Tag Archives: Transition

Make the Transition from Hospital to Home as Smooth as Possible

Make the Transition from Hospital to Home as Smooth as Possible

A hospital stay for surgery and/or illness can be stressful and daunting. But once you’ve made it through all the poking and prodding, and you are deemed ready to go home, will you be prepared? Getting ready for the transition from the hospital to home is a crucial step in your recovery plan. And you may be surprised to realize that the need for care does not always end, just because you are going home.

You will meet with a hospital discharge planner prior to going home who will provide you with an individualized plan based on your age, lifestyle, prognosis, health history, and level of activity. Below are some important questions to discuss with the discharge planner before making the long journey home.

*Think about the physical attributes of your home, and whether they will be manageable. For instance, are there stairs to climb? Will you easily be able to go from the bedroom to the bathroom?

*Will you need medical treatment at home such as wound care, diabetic counseling, or physical therapy?

*What restrictions will apply to your day-to-day activities? Are you able to drive, bathe, exercise?

*What prescriptions will you need, and what are the instructions for each?

*Is there a special diet you need to be following, or can you return to your normal eating habits?

*Do you have a family member or friend who can give you support at home? Have they been fully informed about your condition, and about expectations for the healing process?

*Are there certain warning signs or complications of which you should be aware? What are some of the problems that would indicate you need to call your doctor or surgeon?

*Are follow up appointments required? Getting clear answers on all of the above will give you a healthy start on your journey to recovery. It is always good to remember that recovery is a process, and it may take more time than you think to regain your strength and return to normalcy. Try to set realistic goals and keep a positive attitude. Some careful planning and a happy disposition will both help tremendously as you move from hospital to home-sweet-home.

Long-Term Care Insurance: A Multifaceted Protection

Long-Term Care Insurance: A Multifaceted Protection

Child care has historically been America’s number one dependent care concern, but this could be changing in the coming years. Over 77 million American baby boomers are expected to transition into retirement during the next ten years. Experts are predicting that this large aging population will cause the number of individuals in need of long-term care services to double during the next 30 years. In fact, some have estimated that there will be more than 14 million Americans in need of some degree of assistance with their activities of daily living by the year 2035. With these numbers, senior care might soon be the new leading dependent care issue.

The average yearly cost of long-term care is anywhere from $25,000 to $95,000, depending on the area of the country the long-term care services are rendered. Many families find themselves faced with paying for these expensive long-term care services out of their pocket if their loved one is without long-term care insurance. While this can certainly be a financial stressor, money to pay for long-term care services isn’t the only concern when long-term care insurance is absent.

Families facing the out-of-pocket cost of long-term care services will find themselves trying to decide between taking their aging loved one into their own home and personally caring for them -or- finding the funding to pay for a professional caregiver or nursing home bed. Most families that don’t have long-term care insurance to pay for services don’t just have $25,000-$95,000 laying around and will ultimately end up caring for their loved one from home. These families learn quickly that this scenario, especially when combined with the responsibilities of dependent children being in the home, has significant physical, mental, and emotional impacts on everyone in the household.

Caregivers that are also trying to hold a job outside the home will often find conflict between their employment responsibilities and caregiver responsibilities. Most will find the balancing act too difficult and end up quitting or getting fired from their job. The resulting missing income will frequently cause families to find themselves financially struggling, if not drowning.

Caring for an ailing or aged loved one is a full-time 24/7 job in itself. Everyday tasks that were once mundane and almost automatic, such as bathing, eating, dressing, and grooming, suddenly become overwhelming struggles that take a toll on the entire household.

Caretakers often find that they devote so much time to their caretaking role that they tend to neglect their own physical and mental health. The caretaker often abandons healthy eating habits, exercise, and leisure activities as there becomes more and more to do and less and less time to do it within.

Sleep is yet another area of life that often changes. Medical and personal needs of the loved one often require the caregiver to get up multiple times throughout the night. Sleep deprivation has been shown to cause a number of health problems. In fact, multiple studies on long-term caregivers have shown that they have more health problems and a shorter lifespan than those without such responsibilities.

All of the above considered, it shouldn’t be surprising that caregivers suffer from dangerously high levels of stress.

Help Yourself And Your Loved One With Long-Term Care Insurance

Planning ahead now can prevent a lot of stress in the future. Some think of long-term care insurance as an unaffordable luxury, but the price of long-term care insurance is minor compared to the price a caregiver and everyone else in the household often pays with their health and financial stability. While planning for a time when your loved one is no longer mentally or physically able to care for themselves isn’t a fun thought process, it’s vital that you plan for long-term care situations to protect the emotional, physical, and financial well-being of everyone involved.

Since long-term care insurance gives your family the ability to afford expensive professional and semi-professional long-term care, you won’t be worrying about the financial side of things and will be free to focus on your own and your loved one’s emotional issues from the transition.

In summary, the multifaceted protection afforded by long-term care is just too important to the health of your family to overlook. An experienced and reliable financial adviser can help your family design a long-term care plan that’s congruent with both your budget and needs.

— Brian Gruss 509-927-9200