As a person ages, there are a number of reasons they may require long-term care. From not being able to remember things as well as they once did to needing assistance to activities of daily living. While they don’t need the services of a nursing home or assisted living facility, they still need assistance.
While many seniors in Washington DC receive care from a family member or friend, this is not always an option that is possible. This is when in-home care services can be beneficial. There are several in-home care providers available in this area, and learning a bit about the options can be beneficial.
When you begin searching for in-home care providers in Washington DC, you will quickly discover there are two basic options to choose from: 1) skilled care which can provide medical treatment, and 2) unskilled care which offers help with activities of daily life. Considering the needs of the senior who is receiving the care will help determine the right type of in home care.
There are quite a few options in the Washington DC area, including Health Management Inc. and Home Care Assistance. These services offer seniors in the community with day and nighttime care services, as well as respite care services for family members, and more to ensure a senior has the care they need when they need it.
One of the most appealing aspects of using in-home care is the fact that they are available when the senior, or family members need them. The home care services offer a number of benefits, including:
Respite care services for a few hours throughout the day. 24/7 care for a senior loved one. Daytime or nighttime care services.
The family of the senior can create a schedule that works for them. This provides peace of mind that their senior loved one will be cared for, even if they are not able to be around. This is especially beneficial for family members who may not live nearby.
There are a number of resources for seniors and the families of seniors in the Washington DC area. One beneficial resource that can provide all types of information is the DC Office On Aging. This organization provides citywide services and resources to help seniors remain independent in their homes. . Another resource that may be beneficial is to utilize online delivery or concierge services in the Washington DC area. For example, there are several grocery and meal delivery services in the area including Giant’s Peapod, Safeway, and Harris Teeter's Express Lane. Some of the other services that can be handled by someone else include walking dogs and delivering laundry.
In-home care providers can be hired through an agency or personally. While some people feel more confident hiring an in-home care provider themselves, agencies provide pre-screening and management services to ensure superior customer service is provided for the senior, as well as the families they are serving.
The average cost of hiring a homemaker in Washington DC ranges between $18 and $22 per hour. For a home health aide, the cost is between $19 and $23 per hour. Yearly, this can reach between $45,000 and $50,000. For many families, this is a cost they simply cannot afford alone.
Medicare and Medicaid are options that some people use to cover the costs of in-home care in Washington DC. However, it is important to understand that this coverage will typically only last while a senior is receiving treatment under a doctor’s care. When the treatment is over, the benefits will cease, as well.
An option to consider to pay for in-home care, for a senior who owns their home and wants to remain in it, is a reverse mortgage. In order to qualify for this, they must be at least 62 years old and continue to live in the home. This will provide either equal payments or a lump sum to the senior based on the lender who is used.
Another option is long-term care insurance. However, this is something that must be purchased prior to a senior actually needing to use it. This is why it is a good idea to begin planning for your senior years or those of a loved one as early as possible. It will help ensure that long-term care is affordable and that it does not cause a financial strain.
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