Phoenix is both a tourist and retirement destination. If you are looking for an area with 299 days of warm sunshine, then Phoenix is the city to live. The large city offers over 1,395 senior care providers and services. In-home care agencies and providers account for almost 100 of these services.
With so many aides and homemakers in the Phoenix, Mesa, and Scottsdale area, you shouldn’t have any problems finding a caregiver that can work with your loved one around your schedule. Payment options make hiring a caregiver for in-home care affordable, including a benefit for veterans.
In Maricopa County, seniors make up 13.8 percent of the population.
The county is home to over 268,000 veterans.
The Phoenix, Mesa, and Scottsdale area employs over 11,000 home health aides.
The annual mean wage for home health aides in Phoenix is $23,110, as of 2015.
According to the Genworth 2015 Cost of Care Survey for Arizona, the median hourly rate for a homemaker in the Phoenix, Mesa, and Scottsdale area is $20. A homemaker can provide assistance for chores, meal preparation and cooking, as well as conversation. Homemakers are often the first step into in-home care.
Home health aides provide the above services, but are certified and trained to check vitals such as your loved one’s pulse, blood pressure, and blood sugar. They can help your loved one with activities for daily living (ADLs), including dressing and bathing. A home health aide in Phoenix and the surrounding areas run on average $20 per hour or $46,332 per year.
With so many home health aides in Phoenix and the surrounding areas, you can find one that will work around your schedule and your loved one’s healthcare needs. An aide can work part-time to deliver care only to manage and administer medication. You can hire a full-time caregiver to work the same hours that you have to work outside the home.
When you or your regular caregiver get ill or needs time off, you can find an aide that will deliver respite care. This care can last from a few hours to a few days. Many agencies will send an aide out on short notice for emergencies.
Live-in caregivers are available if your loved one requires intensive around-the-clock care, like the kind required for Alzheimer’s disease patients or seniors with hospice care.
Using an in-home care agency takes the pressure off of you to find a reliable caregiver. These aides are trained, certified, insured, and bonded. Agencies perform background checks and handle all of the employee details. The other options are hiring a caregiver outside of an agency or hiring a friend or family member to provide care.
If you choose to hire on your own, ask for references and check each one. Think about doing a background check on any caregivers you are seriously considering. If you are not familiar with the tax laws or business operations of hiring an employee, seek advice from an accountant or tax professional in Phoenix.
With so many veterans living in Maricopa County, the VA Aid and Attendance pension may be a relief for your loved one if they served as active duty during war time. The benefit covers in-home care for both the veteran and their surviving spouse. Contact the Veterans Administration to learn more.
The Arizona Health Care Cost Containment System offers the Arizona Long-Term Care System (ALTCS). This Arizona Medicaid Program covers in-home care for low income seniors. The application review process takes 60 to 90 days, so apply as soon as possible if you think your loved one may qualify.
Seniors can use funds from checking and savings accounts, retirement accounts, IRAs, and trusts to pay for care. Seniors that own their home in Phoenix can take out a reverse mortgage to pay for care. Seek counsel from an elder-law attorney before agreeing to any loan terms.
Long-term care insurance policies can be used. You can also cash out life insurance policies early for a percentage of the total value (usually 50 to 75 percent). If the company will not buy back the policy early, you can go through a third party. The third party company will pay you the 50 to 75 percent of the value of the policy and continue making the payments. In the event of your loved one’s death, the third party becomes the beneficiary. Speak to a senior planner to learn about more payment options.
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