We fail our old people and it's heartbreaking - page 8

I recently had a patient who was admitted because a neighbor contacted the police when they realized she was living at home with a few pets in a house with no heat or running water. She's been... Read More

  1. by   llg
    Quote from Ruby Vee
    I got my LTC insurance (currently $36/month) when the companies first started offering it. I was relatively young then, but the premiums haven't gone up that much.
    I also bought my LTC insurance the very first year that my employer offered. I was only 48 at the time. (See previous post.) I am now 62 years old and the inflation protection has raised the value of the policy greatly, but my premium has only gone up by 2 or 3 dollars per month. Most companies base their rates on your age. So if you wait until you need it to buy it ... it costs too much to be worth it. You get much lower rates if you buy it when you are young. My premiums remain what they charge today's 48 years olds even as I get older.
  2. by   llg
    Quote from sunny time
    I had a patient with long term insurance in LTC. How is that for justice.
    I don't get your point. One of the reasons you by LTC insurance is to be able to afford a decent LTC. Insurance can't prevent you from needing that type care -- it just helps you pay for it if and when the time comes. That way, you have more choices as to the which facility you live in -- and don't have to bankrupt yourself (and be a burden on your family) to pay for it. But if you need that type of care, that is still where you go.

    The insurance can help pay for home care, too, if that type of care is right for you. But even with insurance, home care is not the best choice for everyone.
  3. by   FranEMTnurse
    Quote from VivaLasViejas
    Someone asked me once when I thought it would be a good time to die. I said, "Five seconds before my feet cross the nursing home threshold." Seriously, if I ever get to the point where I need to be turned and changed every two hours, to be fed by hand, to be unable to do anything for myself, I hope the Lord will take me home. Sometimes there are things that are worse than death; for me it would be life in an LTC.
    I'm with you all the way, Marla, and I have made it known to both of my daughters and to my doctor.
  4. by   Sour Lemon
    Quote from FNPOwlGal

    And why are we acting like LTC is a fate worse than death? I know of many fine LTCs and assisted living facilities. They take excellent care of their residents.
    I don't necessarily want other people to take "excellent care" of me and keep me alive to age 100. I'd rather live my life independently and exit quickly when the time comes.
  5. by   llg
    Quote from Sour Lemon
    I don't necessarily want other people to take "excellent care" of me and keep me alive to age 100. I'd rather live my life independently and exit quickly when the time comes.
    Me too ... but I know I can't totally control that. So I am making plans for a variety of possible end-of-life scenarios.
  6. by   NutmeggeRN
    Quote from bikegirl
    Can someone be "of sound mind" but not physically able to take care of themselves?
    Of course.
  7. by   dogmom2016
    Oh, this is so sad and right on track. With our population aging like it is this story will become more, instead of less, common. We need to work to fix it! Is there a service in her area that she could hire to come in and help her daily? I've seen ads on television for home care helpers to do errands, cleaning, meals, walk the dogs, etc. Also, contact the local Aging and Disability Resource Center as providing resource referrals, setting things up, respecting people's wishes, is what they do. Thanks for the post, JBMmom.
  8. by   Coloradonurse1983
    When I took care of my mom, HH only was covered by insurance for rehabilitation. It was for short term only. It did not cover HH for daily cares. It's was skilled nursing or nothing.
  9. by   Oldmahubbard
    It's a question of realistic advanced directives, and extensive financial planning. An hour or two, here and there, of home care is typically a tiny drop in the bucket, and often not covered.

    Due to the costs involved, I don't see it changing anytime soon.

    A little home care would not have helped the OP's situation.

    Most home care allows a full-time caregiver, usually a daughter, brief respite to run out to the supermarket for a couple of hours.

    Even if it were 4 hours a day, 7 days a week, that would still leave 20 hours each day to cover.

    And the agency has to make money.
  10. by   dragonheart
    There are elder support/care options in every state. The question is how do elderly/representatives8 who need /require those services learn about/access them?
    I didn't learn about these options and how ro access them until I started working in the elder care regulatory setting.
    Information is often available at grocery store and library entrances and yes, on each state website.
    Marketing and knowldege are a research challenge at best
    How is no ti know that local county/city resources are a phone call away:
    ombudsman, hospital social worker/discharge planners , place of worship wellness aministry teams ...
    Opinion: Ressarch and outreach opportunities abound -The need is for increased awareness programs in areas where those who need the information can hear/learn about Assisted Living, Adult Medical Day Care, PACE, Medicaid Waiver, religious based community outreach support ....

    Ideal: Nursing schools would expand intern/practicum experiences to include these sett!ings , advanced degree( masters, doctoral) research in elder care settings (Assisted Living , Adult Medical Day Programs since these are the programs already in plac e to serve people like the woman described in this communication - to decrease isolation, increase socialization, and maintain ability to live in community setting
    There has little research to date to follow up on how these programs are working , is access a problem/concern, initial vs current nursing care needs, medication management/errors related to staff education, transition to / lack of electronic health re cord and timely access to hospital, clinic, home health/hospice reports .....interdisciplinary collaboration/commumication challenges, ....medication reconciliation, verification, quality assurance specific to these settings to name a few leading edge opportunities for nursing in the area of elder/senior/geriatric care, including what message does the verbiage we use convey to prospective clients/residents/participants in these state regulated programs
    Argentum/ National Association for Assisted Living a and Adult Medical Day Care are beginning to collaborate with Universities and colleges recognizing that we are on the leading . bleeding edge of health
    and life safety evidence based practice opportunities presented by the continuum of aging in place( at home,
    in Continuing Care Residential communiities [CCRC], Assisted Living Facities [ALF], supplemented by Adult Medical Day [AMDC]....
  11. by   Horseshoe
    Quote from sunny time
    I had a patient with long term insurance in LTC. How is that for justice.
    What in the world are you trying to say here?

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