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TaraG

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Posts: 20
Reply with quote  #1 
Mom starting to get unsteady and confused and I fear shouldn't be living on her own. Of course she wants to keep living at home. People are telling me it's cheaper to hire full-time live-in aides than $5,000/month nursing home, but when I do the math it doesn't add up. Does anyone here have experience with hiring full time aides? Is it just someone who moves into the house - or a separate day person and night person? Thanks
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Splotchy
Reply with quote  #2 
Here is a link that you may find useful:

http://www.eldercare.gov/ELDERCARE.NET/Public/Resources/Factsheets/Home_Health_Care.aspx

We hired aides when my dad had cancer, but it wasn't full time.  This was many, many years ago, but I still remember it being pretty expensive.  We hired people from an agency, and they came in for three or four hour shifts a few times a day.  Some people have around the clock care,  but I've never used it. You may also be able to hire someone independently for less money, but make sure you vet them well.  

If you are in the US and your mother qualifies for Medicaid, there are programs available for in-home care.  A lot of states have figured out that it's cheaper to help elders stay in their homes than to have them move into a nursing home, so you may want to call your local elderly affairs department to see what program are available.  My mother's state, for example, has a program specifically designed for homebound elders. Another sources of help may be your mother's doctor.  When my mom was still living at home, the doctor set her up with aides a few times a week to help with medications.  If the help is medically necessary, there may be support available. 

In my dad's case, we utilized his long-term care insurance to help cover the cost. If your mom has LTC insurance, she may be able to start utilizing benefits now if she qualifies and if her policy covers in home care.  (There is an initial waiting period where you pay all the costs, but after that, the insurance helps.)  The Veteran's Administration also has programs for veterans and their spouses, so that might be another option to consider.

Good luck no matter which route you take! 
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Splotchy
Reply with quote  #3 
P.S.  In my area, nursing homes cost a lot more than $5,000, so that may be why people say it's cheaper to stay at home.  Assisted living prices in my area are closer to $5,000, but that's still on the low side.
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Splotchy
Reply with quote  #4 
If you live in the US, here is another link that may be useful:

http://www.aplaceformom.com/senior-care-resources/cost-of-care

It allows you to compare costs.
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TaraG

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Posts: 20
Reply with quote  #5 
Thanks so much. We are in NJ. I'll check out these resources
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