Importance of a Social Worker

Oftentimes when we think of social workers, images of those who work to get children out of unsafe or less than ideal conditions may pop into our heads. But it isn’t only children that social workers assist. No, in fact, there are social workers who specialize in the field of the elderly population as well.

The field of geriatric social work has indeed grown right alongside the aging population. In a report by the Administration on Aging, those people 65 or older made up about 12.4% of the population in 2000, and that number is expected to rise to 19% by 2030. That accounts for a total of 72.1 million people.

Because of this, those whose calling is in elderly social work focus on helping those individuals and their families, and the communities too. A geriatric social worker isn’t what it might sound like at first. Instead, a geriatric social worker specializes in dealing with those people 65 or older, like we mentioned above. They also often have graduate-level education and field experience in the areas of geriatrics, gerontology, aging or social work with older people.

They work to take care of a number of issues that older adults and their families have to put up with, and also the many social and environmental changes that go along with getting older. Let’s take a look at what that includes right now:

They can help you get through the mountains of paperwork and confusion that come from health care or other social services. In particular, they can help with clinical interventions for someone who is lonely or who suffers from depression or anxiety. They also serve as a link between clients and the numerous programs—both public and private—that may be available to them. They are a source of advocacy, and can give clients an Advanced Directive form and show them how to complete it, and geriatric social workers are often a first line of defense against elder abuse.

Those families in a caregiving situation right now can be greatly helped by geriatric social workers too, since they offer direct assistance to families through things like family-support services, suggesting useful technologies, and coordinating medical care. They can also provide counseling services dealing with end-of-life issues, bereavement, or any other concerns that seniors or their families could have. They are a go-between for elders and their families and the health care staff, and work to keep families apprised of their loved one’s conditions.

They can also help in a home care setting as well. Social workers specializing in geriatric care will often coordinate discharge planning from the hospital to home, and will work to conduct home visits to ensure that their client is safe, happy, healthy and living in an environment in which they can thrive. They can also let families know when home care might be inappropriate for an elder, and help with finding assistance or transportation services, or recommend specialized technology for use with in-home care.

Geriatric care managers are trained to be aware of and recognize any abnormal patterns in aging and can suggest when a doctor visit may be appropriate. They can also arrange the appointment or visit. When making use of a geriatric social worker, some elders can live in their own home when, otherwise, they would be put in a nursing home facility.

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.

Aging in Place

If you have done any research into elder care at all, you have probably run across the term “aging in place.” While it might be confusing at first, it’s actually pretty straightforward. All it means is that someone lives in his or her own residence as long as possible as they get older. Specifically, it means that an elder is at a time in life when he or she can have the things they need in life while still keeping the same quality of daily life. That distinction is vital, since many seniors might be mistaken thinking that aging in place will fix things that cannot be fixed simply by staying home.

If you have a loved one that has chosen to stay at home and age in place, your primary goal should be to either maintain or improve on the current quality of life. You can do this by having a solid plan in place that covers the elder, the home, finances, and other things as soon as possible. Then, simply maintain this plan for as long as you can (or as long as is realistic for their situation).

Aging in place is, in fact, a choice, and it means choosing how you want to spend your retirement years, how you want your home set up, and what healthcare choices you’ll have, which types of help are right for you, and finally, what your wishes are for major life events—like sickness, housing transitions, or financial decisions. There are a number of other things to think about too when considering aging in place, and it’s a topic best discussed with family members or other trusted friends that can help you and/or your loved one to come to the best possible decision.

In making these choices, it can provide a sense of control over things like independence, quality of life, and dignity. Chief among everything, though, is that aging in place doesn’t mean that your loved one doesn’t have to do everything on their own—hence making that plan we talked about earlier. Then, when that time comes, you or your loved one can decide how their needs are met, who will meet them, and when.

It’s important to also remember that aging in place is not the right decision for everyone. It’s for those who want to ensure for themselves a quality of life and live it in dignity, responsibly, without placing a burden on family or community.

Those who are currently taking care of an elderly parent can benefit from it too. The best way to help is to work with the elder to make sure his or her needs are being met properly and consistently, and that their wishes are being respected as much as possible.

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.

 

What is a Buy-In at a Continuing Care Retirement Community?

A Continuing Care Retirement Community is a type of retirement community in the U.S. where a variety of care needs can be met within the community—from independent living, assisted living, or even skilled nursing care. While there are many benefits to living in such a community, one of the downsides is the rather great financial cost. An individual could expect to pay anywhere in the range of $20,000 up to $500,000 just in entrance fees—though the exact figure depends on whether you actually purchase the unit.

There are other fees to be aware of, and one of them, the Buy-In Fee, is the focus of this article. While this fee might initially be confusing, it’s really not. All it is, is the cost you pay to buy your unit, though sometimes this isn’t even an option in some communities. Conversely, it’s required in others, as it is in the case of newer models, which often operate quite similarly to condos (which you actually purchase).

In many cases where a Continuing Care Retirement Community involves a buy-in fee, you’ll actually own your accommodations. However, in these situations, things like health care or any other services will be a separate expense.

The exact amount you’ll pay will vary depending on a number of things, such as the location and type of community, the size of the residential unit, etc., but often the cost of the unit will be comparable to any type of non-senior living facilities in the area.

When considering moving to a Continuing Care Retirement Community, there are a lot of T’s to cross and I’s to dot, so:

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.

Leaving a Legacy

We all want to be remembered. It is an innate desire in each and every one of us. When our time comes, we would like to think we will have left behind something of value. We want to leave a positive mark on society and give our family and friends a legacy to remember us by. One of the ways we can do that is through outlining our final wishes in a will or through estate planning and leaving specific things to specific people. At Scott Counsel, we value legacies. We are a law firm committed to helping you and your family preserve all of the good things—material and immaterial—that are left behind.

At the end of the day, the things that are most important to us are not things at all, but people. People matter, and getting to help individuals and families navigate through one of the toughest times in their lives is one of the most rewarding experiences we can have. We want our legacy as a firm to be the fact that we walk in and out of the office each day knowing that we’ve done our best to give our best to the people who need us the most.

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.

Good Facilities vs. Bad Ones

It’s never easy when it comes to making decisions about elder care. This includes the decision to move into a long-term care facility as well. Numerous things have to be considered, even prior to beginning your research, let alone actually making the move into the facility itself. Even the preparatory time can be (and is) a lot of work. Though, our focus isn’t on that part of the process. Instead, we want to focus on what comes next—what comes when you’ve actually chosen a place to move. What makes a long-term care facility good or bad? Let’s find out.

First of all, when visiting the facility, what’s the first thing you notice upon entering? Are there any weird smells emanating from any of the residents’ rooms or any other common areas? If there is, warning bells should be going off, and red flags should be raised if the overall cleanliness of the facility itself doesn’t match the standards you would set for your own home, take caution. If you wouldn’t let yourself be cared for here, it probably isn’t the best place for your loved one either.

Pay attention to the other residents too. Are they happy and smiling, or do they seem lethargic and listless? Is the facility lively or lifeless? If there are no residents you can see, speak up and ask where they are or what they may be doing. Keep an eye out for the employees as well. Are they eager to assist and have a pep in their step? Are they actively trying to help residents participate in activities? Beware of stationary employees or those who act more like a drill sergeant barking orders instead of gently coaxing people into participation. Let’s now look at some questions you should ask:

  • Can the facility meet your explicit needs? Don’t be afraid to be detailed in explaining what they are.
  • What is the cost each month? Are there any added costs for extra help with things like medications or incontinence? Even little things can cost quite a bit extra.
  • Is there a community fee for moving someone in and refurbishing a room? Is it refundable if they don’t want to stay?
  • What kinds of activities does the facility offer?
  • Are religious services held on or offsite?
  • What’s the ratio of caregivers to residents. There should be no less than 1 to 15 for assisted living and 1 to 8 for memory care.
  • What conditions would cause a resident to move to another care level?
  • Are there regular visits by physicians?
  • What sort of Alzheimer’s or dementia care training do staff members receive?
  • Is the facility licensed for dementia care, and do they have a special unit for those patients?
  • Do dementia patients have a daily routine? THEY SHOULD.
  • Question the residents about life at the facility and whether they enjoy living there. You can ask any friends or family who may be visiting as well. However, it’s important to trust your gut. If something seems off, it likely really is.

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.

Using Home Equity to Pay for Long-Term Care

Owning your own home can be a wonderful thing, and it’s certainly an accomplishment, but it also has a lot more perks than you might initially think. For example, owning your own home provides you with an asset that you can borrow against when you need help paying for long-term care. Elderly adults are able to use their home’s equity to pay for any necessary long-term care. This can work to get rid of a lot of pressure on other family members and help provide adequate care to older adults as they continue to age.

Most conventional home equity loans are used to pay off things like any existing debts, mortgages, or make any home repairs. Although, the home equity isn’t completely free, since you have to pay the loan back with interest on top of that.

Conversion Mortgage Loans

The HECM (Home Equity Conversion Mortgage) reverse mortgage program, put in to place by the Federal Housing Administration, is a government program designed to help elderly homeowners get to and use the equity in their homes. While the program operates in much the same way as a conventional home equity loan, there are a number of options for payment available to you, and each one is in place to meet a specific need:

  • Tenure—This offers equal monthly payments for as long as the person borrowing remains alive and keeps the property as principal residence.
  • Term—It requires equal monthly payments, like a tenure plan, but these are made for a fixed period of time, specified by the borrower.
  • Line of Credit—Different from tenure and term plans, these plans allow for unscheduled payments at a specific time stated by the borrower, as well as in the amount the borrower requests until the line of credit is no more.
  • Modified Tenure—This combines both scheduled monthly payments and unscheduled payments on demand, but only so long as the borrower keeps their home as the primary residence.
  • Modified Term—This option combines scheduled monthly payments and unscheduled payments on demand for a fixed period, as determined by the borrower.

Requirements and Costs for HECM

  • Must be over 62 years of age.
  • Must have current mortgage either paid off or paid down by a good amount.
  • Must keep home as the primary residence to qualify for the program.
  • Must not be delinquent on any federal debt(s).
  • Mandatory counseling is required in a consumer education session

In these counseling sessions, you won’t just go over eligibility requirements and provisions to repay the loan, but also the financial effects of an HECM loan, as well as alternatives available for those who might be better off with other means of funding. These types of loans often come with a variety of fees and service charges too, though a majority of the costs of an HECM loan can be dealt with through any proceeds from the loan itself. This is good for older adults since they don’t have to pay any out-of-pocket expenses. These fees and charges include things like any initial and annual mortgage insurance premiums, an origination fee, various services fees, third-party charges, and interest on the loan in particular.

The origination fee is normally the most expensive of those. This fee is charged by lenders as compensation for processing the loan and can range from up to $2,500 for those homes valued at less than $125,000 to two percent of the first $200,000 of a homes’ value plus one percent of any amount over that number. It is important to note that these fees are capped at $6,000.

Important Questions to Ask

Making use of your home’s equity to cover any long-term care costs you have is not something you should rush into doing. Before making the final decision to use a HECM loan (or any other type of home equity loan, for that matter), potential borrowers should ask themselves the following questions:

  • Do I want to make use of the equity in my home to pay for long-term care costs?
  • Will the approximate value of my home help to cover any care costs well enough when I take on a reverse mortgage?
  • What are any potential drawbacks or consequences of a reverse mortgage?
  • What is the first thing that should be done to take care of long-term care costs after unlocking home equity?

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.

Deciding Between Home Care and Institutionalized Care

When trying to plan out the care of an elderly loved one, numerous things can come up that need to be taken into consideration. For now, let’s look at some of the questions you should ask, and some of the differences between home care and care at assisted living facilities and nursing homes.

First off, when you’re thinking about which services to use, an outline of your loved one’s specific needs would be beneficial. List those concerns and write out answers to them. Some questions that you can ask to assist in this process include:

  • What type of help does my loved one need to be able to live as independently as possible?
  • What are his or her healthcare, nutritional requirements, supervision, companionship, housekeeping and transportation needs?
  • How much money is allotted to pay for these services?
  • Will insurance cover any of them?
  • What days and times do they need assistance?
  • What can I, as a family member or friend, do to help them?

Now, let’s look at some differences in the different types of health care.

Home Care

This service is provided either by professionals or family members. Professionals can give care ranging from several hours a day to 24/7 care, entirely depending on the needs of the patient. For those who just need help with daily tasks, home care is nothing more than helping with common chores. Others might need help with medications, injections, or other medical help. In these situations, certified health training is required. Home care takes both a level of healthcare and supportive services to help with the individual who is homebound, sick, or disabled, but who is living at home safely. The hours, types of care, and level of care given varies by providers.

Independent Living Facilities

This type of facility allows elders to rent condos or an apartment on a community campus. On campus, there are services that provide a wide array of socialization options, and for those who are in good health, a major benefit of these is that they allow the person to stay socially active and lessen chances of social isolation or depression. Healthcare services aren’t normally provided here, so this isn’t the best option for those with major health issues.

Assisted Living Facilities

These are very similar to their Independent cousins except for the fact that an assisted living facility provides basic health services, while ILFs do not. Residents at this type of facility live independently in their own apartments but also have access to help when needed, as there are personal care staff on-hand to help with any common chores. No skilled nurses are normally on-site, so the types of health care services provided here are often limited.

Nursing Home Care

When a person requires 24-hour care, he or she is normally moved into a nursing home, where they can get care for major medical needs from a variety of medical professionals. Residents might see RNs, LPNs, doctors, and therapists daily. Nursing home residents often live in a room on facility grounds and share them with other residents. Other needs and services provided include things like housekeeping, laundry services, meals, and recreational opportunities.

It is important to remember that the right decision to make is one based on the person’s specific needs as well as what is financially feasible for the family.

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.

How to Know Your Personal Needs Allowance

A Personal Needs Allowance (aka PNA) might be another unfamiliar term for you. It can be confusing, but it doesn’t stay that way if you know what it is and what it does. Let’s take a look and clear up any confusion you might have right now:

What is a Personal Needs Allowance (PNA)?

It’s exactly what it sounds like it is: a standard amount of income than an institutionalized client can use for things like housing, clothing, personal items or other incidental things. The personal needs allowance might also be referred to as the Clothing and Personal Incidentals (or CPI). It is taken from the client’s countable income when determining the cost of care responsibility.

How is PNA Determined?

The PNA is determined according to the client’s living arrangement, any authorized services, and marital status. If someone is in multiple settings per month, the personal needs allowance that is used in the cost-of-care evaluation will be the highest PNA the person was eligible to receive at any point throughout the month.

 

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.

Healthcare Assessment and Evaluation

A health care assessment may be necessary to help you get the proper assistance and care that you’ll need later in life. It may also be called an “assessment of need.”

When you go for the assessment, oftentimes there will be a specialist (normally an occupational therapist) who will look over your specific needs and discuss them with you. In doing so, they ensure you receive the correct, best support you need wherever you need it. Needed services might include things like healthcare, equipment, help in the home, or residential care. The assessment should show which needs are vital, and show any risks you run if you weren’t getting help. If need be, the local health and social services teams will put together a support package for you and talk about it with you, and also write up a care plan. This may include services from both private and voluntary organizations. If other services are required, such as housing or benefits advice, you will be able to get in touch with any necessary local services.

Some services and support you could receive include the following:

  • Home care help with things like cleaning and shopping
  • Disability equipment and adaptations to the home
  • Day centers to give you or your caregiver a break
  • Day care for your child if either you or they have a disability
  • Residential care or nursing home care

If you’ve gone through the assessment and it’s been determined that you require help from social services, you could potentially get direct payments to choose and purchase them on your own. Otherwise, you can get them directly from your health trust.

You should be aware that a great many people’s health and social needs change over time. You should make it a point to regularly review your plan, and it should be done at times or intervals that have been previously specified in the care plan or at any other time it is deemed necessary to do so.

If you desire to be reassessed thanks to a change in your needs, you’ll need to contact your local trust.

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.

Family Support for Long-Term Care in the Home

Caring for an elderly loved one can be a huge undertaking. You want to care for your loved one, but the task may prove to be too much to handle if caregivers are not receiving the support they so desperately need. That’s why it is vital that all available family members who are willing to help actually do so. That means switching up tasks or asking to watch someone while another family member takes a much-needed break. It is important to remember that the care recipient isn’t the only one who needs looking after. It is just as important (if not more so) for caregivers. Also, finding and joining a caregiver support group in your area can be a great way to get encouragement and support from others who are also going through the same experience. Scott Counsel can help you find any caregiver support group(s) that may be in your area.

Remember: If a caregiver isn’t properly cared for and supported themselves, the loved one they’re trying to care for isn’t going to receive the level of care he or she needs either.

If you or someone you love needs assistance with Elder Care law issues, call 856-281-3131. Let us help ease your stress and give you a plan.