Just 40 years ago, there were 97,000 residents over the age of 65 in the Rochester community. Today, this number has skyrocketed to over 145,000. This is a number that is also going to continue to grow, which means the number of people who are going to need some level of long-term care, including in-home care, is also going to continue to go up.
Getting to know a little more about the in-home care landscape in Rochester can help a senior and their family make an educated decision about their long-term care needs.
At some point in time, more than 70 percent of individuals over the age of 65 will require some type of long-term care.
By 2030, it is estimated that there will be more than 1.3 million people over the age of 65 in New York.
The population of immigrant seniors is the highest at 68 percent.
On average, the cost of homemaker services in Rochester is $23 per hour. Annually, a family can expect to pay around $52,624. Homemakers provide companionship for seniors, help with activities of daily living such as getting ready and running errands, and they can also provide light housekeeping services.
Home aides are considered skilled in-home care providers and can offer all the services provided by homemakers. They can also help with medication, mobility devices such as wheelchairs and walkers, and even change the dressing on wounds or surgical sites. The average cost of care for these services in Rochester is not much higher than homemakers. On average, a home aide will cost $25 per hour and a family can expect to pay around $56,925 annually.
When it comes to finding the right level of care for a senior, there are quite a few considerations a person or their family needs to make. Some questions to ask to make the right choice include the following:
Does the senior require help with daily activities, such as getting dressed or driving?
Do they enjoy being active?
Are they looking for companionship or prefer to live alone?
Answering these questions can help a senior, and their family, choose the best care arrangements for their needs. In some cases, a homemaker will be needed, but in other situations, the senior will need help with an illness or disease, and require the services of a home aide.
There are a number of factors to consider when looking for a quality in-home care provider. For those who have no prior experience searching for this type of service, it may be a good idea to utilize the services of a senior advisor. This is a person who is familiar with the local area and who can be used, at no cost to the searcher, to find an in-home care provider that meets their needs.
Another option is to ask family and friends about the services they are familiar with. They can be an excellent source of information and help ensure that the best service for the senior in question is found. Take some time to call each in-home care service, ask questions, and get a general “vibe” prior to making a decision.
When an in-home care provider is found, an issue that many seniors and their families face is trying to pay for the care. Some seniors and their family take a serious financial hit trying to pay for this type of care. The good news is that there are a few programs in the area of Rochester specifically designed to help cover these costs.
Assistance from the State of New York- In New York, there are two different programs that are offered for low-income seniors who are not able to qualify for Medicaid coverage. Each program offers some type of financial help to cover long-term care costs for seniors. One of the programs is EPIC, or The Elderly Pharmaceutical Insurance Coverage, which helps to cover the cost of prescription drugs. Another is Expanded In-home Services for the Elderly Program, EISEP, which offers help for seniors who remain in their home.
Medicaid Programs and Waivers- Medicaid is also offered for seniors who are able to meet the financial requirements. There are a number of waiver programs that are offered as well to help and cover the living expenses of seniors who need the care that is offered by an in-home care provider.
Other Options- Seniors who do not qualify for any of the state or government sponsored programs may consider looking into a reverse mortgage, or even selling their current home and using the money to pay for their long-term care needs.
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