This is the first question that seniors and families want to know. But what they are really asking is, can we afford it. So, let’s discuss some options to help you understand the true cost of home care.
"Home is where most people say they want to be. In fact, 87 percent of adults age 65+ want to stay in their current home and community as they age. Among people, age 50 to 64, 71 percent of people want to age in place." Source: The Benefits of Staying Home
One of the main reasons most seniors want to stay in their own home is comfort. Most people are simply comfortable in their own surroundings. And if family and friends still live close by it is no surprise seniors want to stay.
And, are they able to help you or do they also need help? If your friends are the same age or in similar health to you they may not be able to help you. And it may even become harder for you to see each other. Driving may become a challenge as you age.
Also, what about your family? What other responsibilities do your family members have? Are they able to meet your needs? Not hiring home care will come as a cost. And this cost will be felt by the whole family.
Bringing in-home care is one way to help someone remain in their home. Sure, friends and family can help. And they often do. But having a dedicated home care agency will ensure that you get the help you need when you need it. And this will allow your family and friends to fill in a few gaps in between your caregiver visits. Now they can remain friends and family, not caregivers. Therefore, when calculating the cost of home care be sure to factor in the value of friends and family.
“I do not want to move into an assisted living facility. Plus, I want to eat what I want and when I want to. And I don’t want other people telling me what to do or when to do it!” said Claire
Claire is not alone. And we hear this cry often. Maintaining as much independence as possible is important as people age. Furthermore, in your own home, you get to plan your day and your menu.
When moving into an assisted living facility there will usually be a monthly fee. On top of that fee, you will be assessed charges according to your needs. And these needs will be determined by the staff nurse and other team members. This could change from month to month. And if your needs outweigh what the facility can provide
While at home you will decide how much care you need and when you need it. You can have someone come for a few hours a day or week. Or you can hire 24/7 care. In other words, you have a lot of control over the cost of home care.
In a facility, there is usually one caregiver for every five residents. The actual time an assisted living resident receives direct care may only be two to three hours a day. And often a caregiver may be rushed to move on to care for another resident.
While at home, one caregiver is dedicated to caring for you. Furthermore, at SYNERGY HomeCare we care-match our clients and caregivers. This way you have a caregiver that you are comfortable with. Additionally, our clients and caregivers are able to form a bond. And we believe having the same caregiver will give you a higher quality of care. Remember the quality of care in the home you love counts when you are calculating the cost of home care.
In Colorado, the cost for in-home care averages from $22 to $30 per hour. This will vary depending on the amount of care that is needed and how many hours of home care you have each week. At SYNERGY HomeCare of Colorado Springs, we offer a complimentary assessment to determine what your needs will be. And this will help you understand what your cost of home care will be.
Most home care is private pay. However, there may be additional benefits that can help pay for in-home care. The Veterans Administration has an Aid and Attendance program many people are not aware of. Additionally, if you qualify you may be eligible for benefits up to $2230 per month. This will go a long way to helping with your cost of home care.
If you have a long-term care insurance policy you may be able to use it to pay for your home care cost. Some seniors use a reverse mortgage payment to pay for home care. Additionally, there are local resources in the community that can help you.
Your SYNERGY HomeCare owners Brooke and Ian are well connected in the community. As such, they know where to go to help you find the care you need. Furthermore, with a plethora of resources at their disposal, your SYNERGY HomeCare team will make sure you have the help you need.
Contact a SYNERGY HomeCare representative today. Owners Brooke and Ian will be happy to help you find the solution that works best for you and your family.