other caregivers and agencies.
Part-time care is regularly scheduled either a few hours a day or just a couple days a week. You can use this service for household chores such as shopping for groceries, cooking meals, laundry, and light cleaning. Part-time care is an option for seniors who don’t need a significant amount of medical care or assistance but can’t live independently without a little help around the house.
Full-time care provides the typical 40 hours a week schedule. This schedule is best for seniors that need all-day companionship while the family is working. Another option for this care is to provide overnight assistance for bathroom breaks and medication, which will likely reduce falls.
Live-in care provides care 24/7 and usually consists of more than one caregiver (one in the daytime and another at nighttime). This care is suitable to help seniors stay home who would most likely need to live in a nursing home.
You can decide to partner with an agency or hire help on your own. Agencies may cost slightly more but they provide the benefit of handling taxes, payroll, insurance, and licensing. Plus, an agency can also send another person with an aide’s unexpected change of schedule.
If you have a friend or relative that you feel would be a suitable caregiver, hiring them may be an option. Also, if you want to hire directly, you can ultimately choose the health aide since you are the boss. However, you will need to handle taxes, accounting, and insurance, so keep that in mind.
When starting your search, check around for referrals or online reviews. The Better Business Bureau is a great resource, and you can review grades and complaints.
If your doctor has written you a script for home health care, your long-term care insurance might pay for some of the expenses with a home health aide. Seniors with minimal assets and income may qualify for North Carolina’s Medicaid program. Wartime veterans (and also widows) may be entitled to a VA Aid & Attendance pension for help paying medical bills. These benefits and policies may also pay your family member for care if he or she is a primary caregiver.
If you own your home and aren’t eligible for benefits or have a long-term care policy, you can consider a reverse mortgage using the equity in your home to pay for care. You can also cash out a life insurance policy for a lump sum. However, these two options do have tax and inheritance implications, so be sure to do your research and talk to your attorney or financial planner.
Find assisted living in Greensboro near you.