Everyone says that they want to stay at home as they age. And, actually most of the frail older adults living in this country today are, in fact, living in a home setting. Really very few live in nursing homes or assisted living facilities.
Now you might think that this is pretty great — our parents want to be at home and we want them at home. The problem, though, is that the vast majority of frail older adults living at home are 100% being cared for by their family and friends. And if you’re the one doing this work, you know that caring for a frail older adult without help is very, very hard.
One way to make it a little easier is to hire someone to help. But, many daughters can’t go this route because one, it’s expensive and two, it’s not covered by insurance. Medicare does not cover the expense of a home care aide — even for very sick people. The program does have a “home health” benefit but it’s extremely limited and pretty much only covers therapy…not ongoing help with basic needs.