At a certain point in your life, you realize that you aren’t able to do the things that used to come with ease. Daily chores become a hassle or in some cases dangerous and when this happens, it’s time to start thinking about senior care and explore your options. There are so many more choices now than there used to be and you can customize a care plan that will fit your needs, budget, and schedule.
Minneapolis care tends to be a little less expensive than the rest of Minnesota and fairly in line with national averages so it’s not too hard to find options that won’t hurt your wallet.
A private room in a nursing home costs an average of $91,250 in the U.S. in 2015 and here in Minneapolis, that cost was $94,900. A semi-private room took that cost down to $82,125 in Minneapolis. For assisted living, the national average was $43,200 and the Minneapolis average was $46,140.
If you wanted to look for care in your own home, you could expect to pay between $58,00 to $60,000 per year. While these average costs seem quite high remember they are just an average. You can find places in Minneapolis that are much less than this or much more expensive. The cost will also depend on the type of care or services you decide to use.
As more people retire and age, more types of senior care options emerge. You have a wide variety of services and programs you can take advantage of in Minneapolis and here we’ve compiled a short guide to the different kinds of care.
If you want to stay in your home, you can get all the care you need to come to you.
Homemaker Services- There are a growing number of companies, like Direct Home Health Care, that are offering these services. If you need help around your house with things like cleaning, cooking, personal care, or running errands, these professionals will be able to help you.
In-Home Health Care- Along with help around the house, you can also find services that will take care of medical needs in your home. A company like Synergy Home Care here in Minneapolis will have trained medical professionals come to your house to take care of things like administering medication, wound care, and recovery treatment after a surgery.
Adult Day Care- This option gives your regular caretaker a rest while you still receive care and supervision. Ebenezer Care Center has an adult day care program that offers socialization and stimulation to keep you healthy and cared for.
Independent Concierge Services- If you don’t need around the clock care but would like a little help with a few chores, you can turn to the internet to find independent concierge services. Search a website like Amazon Home Services to find people to help you clean out your garage, mow your lawn, and even pick up your groceries.
Before you choose a program or person to provide you with care, you want to make sure that you ask plenty of questions.
Are all employees bonded and insured? Are all health care workers properly licensed? Do the companies perform background checks on all employees? Is it possible to come up with a back-up plan for care in case of an emergency?
Your other option for care is to move into a new home or community to get everything you need. Here are a few of the choices you have when it comes to this type of care.
Independent Living- This option gives you the most freedom. You live in your own home in a resort-like retirement community and can still continue with your daily active schedule.
Assisted Living- If you would still like a certain degree of freedom but do need help with a few things, then assisted living is a good choice. You can still have your own home or apartment but will get the help of staff to prepare meals, get dressed, or do things like laundry.
Nursing Homes- If you need medical attention throughout the day, you might be better off in a nursing home. Doctors, nurses, and medical specialists on staff can monitor your condition and provide medical attention whenever it’s needed.
Dementia Care- Patients with Alzheimer’s or other forms of dementia often need a special facility that can directly cater to their needs. These places are calm, relaxed, and more secure than a typical nursing home to prevent wandering.
The best way to find a place that is right for you is to come up with a list of your needs and wants as well as any questions you have. Here are a few to get you started.
What are all of the services included in the cost? Are there extra services that you can receive for an additional fee? What are the rules on things like pets or overnight guests or independent concierge services? Can you take a tour of the place and interact with the staff and possibly eat a meal in the cafeteria?
Now, how can you pay for all of these options? There are a few options for payment such as Social Security benefits or possibly long-term care insurance if you already have a policy. You can also see if you meet the requirements for Medicaid and have them cover a portion of your costs. If you are a veteran or a widow of a veteran, you can check your local office to see if your VA benefits will contribute to your long-term care. You could try things like cashing out a life insurance policy, selling or renting out your home, and getting a reverse mortgage, but make sure you consult with a trusted financial advisor first.
If you’re looking for another way to spend your free time, consider volunteering in your community. Minnesota has their own Senior Corps that matches volunteers 55 and over with various opportunities throughout the state. You could be a companion to an elderly person, become a foster grandparent, or plenty of other options.
Find assisted living in Minneapolis near you.