Uncategorized Archives - Page 2 of 3

June 14, 2018June 14, 2018 by Anne Tumlinson

3 Resources to Ease Caregiver Money Worries

In a recent survey, AARP found that about three-quarters of all caregivers spend, on average, 20 percent of their household income on caregiving.

This is on top of the estimated $470 billion in unpaid care that they provide; and doesn’t include the potential lost income due to work-related strain that over half of caregivers report.

It’s clear that caring for a family member creates a financial hardship for many, and even a catastrophe for some; especially when caring for someone with dementia or Alzheimer’s Disease.

If you’ve experienced it, you know that there’s nothing worse than feeling financially strapped! Especially if you’re also feeling overwhelmed by caregiving responsibilities. So, if you are facing economic strain because of a caregiving situation, here are a few organizations that may be able to help.

May 10, 2018May 10, 2018 by Anne Tumlinson

What Caregivers Really Want Their Friends to Know

Remember when your first friends entered parenthood and you thought they seemed so boring and self-absorbed.

And, then… you had a baby and you got it?

Well, that’s happening again. Only this time, it’s because some of us have started taking care of our aging parents. And others are wondering what happened to their fun friends.

The truth is, caring for aging parents is an experience that’s hard to relate to unless you’re going through it. None of us can easily imagine just what life is like with a parent who needs help doing the simplest things like eating, getting in and out of bed or god forbid, going to the bathroom.

in Common Challenges / Feeling Guilty / Feeling Overwhelmed / Uncategorized 31 comments

July 20, 2017July 5, 2018 by Anne Tumlinson

Ending Loneliness in Caregiving

Other than death of a loved one, few things are more disorienting than making the shift from being cared for by your parents to caring for them.

This transition is made even more challenging because it usually comes as such a surprise. And it’s not just the biologically wired blind spot we have against our parents’ vulnerability. It’s the utter shock that, when it happens, there’s no place to turn for help. It’s like trying to climb a rock face without any toeholds or crevices where you can grab on, and then scaling it without a net.

The problem with our aging system is that even though there’s a lot of information out there to help, the situations most caregivers confront are so incredibly complex, unique and specific (e.g., Why won’t rehab providers accept my Dad?) that they can’t find exactly what they need. Or they want the one exact right answer to a very complex question that doesn’t have right answers.

April 19, 2017November 2, 2017 by Anne Tumlinson

Don’t be Surprised by Medicare’s Out-of-Pocket Costs

My friend Quentin Fottrell is the Moneyologist columnist over at MarketWatch. He recently shared with his facebook group a reader question about whether a woman should help her 75-year-old sister with medical-related credit card debt.

Two commenters asked, “Why does she have medical costs? Isn’t she on Medicare?” They thought that Medicare covered most healthcare costs for older adults.

Unfortunately, this simply isn’t true. While Medicare is the primary health insurer for most older adults, it only pays a part of the healthcare bill. There are three kinds of out-of-pocket costs that we face!

in Medicaid / Medicare / Paying for Care / Resources / Uncategorized 2 comments

March 1, 2017April 24, 2018 by Anne Tumlinson

Throwing In The Towel: The 6 Most Important Questions to Ask When You Want to Quit Caregiving

I don’t know anyone who feels like they can just up and quit taking care of a loved one who needs it. The very nature of this role is that it’s not something you choose.

That doesn’t mean that we don’t often, or even always, wish we could get off the caregiving train. The work’s not fun. It’s unrelenting, hard and requires tremendous sacrifice.

Often in life, quitting can be a healthy thing to do… ending a toxic relationship, leaving a miserable job, or even moving on from a comfortable career so that you can do something more rewarding.

But, there are also times when we, either can’t or don’t really want to stop. We just need to find some way for the pressure, fear, and exhaustion to ease up a little.

If this is your situation, here are 6 questions you need to ask yourself.

in Common Challenges / Feeling Guilty / Feeling Overwhelmed / Navigating Change and Letting Go / Uncategorized 19 comments

October 26, 2016October 26, 2016 by Anne Tumlinson

3 Medicare Benefits You MUST Know About

“What do you mean Medicare doesn’t cover this?” My friend Sarah was caught off guard when I told her that her parent’s health insurance program doesn’t cover her parents’ care.

What I explained is that there’s a lot Medicare doesn’t cover and one of the biggest gaps is the ongoing, long-term care that people need when they become frail or disabled.

This care is expensive! Hiring someone to help with cooking, laundry, transportation or personal hygiene can cost around $20 per hour!

So what do families do? Well, one of two things. They pay for this care out of their savings… or much of the time, DAUGHTERS PROVIDE THE CARE THEMSELVES.

In fact, new research shows that most of the really frail older adults in this country don’t live in a nursing home. Most live at home and the vast majority — 2/3rds to 3/4s — are being cared for ONLY by family members — unpaid.

in Common Challenges / Medicare / Navigating Change and Letting Go / Paying for Care / Uncategorized 4 comments

October 13, 2016November 11, 2020 by Anne Tumlinson

3 Reasons You Might Not Be Getting the Help You Need

It’s 5 am on a Saturday morning and I’m lying awake with that cold, sweaty, anxious feeling that comes from deep existential angst masquerading as too many things to do. I know something has to change – that there’s GOT to be another way to look at my life..to live so that panic isn’t my default emotional channel.

One of the good things about being almost 50 is that I can look back on the last 20 years and realize that being anxious all the time doesn’t change much, regardless of what I’ve got on my plate. In other words, my responsibilities have always felt like too much, even when I was taking math tests in 5th grade.

in Common Challenges / Feeling Guilty / Feeling Overwhelmed / Uncategorized 11 comments

September 29, 2016September 29, 2016 by Anne Tumlinson

3 Powerful Ways to Avoid the Hospital

Americans have a love affair with hospitals.

We tend to think of doctors and nurses as the people who were working hard to make good grades while the rest of us were skipping class. I am pretty sure my brilliant, doctor friend Heather was walking around with a stethoscope at age four while I was still sticking Play-Doh up my nose.

This romantic affection for hospitals is not entirely misplaced. There are zillions of people who need life-saving surgery and who live longer because a hospital was able to treat them effectively. ERs in public hospitals handle an onslaught of some of society’s toughest cases; drug addiction, mental illness, and homelessness.

But, you don’t want to start your caregiver journey in a hospital.

in Assisted Living / Common Challenges / Feeling Overwhelmed / Paying for Care / Uncategorized / Your Parent's Hospitalization 4 comments

September 14, 2016March 22, 2018 by Anne Tumlinson

4 Things You Must Know When Picking a Home Care Agency

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.

in Uncategorized 11 comments

August 3, 2016January 25, 2018 by Anne Tumlinson

Medicare Therapy Rules Made Easy

Most of us take for granted that we can get out of bed in the morning and do all the things necessary to head out and face our day. You know… the simple everyday things like moving around our house, showering, getting dressed and eating breakfast. I might be a little foggy most mornings but I don’t think about whether I’ll face an enormous challenge in measuring out the coffee or pouring the milk. The point is the routine is just that…routine.

But if your parent is frail, you know that there’s nothing routine about these activities — that for them, doing even the simplest things just can’t be taken for granted anymore.

The mobility and functioning that’s essential to independence and safety suddenly becomes a big effort. And, Daughterhood really happens when we have to get involved in helping our parents do the things that they can no longer do by themselves. This is when their lives and ours get hard.

in Assisted Living / Common Challenges / Home Care / Medicaid / Medicare / Paying for Care / Resources / Uncategorized / Your Parent's Hospitalization 53 comments