The 3 C's of In-Home Assistance and Assisted Living
OK, you're back from spending time with your parents or other loved ones over the holidays. Now you realize they're not as independent as they used to be or they need more assistance than they've had. The decision is whether to get someone to come into their home (or more frequently) or moving to a community that provides more guidance and care like assisted living. Let's take a look at these two options:
In-Home Assistance
CARE - Most home care is nonmedical care provided by trained caregivers. In New York, agencies that provide "hands-off" assistance like running errands or assistance with cooking do not require a license. Agencies providing "hands-on" assistance like bathing or dressing are required to be licensed. Medical care at home is another level of home care and must be provided by licensed, health care providers. Caregivers can be hired through an agency, registry or privately. In addition, an Adult Day Care program may be used to provide socialization opportunities.
COSTS - According to the 2012 Genworth Cost of Care Survey, Home Care Costs for non-medical care in the Albany-Schenectady-Troy area run $18 - $26/hour. The rates for medical or nurse assistance at home will be higher by 25 percent or more. Costs for Adult Day Care run from $35 - $100/day depending on the level of care needed.
CONCERN - Caregivers can be hired from an agency or they can be hired as a private or independent caregiver. Be careful if you are considering hiring a private or independent caregiver since the individual becomes your employee and you become the employer with all of the responsibilities and potential liability. On the other hand... More on the 3 C's of In-Home Assistance and Assisted Living...
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