February 2010 Support For Caregivers and Seniors
Minding Our Elders®: How Can My Elderly Parent Qualify for Medicaid?
 

A Note From Carol

Dear Friends,

Piles of snow, ten feet high, guard the entrance to my driveway. We received a huge snowfall over the Christmas holiday, then temperatures in the minus twenties froze the piles solid. Backing out of my driveway is like momentarily driving blind. It also takes some faith. I check out all angles, then back out, cautious, but knowing I've done my best to get it right.

What does this have to do with caregiving? Quite a bit, actually. As caregivers, we do our best with what we've been given. We often can't see any farther than the next hour, or even the next minute. What mood will our loved one, mentally muddled by dementia, be in today? Will he be fairly cheerful or angry at the world? Will she be paranoid and frightened or sweet and silly?

When I would pay my daily visit to my loved ones at Rosewood, I would go to each room with a bit of trepidation. My dad was the least predictable. The surgery that left him in dementia for the last decade of his life had given us a man who was chanageable.Yes, he was Dad, but with twists.

I'd glide through the doorway of Dad's room with about as much knowledge of what I was going to have to handle as I do now when I gingerly back out of my driveway. I knew I'd done my homework, so to speak, but I approached with some caution and a lot of faith that I could deal with whatever I found.

Sometimes we have to do our very best to prepare for a situation, then hold our breath and get on with it. Sometimes we have to just slide on through by sheer faith, knowing we are doing our best given the difficulties at hand.

Blessings to all of you cargivers. You may feel like you are backing out into traffic without knowing what is coming, but you do it anyway. And generally you do it well

Happy February. Take care of yourselves, Carol

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Welcome to Minding Our Elders! Our hope is to break the isolation that caregivers often feel. We'd also like to share ideas, comfort and information that will help you along your caregiving journey. Thanks for reading.


How Can My Elderly Parent Qualify for Medicaid?

In order to qualify for Medicaid, a single individual cannot have more than $2,000 in countable assets, and a couple cannot have more than $101,540. Any excess must be either spent down till it's gone (not generally the best alternative), gifted (which causes a costly period of Medicaid ineligibility), or converted to a non-countable asset. Such a non-countable asset is a "Medicaid annuity." Here's how it works.

An annuity is a regular stream of payments back to you, in exchange for a lump sum of money. They can be either private (made between you and a family member) or commercial (made with an insurance company). Medicaid only allows commercial annuities.

For example, if you are a male, age 70, you could transfer $50,000 to an insurance company in exchange for a monthly annuity payment of $400, guaranteed for your life, no matter how long you lived. But what if you died unexpectedly after two years?


Using the Arts to Promote Quality of Life for People With Alzheimer's

Interest in the arts as enhancers of life's quality is pretty well understood. Studies have shown the healing effects of music. I wrote about one such study in "Music Therapy Helps Some Regain Speech After Stroke." No matter what our age or health situation is, music, as well as the other fine arts and crafts, help most of us live life more fully.

Assisted living centers, nursing homes and adult day services have for years focused on music and art as entertainment, as well as therapy, for their residnts.Lately, however, the movement seems to be gaining even more steam.


Use Medicare Facility Ranking System as a Tool Not a Rule

I have been asked any times about the Medicare Ranking System for facilities, so I'm linking here to an article I wrote when it first came out. I feel the same way about it now.

Nursing home administrators are worried, and for good reason. The new Medicare nursing home comparing site at Medicare.gov/nhcompare has gone live. Nursing homes are given ratings, from one to five, in four categories. This is a simple rating system for complex elder care centers. Please use this as a tool, but use it with great care.


NFA "Care Connection" Calls Offer Caregiver Support

Take care of yourself this New Year by chatting with other caregivers. The Alzheimer's Foundation of America telephone support network offers phone "Care Connection" support chats every Thursday night at 9 p.m. ET. Dial (877) 232-2992 for chat schedules and further details, or go to www.alzfdn.org/AFAServices/careconnection


Should Your Elderly Parent Risk an Anesthetic Disaster or Forego Surgery?

Just last week a reader asked me whether she should try to sway her mother, who had colon cancer, toward surgery. Her mother, 87, was diagnosed with colon cancer and given the choice of surgery and chemotherapy or letting it alone.

If she chose not to have surgery, she could still have chemotherapy and radiation, though she was told that treatment wasn't apt to help a great deal. As expected, the daughter was distraught. She was seeking help in determining what her responsibility to her mother is. The woman mentioned that her mother was mentally sharp, so I told her that, in my opinion, her mother should be given all available information and then left to make her own decision. Barring advanced dementia or other mental issues, I feel elders should have the right to make informed decisions about their own health.


Only Children Vs. Sharing Decisions With Siblings - Which is Easier?

In the world of caregiving, sibling issues abound. Any problems that were around when you were growing up will likely turn up again, as your parents age. The pecking order rarely changes. The "girl" work and the "boy" work rarely changes. There are exceptions, of course.

And there are a few families that get along so well that these issues never are a problem. But watching our parents age is nearly always difficult, and when you throw in complicated decisions about whether to go ahead with dangerous or expensive treatment with a frail elder, differences of opinion abound. Even living decisions - stay home, assisted living, nursing home? - can cause great conflict.


About Carol
MOE book cover

Caregiving expert Carol Bradley Bursack, Author, speaker and columnist, presents a collection of articles, stories, news and research for you to browse. Please check the blog and Web site links for more information and feel free to email Carol at carol@mindingourelders.com to chat or ask questions. Minding Our Elders is a registered trademark.

If your group or organization would like to buy "Minding Our Elders: Caregivers Share Their Personal Stories" in bulk, please email carol@mindingourelders.com for information. Bulk rates are available.




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