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Medicaid eligibility planning

How to Navigate Confusing Medicaid Eligibility Rules

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    Step 1. Hire a professional.

    I can’t stress this enough. If you’re building an estate plan, life care plan or any other plan for yourself or a loved one, Medicaid planning and asset protection should always be an important part of the discussion.

    Sure, there are some who are ineligible due to Medicaid income and asset limits. We’ll talk about that later. But for nearly 60 percent of nursing home residents and 30 percent of elders/persons with disabilities, Medicaid is a godsend to cover outrageous long-term care costs. 

    Hire a Professional to Help with Medicaid Eligibility

    Let me introduce you to Betty. (My sincerest apologies, if you are or you know a Betty. I’m sure you’re/she’s wonderful!) But Betty’s a member of, almost certainly, any community here in the beautiful, sunny State of Florida. She tackled Medicaid planning on her own for her mother 25 years ago. She has all sorts of outrageous claims and outdated theories about the process.

    Don’t listen to Betty. She’s almost always wrong. She scares good people, like yourself, into even talking to a professional, like myself, about building a Medicaid plan with asset protection.

    Yes, health care companies have zero sympathy for people who cannot pay through other methods like Medicare, private insurance and/or savings. They will seize assets (after you or the loved one in question have passed on). 

    No, they won’t take your income. They won’t take your house. The worst Medicaid can do is say you’re ineligible. Therefore, the goal — if Medicaid is your only route to paying for expensive long-term care — is to protect your assets by becoming eligible.

    And That’s Where We Come In

    OK, so you’ve heard about all these income and asset limits. They can be confusing with their different:

    • Tiers of eligibility
    • Applicant categories
    • Levels of care coverage
    • Adjusted income formulas

    You can be single, married, whatever, along a range of possible incomes and assets only to learn some legal and financial realities are considered differently from others, affecting your Medicaid eligibility in Florida.

    What We Do to Achieve Your Medicaid Eligibility?

    Caregiver Support and Resources, LLC builds a Medicaid-eligibility plan that works. Almost every Medicaid law — a federal entitlement program administered separately by the states — has exceptions. We work with you and elder law attorneys to determine your financial and legal needs and legally and ethically protect people’s assets.

    Here’s the process in a nutshell:

    Building the Initial Plan

    Medicaid planning can be simple — sometimes requiring only assistance with the collection and preparation of documents. It may be complicated — perhaps a complete restructuring of one’s financial assets. Sometimes qualifying for Medicaid may involve transferring assets away from the applicant within established timeframes or, if possible, changing eligible assets into non-countable assets.

    Legal issues require licensed legal consultation. In our time as the Clearwater, FL area’s premier caregiver resource, we have done many Medicaid-eligibility cases alongside the law firm Peebles & Gracy, P.A. We will also work with a lawyer of your choice. 

    Review By Parties

    You and/or your loved one and attorney will review the written plan for accuracy and completion. We will compile all necessary legal paperwork (including, but not limited to: qualified income trust, personal services contract, and estate-planning documents like power of attorney, living wills, etc.)

    Submission

    Once the plan is agreed upon and deemed legal by a licensed attorney, we submit the application to the State of Florida. The client will never have to deal with state Medicaid workers or officials. As their representative — and as a Board-certified Patient Advocate — we serve as the point of contact between the state, the individual and care-partner team, attorneys, and medical facilities/resources.

    Corrections

    As with any government machine, Medicaid is a monolith with thousands of employees that handles millions of cases. Mistakes are made, despite their best efforts. Oversights happen. Paperwork gets lost in the cracks. 

    We correct any errors by the state and give clarification on your behalf.

    After Care

    After approval, Caregiver Support and Resources offers an after care program to help navigate their first annual review with the state. The process can understandably be daunting and stressful, as many stress that something could go wrong to affect their Medicaid eligibility. 

    Don’t fret. We’re there by your side for every step and beyond.

    Professional Medicaid Eligibility Planning with a Personal Touch

    Medicaid has a lot of moving parts. Don’t let yourself get lost in loads of paperwork and uncertainty. You need a professional to navigate the system and account for your legal and financial best interests. 

    Education is a huge component of what we do. Medicaid eligibility is often complex (and maintaining eligibility may be, as well). We educate the client on processes and financial realities that could help (or hinder) your eligibility. I always say, “I have a limit of 5 million questions. It’s far better to ask than to allow an important factor to be overlooked.” 

    For a flat rate, we go to bat for you, saving you time and expense juggling many tasks and consulting with Medicaid-qualified legal experts along the way. We don’t just offer instructions. We’re hand-holders. We’ll go to the banks, make the calls, compile your paperwork and ensure it’s filed correctly, avoiding silly mistakes and confusion.

    There’s no reason anyone should live in poverty for transitioning to higher levels of care. Our clients, their families and future generations may still live in comfort and dignity.

    (Editor’s Note: Caregiver Support and Resources, LLC is not a law office. Maureen Rulison is not an attorney. The information contained in this blog is not to be construed as legal counsel or advice or substituted as such in any U.S. state, territory, locale or foreign state where it can be accessed. Rather, this blog is meant only to educate elders, care partners and families as to legal processes around life care planning.) 

    hospice care

    Hospice Care: When is the Time Right?

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      It’s close to the end. You know it. Your family knows it. The doctor and medical staff know it. (“Close to the end” is a strange combination of perspective and reality. And “knowing it” is an exercise in faith and reality.) When is the time right for hospice care?

      Most hospice agencies say families and care-partner teams often  wait too long to make late-life and end-of-life decisions. Some even wait until the final weeks, or even days, to make the call for hospice care. In these cases, preventable pain and suffering have long since set in. 

      So when is the right time for hospice care? If you’re building a life-care plan — even if you and your loved one still expect many more healthy years — the answer is NOW. 

      Preparing for Hospice Care is Key to a Well-Made Life Care Plan

      We know. The decision-making process is far from easy. But hospice care needs to be seen as a resource, not a devastating conclusion. Hospice care provides comfort care and coordinates other important support services for both the individual and their loved ones at end of life. 

      To be eligible, a doctor must affirm the individual’s condition will likely result in death within six months. The physical realities will be quite obvious. It’s time to mobilize hospice and all of its comfort, support and resources when an individual is experiencing one or more of the following:

      • Increasing falls
      • Severely declining cognition and memory (dressing, eating, walking, toileting, etc.)
      • Increasing visits to urgent care, ER and hospital stays
      • Deteriorating physical condition (skin tears, open sores, infections, etc.)
      • Significant weight loss

      A good plan factors these end-of-life realities and doesn’t delay action when they arise.

      Increasing Falls

      Numerous objects around a household could cause a trip and fall: electrical cords, dimly lit spaces, bunched-up rugs, grandchildren’s toys, damp floors, the list goes on. But what happens when misplaced objects and untidy rooms are no longer the greatest threat to navigating a home? 

      Weakness in muscle and bones as well as poor vision and balance associated with advancing age and illness are dangerous obstacles in themselves. Your loved one may get around the home for many years with limited assistance. But when they’re too weak and disoriented to move safely from the bed to a chair, it may be time to consider hospice care or another type of additional support.

      Declining Cognition, Memory & Function

      Again, this may occur on a sliding scale. Declining cognition and memory, often occurring with Alzheimer’s and other types of dementia, may seem relatively harmless at first. But there will come a time when your loved one won’t remember the reason for a trip to the kitchen or how to safely operate hazardous appliances and utensils once there. There will be a time when simply functioning — eating, toileting, bathing, etc. without help — is impossible. 

      When that day comes, hospice agencies can coordinate support to help families avoid and respond to emergencies and accidents.

      Increasing Visits to the ER and Hospital

      Trips to the emergency room and hospital stays for stabilizing or life-saving care may happen once or even several times. Chronic cardiopulmonary conditions, for instance, may bring an individual to the brink of death only to be revived with breathing treatments and sent home within hours. It’s when these trips become too frequent that families must consider bringing care directly to the individual. 

      Numerous hospital visits for emergency care are taxing on your loved one, who must not only endure poor health but also ambulance transport and the hectic rigors of lifesaving treatment — wondering which episode may be their last. They’re heart-wrenching to families who also suffer and anticipate grief alongside their loved one. Furthermore, they burden emergency transport and care systems who must respond to the same address time and again.

      Hospice agencies will provide expert medical staff, medications, supplies and other resources for use at home. A hospice nurse, family and other loved ones may administer emergency care in comfort, without unnecessary transport or intervention.

      Deteriorating Physical Condition

      In most cases, end of life comes with pain, illness and general discomfort. Body systems gradually shut down — including the immune system and natural healing processes. Minor cuts and scrapes worsen to skin tears and open sores, often deep, painful and infected. These may be bed sores caused by the pressure of lying or sitting in one position.

      When pain and suffering of this scale occurs because one is no longer capable of moving on their own, it’s likely time to involve hospice care. Hospice professionals will treat active wounds and ensure your loved one is moved frequently to avoid additional pressure sores.

      Significant Weight Loss

      Your loved one likely will lose appetite in the end, followed by what appears to be rapid and unhealthy weight loss. While poor appetite and weight loss could accompany a terminal illness like cancer or organ failure, it also could simply signal the natural shutdown of life processes.

      Yes, it may be painful for you, as a loving and devoted care partner, to witness your loved one shutting down. But if your loved one no longer requires food to sustain bodily functions, well, they no longer need it. Hospice agencies administering end-of-life care recognize the importance of letting nature take its course — and will help you to make peace with that decision.

      Plan for Hospice Care … Before Crisis Hits

      OK, so pretty much everyone aims for their loved one to be home and independent as long as possible. That’s understandable. NO ONE wants to surrender control over their living situation to “the system.”

      But hospice care isn’t a “system.” It’s a resource — covered by Medicare, Medicaid and major insurance plans — that can be planned many years in advance and delivered in home. It can be a valuable part of your community of support. The planning process considers many quality-of-life benefits including:

      Even if your loved one is not currently eligible for hospice, alternative palliative care options can deliver many of the same comfort services, treatments, medications and resources, with no out-of-pocket cost, outside of the six-month window.

      The care-partner team must face end-of-life care with a clear head and without bias. Planning ahead can save headache, heartache and uncertainty. If you need help, Caregiver Support and Resources, LLC can help you to build a plan today and refer you to a great hospice agency tomorrow.

      Medicaid and VA planning

      Protect Your Assets with Medicaid and VA Planning in Florida

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        You and/or your loved one wish to grow old without financial worry. OK, right off the bat, let’s rephrase that. You and/or your loved one wish to cover any necessary medical needs without surrendering your hard-earned money and assets for yourselves and future generations. This is where Medicaid and VA Planning must be an essential part of any well-made life-care plan.

        Wise choice. Whether you’re seeking such services here in Florida — or any other U.S. state or territory — the astronomical costs of health care can drain bank accounts more quickly than you imagine. 

        How Much Could Nursing Home Care Cost Without Medicaid and VA Planning?

        Did you know that Medicare and most other insurances don’t cover a stay in a Florida nursing home beyond 100 days? So costs could come out of pocket, from savings, or from property or other financial assets for a longer-term stay due to illness or even a moderate injury from an unexpected fall. 

        So let’s have a look at some average long-term nursing facility costs, according to the Genworth Cost of Care Survey. In 2020, a semi-private nursing home room in Florida cost $8,669 PER MONTH! The United States average was $7,756 per month. Not that they were much cheaper, but our neighbors in Alabama and Georgia paid $6,540 and $6,722 monthly, respectively, for equivalent nursing home rooms, according to those most recent statistics.

        But let’s analyze the numbers even more deeply, city by city and region by region. Here in the Tampa Bay, FL area, an average semi-private room in 2020 cost $9,946 per month. Meanwhile, a four-hour drive south in Miami, FL, it was $9,095 per month and far north on the Panhandle in Tallahassee, FL it was much less costly at $7,543. (Again, we say “much less costly” recognizing how outlandishly expensive a legitimate stay in a nursing facility can be.)

        And make no mistake, if you haven’t the Medicaid or VA eligibility or an actual fortune in savings to cover the cost in cash, the health system has zero sympathy. THEY WILL TARGET ASSETS.

        But Medicaid and VA Planning Isn’t Only for Nursing Care

        Most are typically concerned about eligibility for long-term and end-of-life care mentioned above. But some more routine types of care and assistance typically covered earlier in life for healthier individuals can still be astronomically expensive. 

        These might include:

        • Homemaker services
        • Adult day care/respite care
        • Home health care
        • Assisted living facilities

        Let’s again break down some Florida averages (also dependent upon specific location). A home health aide in 2020 cost $4,290 monthly. Adult day care (some may know this as respite care, a type of community care common for persons living with dementia and others who can no longer safely stay home alone) cost $1,408 per month. Homemaker services and assisted-living facilities cost $4,195 and $3,700, respectively.

        Again, they will target assets, if you are not prepared financially or eligible for Medicaid or VA benefits and attendance.

        Navigating Eligibility for Medicaid and VA Planning in Florida

        Good news is, many individuals and couples could be eligible for Medicaid or VA assistance to protect net worth and assets with some planning. It’s actually one of the most critical elements to life-care plans I build every day. Financial eligibility planning is just as important as figuring out final wishes for end-of-life care (like power of attorney, living wills, and hospice or palliative care) or preparing for everything else (the good and bad) that goes along with our loved ones’ golden years.

        Medicaid and VA coverage is primarily a financial tool — fair or unfair — that first determines if an individual or couple is financially able to cover all or some of necessary health costs. Applying people and households must come in under certain income and asset limits. 

        But in general, legal Florida residents (we’ll discuss citizenship and legal residency rules, as well) seeking long-term care Medicaid must meet income limits. For Floridians to be eligible for Medicaid, they must be a Florida resident, a U.S. citizen, a permanent resident or a legal alien and require a nursing home level of care. Applicants for Long-Term Care Medicaid must also meet the state’s income limits, which in 2021 is approximately $2,382 per month for a single household and an asset limit of $2,000.

        Are You Financially Ready for a the Life-Care Planning Process?

        Medicaid planning legally protects an individual’s assets to care for you and yours, in addition to Medicaid and VA benefits. Caregiver Support & Resources, LLC works with elder-law attorneys, and we can legally and ethically protect people’s assets to help them qualify for Medicaid and VA attendance.  Medicaid, unlike Medicare, will cover most long-term care costs. Once we obtain Medicaid eligibility for an individual, if they remain within the Medicaid guidelines, they will have eligibility for the rest of their lives. Likewise for VA aid and attendance.

        There’s no reason an elder or their spouse should live in poverty for transitioning to higher levels of care. Our clients, their families and future generations may still live in comfort and dignity.

        legal documents caregivers

        The Legal Documents Caregivers Must Have

          So you’re a care partner preparing for the long haul. Hopefully you, your loved one and the rest of the care-partner team are having such conversations early. If so, you’ll be more able to tackle the important — and tough — decisions that need to be made with clear heads, an unbiased lens and an understanding of the path ahead.  

          Who is the best fit to complete certain tasks and when? Who handles the finances when your loved one may no longer be able to? Who executes medical decisions when they can no longer speak for themselves? And most importantly, what does your elder want? 

          For good reason, you can’t walk into a doctor’s office and say, “I’m now in charge.” Nor is it legal (or ethical) to approach a bank or realtor and begin rattling off transactions for a loved one — even if they’re legitimate. There are legal documents caregivers must have to begin taking important actions.

          Which Legal Documents Must Care Partners Have to Handle a Loved One’s Affairs?

          I’ve broken these down without hierarchy. These legal documents are equally important for very distinct reasons.

          Living Will (Advance Directive)

          At a certain point in life, we all begin to know and understand what we prefer from medical care. And during the beautiful aging process, as we begin noticing health declines and envisioning later stages, we begin to embrace how we wish to die with dignity.

          Do you wish for a do-not-resuscitate (DNR) order when you’re too ill to speak for yourself? Or do you wish to fight another day? Do you want strong pain medications? Or do you wish for natural or holistic treatment as a matter of personal preference or religious faith?

          A living will gets this in writing — legally, unquestionably and with no ambiguity. It leaves no room for interpretation, for loved ones to question what an elder would want entering end-of-life care. It leaves no room for anyone to second-guess the validity or wisdom of a care decision.  

          Health Care Proxy

          Along the same lines, the many different facets of medical care require decision-making — from doctor selection and physical therapy to prescription medication and the life-saving tactics mentioned above. In fact, a health care proxy may be named within the living will.

          A health care proxy establishes an individual responsible for those decisions when an elder becomes incapacitated. Again it gets this in writing, so there’s no question who wields legal authority when it’s necessary. It’s also known as durable power of attorney for health care.

          Power of Attorney

          There are numerous legal matters beyond health care that require attention. Power of attorney prioritizes your elder’s final wishes and establishes an individual or individuals charged with executing legal decisions.  

          It’s important to have this in place, particularly when it comes to financial and property decisions. Power of attorney may also establish a living trust to manage finances, banking and real estate while the individual is still alive. But the power within power of attorney may broadly encompass health care and final wishes. If your loved one has not clearly (and legally) established a health care proxy, the one with power of attorney may execute end-of-life decisions or appoint a responsible choice. 

          Power of attorney gets it in writing, as well. It may be a difficult decision, but one has to be made when a person can no longer speak for themselves — legally, mentally and physically.

          Will

          After a loved one’s death, there may be assets — big or small, material or sentimental — they wish to leave to family and friends. A will establishes who will receive what. It names an executor to see that final wishes are known and obeyed exactly. Sometimes assets are split evenly. Sometimes they’re determined by some other set of personal wishes known only by your elder. 

          I’ve rarely seen more animosity and squabbling amongst families than when a will was not established — or was established, but still unclear. Far too much, “Dad would’ve wanted me to have this!” and “Grandma would’ve wanted you to have that!” Again, a will gets it in writing to avoid unnecessary (and often ugly and costly) legal infighting later.

          Your loved one and the entire care partner team can feel at ease knowing valuable assets and items of remembrance are going where they’re meant to be.

          Legal Documents Caregivers Must Have: Get It In Writing

          You see the theme here? Get it in writing! Get it done early, when everyone on the care-partner team has a cool head about the future. Get the legal stuff out of the way so everyone can enjoy the time left together as a family — whatever family may mean to you.

          There’s no shame in seeking help. Caregiver Support and Resources, LLC has over 25 years of experience in patient advocacy, Medicaid planning (with asset protection) and life-care planning. We’re also happy to provide referrals to legal services to do the hard work of crafting your legal documents. Feel free to contact me for more information at info@caregiversupportandresources.com.

          (Editor’s Note: Caregiver Support and Resources, LLC is not a law office. Maureen Rulison is not an attorney. The information contained in this blog is not to be construed as legal counsel or advice or substituted as such in any U.S. state, territory, locale or foreign state where it can be accessed. Rather, this blog is meant only to educate elders, care partners and families as to legal processes around life care planning.)    

          Step 3 of Life-Care Planning: Taking Care of Those Who Take Care of Us

          Step 3 of Life-Care Planning Taking Care of Those Who Take Care of Us

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            I know this part of the journey well because I’ve walked it myself for decades and in several different capacities. Step 3 of life-care planning calls upon the care recipient to honor those who give selflessly on their behalf: care partners and the entire care-partner team.

            In recent months, we’ve been diving into the life-care planning steps highlighted in my new book, “Because I Love You: My Book About Me.” So far, we’ve discussed:

            As you’ve likely guessed, the goal is to plan A LIFE WORTH LIVING for our elders and their care partners. There are many moving parts to a great life-care plan. Some of them can be quite complex, monotonous and overwhelming – gathering and organizing financial and legal documents; and coordinating care, doctor visits and end-of-life plans. Others call for personal reflection and documenting life’s interests and wishes, essentially drawing a map for the best quality care.

            Step 3 of life-care planning is on the more personal side – but to benefit the care partners. Let’s explore!

            Honoring Our Care Partners: A Personalized Approach to Life-Care Planning 

            As the primary care partner for my husband, Brian, who lives with Alzheimer’s and vascular dementia, I’ve experienced the emotional highs and lows. The challenges and triumphs that come with being a caregiver are familiar as old friends. 

            I know what it’s like to feel underappreciated and that my needs are secondary. That’s part of the sacrifice. But it doesn’t have to be that way.

            Care partners must be recognized as a critical part of any caregiving journey because, without them, everything falls apart. We’re the sympathetic hand holders. This step in the process is all about recognizing and supporting the incredible care partners who devote their time, energy and love to ensuring elder loved ones receive the best possible care. 

            Honoring the Backbone of Care

            As care partners, we wear many hats. We’re caregivers, organizers, advocates, cooks, housekeepers, drivers, and sometimes even medical coordinators. We pour ourselves into making sure our loved ones are safe, comfortable and well cared for. 

            But who takes care of us?

            I’ve seen it too many times: care partners who are stretched so thin, running on empty because they’re trying to do everything on their own. It’s easy to put your own needs on the back burner. But if we’re not caring for ourselves, we can’t give the best care to our loved ones.

            By acknowledging the incredible work you do, we can begin to build a support system for caregiving in a sustainable, happy and fulfilling way.

            Support, Time Off & Resources: You Deserve It

            If you’re like me, asking for help doesn’t always come easily. Being a care partner is one of the hardest jobs in the world – and the majority of us do it without pay. Many of us also work full-time jobs, raise families and balance countless other responsibilities on top of caregiving. 

            It’s no wonder we’re exhausted! We need help.

            One of the most important aspects of life-care planning is making sure care partners have access to support, time off and resources. This isn’t a luxury – it’s a necessity. you can’t pour from an empty cup. You need breaks. You need self-care. You need to feel appreciated.

            This includes everything from respite care to support groups connecting you with others who truly understand. There are also educational resources to help you navigate the complexities of caregiving, and self-care strategies that remind you to mind your physical and emotional health.

            We’ve curated these resources to make caregiving more sustainable and to alleviate stress. 

            Avoiding Frustration & Overwhelm: It’s OK to Feel What You Feel

            If you’ve been a care partner for any length of time, being overwhelmed is a way of life. Caregiving is emotionally challenging, and it’s OK to acknowledge that. In fact, it’s important to.

            In this step of the life-care planning process, I encourage you to take a step back and reflect on your feelings. It’s OK to admit that this role is hard. It’s OK to feel tired, frustrated or even angry at times. What’s not OK is ignoring those feelings and pushing through without taking time to process them.

            In my book, I’ve included space specifically for care partners to reflect on their own experiences. This isn’t just about making a plan for the care recipient – it’s about making sure you are supported, too. There are thought-provoking questions designed to help you express your frustrations, fears and needs along the uncertain path. 

            Empowering the Care Partner Team: A Collaborative Approach to Care

            Caregiving must be a collaborative effort. Whether it’s involving other family members, friends or professional caregivers, building a team that can share the load is essential.

            As a Board-certified Patient Advocate, I encourage open communication among the entire caregiving team. Everyone should be on the same page, understanding the needs of the care recipient and the care partners alike. 

            And that’s where “Because I Love You: My Book About Me” comes in again. The book serves as a guide to help families have those important conversations. It provides a place to document key information, from medical history and preferences to care wishes and end-of-life plans. This clarity allows everyone to be informed and involved, reducing the emotional burden on any one person.

            Caring for the Care Partners: The Bottom Line of Life-Care Planning

            The well-being of the care partner is just as important as the well-being of the person receiving care. As you move through this step of the life-care planning process, I invite you to reflect on your own caregiving journey. What support do you need? How can you take better care of yourself? How can your family or care team work together?

            With the right resources and support, we can build a life-care plan that honors everyone involved. Because we care. Because you matter. And because you’re not alone.

            If you need help, feel free to reach out to me directly at maureen@caregiversupportandresources.com. 

            find a qualified patient advocate in Clearwater, FL

            How to Find a Qualified Patient Advocate to Navigate the Maze of Elder Care

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              How do you find an experienced and qualified Patient Advocate? Well, look no further. You found me!

              Relax, I’m kidding! It’s a valid question you may have been asking for some time while helping your elder loved one. Finding an experienced Patient Advocate makes all the difference for individuals and care-partner teams aiming to build A LIFE WORTH LIVING. You can begin your search here: Independent Patient Advocates | Get Help Now – GNA.

              Contrary to popular belief, a Patient Advocate is not someone who makes care decisions FOR you. Rather, these valuable professionals make decisions WITH you. As I always say, a Patient Advocate is a guide and protector of autonomy. 

              As you dive into your search, I’ll tell you what I bring to the table for the great people of the Clearwater, FL area. This blog also explains what to look for in a qualified Patient Advocate.

              A Life Worth Living: Finding an Experienced Patient Advocate to Guide Elder Care

              When caring for an elder loved one, the path sometimes feels like a maze – with confusing twists, turns and unexpected barriers toward A LIFE WORTH LIVING. From deciphering medical jargon to managing complex health systems, the challenges can be overwhelming. 

              As a Board-certified Patient Advocate in the state of Florida, that’s where I come in! To be a guiding light through the intricacies of healthcare, ensuring your loved one receives the best possible care throughout the aging process. 

              Not only do professionals like me tackle most (or all) parts of a well-rounded life-care plan for quality of life, many of us also have distinct specialties. My specialties for Clearwater, FL area clients involve Medicaid & VA eligibility planning, working alongside elder law attorneys to prepare for the costs of care while also protecting assets for future generations.

              (I also have expertise in all facets of dementia care from nearly 30 years as a life-care planner – and from personal experience as the primary care partner to my life partner, Brian, who lives with Alzheimer’s and vascular dementia.)

              In general, many qualified Patient Advocates provide or facilitate access to:

              • Care-partner team building
              • Medical coordination
              • Hospice care
              • Respite or adult day care
              • Financial & estate planning
              • Living transition assistance
              • End-of-life counseling
              • & Much more

              Whether you’re just beginning your caregiving journey or facing new and daunting medical decisions, having a knowledgeable and compassionate advocate offers clarity, support and peace of mind.

              How a Qualified Patient Advocate Can Help: A Detailed Approach

              Let’s put the right Patient Advocate by your side with these practical tips to fit your family’s unique needs. 

              1. Clarifying Medical Information

              Medical jargon can be confusing and intimidating, especially as more medical professionals become involved in your loved one’s care. Many senior citizens are prescribed 15 or more prescription drugs a year. With that comes a risk of side effects and inadvertent drug overloads, especially when prescriptions are hard to follow.

              An experienced Patient Advocate can untangle confusing medical terms, treatment plans and procedures in a way that you can understand. This ensures you are fully informed to make the best decisions with your loved one.

              2. Coordinating Care

              Similarly, managing multiple healthcare providers, appointments and treatments can be daunting. Are you truly prepared for a morning slated with doctor visits? Do you have your loved one’s prescriptions and documentation in order?

              When you find a qualified Patient Advocate that best suits your needs, they can help to coordinate care among different doctors and specialists. This ensures everyone is on the same page and that nothing falls through the cracks.

              3. Advocating for Your Loved One’s Rights

              Every patient has rights. Whether they’re strictly adhered to by medical professionals is another matter. 

              Your elder loved one’s wishes and needs (as well as spiritual and legal requirements) matter greatly. A qualified Patient Advocate MUST speak up on their behalf, ensuring the most appropriate care and that individual preferences and values are respected.

              4. Assisting with Insurance & Billing

              Navigating insurance claims and medical bills can be a headache. Patient Advocates help you understand your insurance coverage, file claims and resolve billing issues, saving you time and reducing financial stress.

              5. Providing Emotional Support

              The emotional toll of caregiving is immense. You and I both know this well. Even the most compassionate and steadfast care partners may struggle emotionally.

              Patient Advocates offer a caring ear and emotional support. We help you address emotional ups and downs of caregiving with healthy strategies like counseling, prioritizing self-care and taking time for self-reflection. Our involvement provides reassurance and stability.

              What to Look for When Finding a Qualified Patient Advocate

              Once you’ve identified some potential candidates to help your loved one and the care-partner team, let’s check off some boxes toward a decision:

              1. Check Credentials

              Look for a qualified Patient Advocate with relevant certifications and training. Organizations like the National Association of Healthcare Advocacy Consultants (NAHAC) and the Patient Advocate Certification Board (PACB) offer certification programs that ensure Patient Advocates meet high standards of competence and ethics.

              As I mentioned earlier, I’m a Board-certified Patient Advocate (BCPA) in the state of Florida. My credentials also include being a Certified Montessori Professional (CMP) and a Dementia Care Professional (DCP).

              2. Ask for Recommendations

              Reach out to your elder loved one’s primary healthcare provider, support groups and other caregivers for recommendations. Personal referrals can be invaluable in finding a trusted advocate.

              3. Interview Potential Advocates

              Don’t hesitate to interview prospective Patient Advocates to gauge their experience and expertise. Patient Advocacy isn’t a one-size-fits-all calling. You need someone to handle specific elements of elder care – from medical knowledge to organizational skills – for your loved one and the care-partner team. 

              Ask about their background, approach to advocacy, and how they’ve helped other families in similar situations.

              4. Evaluate Communication Skills

              Communication is crucial. Plain and simple, a Patient Advocate can’t do their job if they can’t nurture effective communication among all members of the care-partner team – both professional and personal. 

              Choose a Patient Advocate who listens carefully, communicates clearly and promptly, and is responsive to your needs and concerns.

              5. Consider Compatibility

              The relationship with your Patient Advocate should be built on trust and mutual respect. Ask probing questions to ensure their values and approaches align with your family’s needs and preferences.

              Making the Right Choice: Adding a Patient Advocate into Your Caregiving Team is a Game-Changer

              Finding a qualified Patient Advocate provides the expertise, support and peace of mind that allow you to focus on what matters most: caring for your elder loved one. With the right advocate by your side, care partners like you can face the unknown with greater confidence and clarity, knowing that you have a knowledgeable partner to guide you through the healthcare journey.

              Embrace the power of advocacy, and let it be a beacon of light in the unpredictable world of caregiving. If you’re in the Clearwater, FL area seeking Patient Advocacy services, I’m always here to chat and facilitate important community resources.

              steps of life-care planning

              Step 1 of Life-Care Planning: Let’s Get to Know Each Other

                For several decades now, I’ve approached meeting new life-care planning clients with a simple objective. “Let’s take it a step at a time,” I say. “Let’s get to know each other.” 

                Life-care planning is a marathon. There may be many years – even decades – between beginning a care plan and life’s end stages. 

                (Related reading: “Mom’s Still Healthy. Can Life-Care Planning Wait?”)  

                Realities may change. Small adjustments and big course corrections could be needed. But the core of our elder loved ones’ wishes and big-picture plans often remain the same. So why not begin the process by collecting and organizing ALL of the information in one centralized location for easy access and efficiency? Why not document care needs and personal preferences in writing to limit confusion? 

                In this blog, we’ll discuss the first step of Caregiver Support and Resources, LLC’s life-care planning process. “Step 1: Let’s Get to Know Each Other,” is designed to create a holistic roadmap that respects your autonomy and ensures that decision-making remains with the individual for as long as possible.

                Step 1 of the Life-Care Planning Process: Understanding the Whole Person

                During initial consultations, I bring a binder to organize such pertinent information and understand the whole person – their preferences, family, relationships and life aspirations. To help care-partner teams everywhere take ownership of their own life-care planning process, I’ve turned this binder into a helpful workbook available on Amazon: “Because I Love You: My Book About Me.”  

                Here at Caregiver Support and Resources, LLC, we believe that life-care planning is not just about addressing medical needs. It requires a holistic approach, factoring everything that impacts A LIFE WORTH LIVING. 

                Building a Supportive Care-Partner Team

                One of the most critical components of life-care planning is identifying members of the care-partner team. The inner-circle of this team includes family, friends and even cherished pets who play an integral role in an elder’s life. The outer circle includes doctors, clinicians, financial advisors, legal experts and other professionals who assist key processes. 

                By collecting the names and contact information of these important individuals, we ensure that our elder loved ones are surrounded by a supportive network that understands their distinct needs and values.

                Why It’s Important:

                • Strengthens Your Support System: A well-defined care-partner team is a network of people who know your preferences, can assist daily responsibilities, can help with informed decision-making and advocate on your behalf, if necessary.
                • Ensures Continuity of Care: In times of need, care partners can step in seamlessly, knowing their loved one’s exact history and wishes.
                • Provides Peace of Mind: Knowing your care is in the hands of trusted individuals brings comfort and assurance, while ensuring quality care on the individual’s terms.

                Centralizing Legal, Health & Financial Information

                Organizing essential documents in one location is crucial for effective life-care planning. This includes reviewing legal documents, gathering health and medication information, and delving into financial details. 

                In emergencies, elder loved ones and caregivers need easy access to such documentation. Overall, our goal is to ensure that wishes and needs are established for a clear strategy guiding care.

                Key Areas of Focus:

                • Legal Documents: Work with an estate attorney to create, review and update wills, power of attorney and other legal documents to ensure wishes are legally sound and prepared for use at the appropriate time.
                • Health Information: Document medical diagnoses, medications, treatments and medical providers’ details for a comprehensive health profile that can be easily accessed when needed.
                • Financial Information: Meet with financial advisors to strategize funding for your care both now and in the future to access the care required.

                Why It’s Important:

                • Reduces Confusion: Having all important information in one place makes it easier to consult established wishes and manage affairs efficiently.
                • Ensures Informed Decisions: With clear documentation, decision-making seamlessly aligns with preferences, health needs and financial realities.
                • Streamlines Processes: Centralized information simplifies coordination among elders and families with healthcare providers, legal advisors and financial planners.

                Exploring Personal Preferences

                Beyond the clinical aspects, a life-care plan also must honor individuality by understanding and documenting personal likes and dislikes. Whether it’s your elder loved one’s favorite music, preferred daily routines or specific comfort items, these personal preferences play a significant role in overall happiness and well-being.

                Why It’s Important:

                • Improves Quality of Life: Tailoring care to include your personal preferences ensures that our loved ones continue to enjoy the things that matter most.
                • Nurtures Emotional Well-Being: Recognizing and incorporating your likes and dislikes into a life-care plan supports your mental and emotional health.
                • Strengthens Relationships: Sharing individual preferences helps care partners connect with the individual more deeply, fostering a more supportive and empathetic environment.

                Crafting a Personalized Life-Care Plan for Autonomy

                As a Board-certified Patient Advocate in the State of Florida, my role is not to manage care plans, but rather to be a guide and protector of autonomy. Our shared objective is to extend decision-making power for the individual for as long as possible. 

                Should the need arise, a well-crafted life-care plan ensures that decisions are made by individuals chosen by our elder loved ones. The aim is for everyone providing support to know the complete person, beyond surface-level needs and best practices for medical diagnoses.

                Steps to Crafting Your Life-Care Plan:

                1. Initial Sessions: We begin with a series of sessions designed to grow personal understanding and to build the care-partner team.
                2. Interactive Questions: We pose questions to unravel the unique threads of an elder’s life, documenting vital health, financial and legal information.
                3. Personal Reflections: The next few pages of our guide provide space to answer questions and provide relevant information about personal preferences and values.

                Life-Care Planning: Join Us in Creating a Life Worth Living

                “Step 1: Let’s Get to Know Each Other” of our life-care planning process is the foundation of a comprehensive roadmap to the future that respects autonomy and honors individuality. By identifying key care partners and professionals, centralizing important documents, and exploring personal preferences, we streamline and simplify the path to A LIFE WORTH LIVING.

                Join us on this journey. At Caregiver Support and Resources, LLC, of Clearwater, FL, we are committed to supporting elder loved ones and care partner teams every step of the way. Let’s become partners in life-care planning to truly reflects what individuals and families value most.

                For more information – or to just reach out and chat – email me at maureen@caregiversupportandresources.com. 

                caregiver tips for dealing with the unknown

                10 Caregiver Tips for Dealing with the Unknown: Embrace the Journey with Confidence

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                  As a loving and devoted care partner to an elder loved one, you’ve probably faced more unknowns than you’d ever imagined possible. Many of my Patient Advocacy clients have told me how life’s curveballs – especially while caring for someone else – can make the job seem impossible some days. So here are some caregiver tips for dealing with the unknown.

                  In previous blogs, we’ve expressed how the unknown can easily creep into daily caregiver responsibilities. (Related reading: Unexpected Emergencies Can Derail a Life Care Plan and In Life Care Planning, it’s Essential to Factor the Unexpected.)

                  Today, we’ll discuss some expert insights – from both personal and professional experience as a care partner – for embracing this uncertain journey with confidence.

                  Dealing with the Unknown is Part of the Caregiving Journey

                  The unpredictability of caregiving can feel like a monstrous shadow lurking around every corner. You don’t know when your loved one will get sick and stop eating. You don’t know when their dementia will transition to late stages. You don’t know when a fall could happen, or when coordinating among medical providers will leave you pulling your hair out.

                  But here’s the good news: you don’t have to face these uncertainties alone or unprepared. Life-care planning is your secret weapon against the unknown. The key is in how you PREPARE and RESPOND. 

                  Let’s dive into these 10 tried-and-true tips that will help you embrace the unexpected with confidence and grace.

                  1. Embrace Life-Care Planning

                  Life-care planning is a roadmap for navigating the unpredictable terrain of caregiving. Think of it as your personal GPS, guiding you through potential detours and helping you anticipate challenges before they arise. 

                  Collaborate with professionals to create a comprehensive plan that includes legal, financial and healthcare considerations. This proactive approach ensures you’re not caught off guard and provides peace of mind for you and your elder loved one.

                  (If you need a list of professionals forming the continuum of care in the Clearwater, FL area, I’ve compiled this extensive roster of referral partners here.)

                  2. Control Only What You Can Control

                  Sometimes we caregivers try to control too much – to control EVERYTHING. Admirable as it is for us to desire that level of involvement and sacrifice, it doesn’t take long to realize that it’ll drive you mad! At the very least, you’ll suffer from caregiver burnout.

                  To be sure, the unknown can make you feel like a ship tossed in a storm. While you can’t control the winds, you can adjust your sails. Focus on the aspects of caregiving that are within your control. Establish daily routines for meals, medication and exercise. (Helpful hint: they won’t always go as planned, but it’s better to have some structure than none at all.) Organize important documents and keep a list of emergency contacts handy. 

                  By creating a sense of order in your daily life, you’ll reduce anxiety and feel more grounded.

                  3. Prioritize Self-Care Every Day

                  On that note, a healthy care partner is a resilient care partner. To borrow the old airline analogy, you must “put on your own oxygen mask before helping others.” Prioritize your own well-being through regular self-care. 

                  • Make it a point to exercise, even if it’s just a walk around the block. 
                  • Eat a balanced diet whenever you can. 
                  • Get sufficient rest, even if you have to ask for someone to stand in for you. 

                  Even when it feels impossible to carve out time for yourself, remember that self-care is not a luxury – it’s a necessity. Simple practices like deep breathing, meditation or reading a chapter of your latest book can make a world of difference in your mental and physical health. Don’t ignore those powerful emotions … DEAL WITH THEM!

                  4. Build a Support Network

                  An “it takes a village” approach guides our vast care partner-referral network. It’s OK to lean on others.

                  I view the care-partner team as a series of concentric circles. The center is your loved one, and the inner and outer circles include family, friends and professionals who each assume active roles.

                  Build this network of people who can offer support and guidance. Don’t hesitate to ask for help, whether it’s a listening ear, a meal or a respite break. Joining caregiver support groups can also provide a sense of community and shared understanding. 

                  5. Avoid Gloomy Thoughts

                  I get that it’s hard to not be negative, at least sometimes. You shoulder a heavy burden. Negativity is a powerful fear amplifier. Limit your exposure to negative news and avoid conversations that dwell on worst-case scenarios. 

                  Instead, surround yourself with positive influences. Engage with supportive communities, both online and offline, that uplift and inspire you. Seek out stories of resilience and triumph. They can be powerful reminders of the strength within you.

                  6. Stay Informed & Prepared

                  Knowledge is power. Stay informed about your elder loved one’s health conditions, treatment options and available resources. The more you know about their treatment and daily realities, the better prepared you are to respond effectively.

                  Attend caregiver education sessions and workshops. Keep an emergency kit and important documents ready, so you’re always prepared for the unexpected.

                  7. Learn from the Past

                  As care partners, there’s so much to be gained from some honest self-reflection. Reflecting on past experiences can be simultaneously humbling and empowering. 

                  Recall times when you successfully navigated uncertainty and overcame challenges:

                  • What strategies worked well for you? 
                  • What didn’t work well? 
                  • Where did you fail? 
                  • Where did you succeed?
                  • How did you cope with stress?
                  • What did you learn about yourself and/or others? 

                  Use these insights to bolster your confidence that you’re a competent caregiver. You’ve faced the unknown before, and you WILL do it again.

                  8. Stay Flexible & Open-Minded

                  Flexibility is a caregiver’s best friend. While planning is key, locking yourself and your loved one into too much structure takes away from A LIFE WORTH LIVING. 

                  The ability to adapt and adjust to changing circumstances is crucial. Keep an open mind and be willing to explore new approaches and solutions. Sometimes, the unexpected can lead to creative and effective caregiving strategies that you might not have considered otherwise.

                  9. Embrace the Journey with Curiosity

                  Life is a series of surprises – some challenging, some delightful. Embrace the journey and allow yourself to learn and grow from each experience. The unknown is sometimes the best teacher. 

                  Uncertainty offers lessons in patience, compassion and resilience. By framing caregiver uncertainty as an opportunity for discovery, you can transform fear into a sense of adventure.

                  10. Seek a Qualified & Experienced Patient Advocate

                  All of this is so much to navigate. We’re mere mortals. Try as we might, superhero strength might only come in short bursts. You need a side-kick or a guide. You need a Board-certified Patient Advocate. 

                  A Patient Advocate is your ally in the healthcare system. We are life-care planners and protectors of decision-making and autonomy. We ensure your elder loved one receives the best possible care and that you’re informed and supported through EVERY step.

                  Patient Advocates are professionals who specialize in helping patients and their families work with the healthcare system. We can assist with a wide range of tasks, from understanding medical diagnoses and treatment options to coordinating care and communicating with healthcare providers. Our expertise can make a significant difference in the quality of care your loved one receives, as well as in reducing your stress and anxiety.

                  Dealing with the Unknown: Caregiver Tips for A LIFE WORTH LIVING

                  In closing, dear caregivers, remember that you’re not alone on this journey. The world needs more loving and devoted care partners, like you, who are equipped to handle the challenges. Life-care planning is your steadfast companion, and these tips are your tools for navigating the unknown with confidence. Embrace the unpredictability, trust in your abilities, and lean on your support network. Together, we can face the future with courage and grace.

                  Until next time, take care and keep shining brightly! 

                  If you have any questions, always feel free to reach out to me directly at maureen@caregiversupportandresources.com. 

                  signs your elder loved one isn't taking their medications

                  Signs Your Elder Loved One Isn’t Taking Their Medications (& Tips for Getting Back on Track)

                  , , ,

                    I know you’re a dedicated and compassionate care partner. You try so hard to provide a safe, caring and nurturing environment, but it can be mind-numbingly difficult to manage and monitor EVERYTHING. Never is that more apparent than when your elder loved one isn’t taking their medications.

                    Sometimes it’s glaringly apparent. Perhaps your mom is acting disoriented because she’s been missing a dementia-related medication. Or your aging brother’s blood pressure and cholesterol numbers were off the charts during their latest doctor visit. 

                    Other times, the signs aren’t so easily noticed. Failure to adhere to prescriptions might stem from the common struggle for older adults simply to remember their medication list. It could also be outright avoidance. 

                    Whether it’s due to forgetfulness, side effects or other reasons, nonadherence can have serious consequences on their health. In this blog, we’ll share some signs that may indicate your loved one isn’t taking their medications and offer practical tips to help them get back on track.

                    Recognizing the Signs Your Loved One is Avoiding or Missing Medications & Treatments

                    From health declines to evasive behavior, these are some things both primary and professional care partners should look out for: 

                    1. Sudden Health Decline or Recurrence of Symptoms

                    One of the clearest indicators that your elder loved one might not be taking their medications as prescribed is a sudden decline in health. Sometimes, this may come in the form of a recurrence of symptoms that had previously been under control. For instance, if their blood pressure spikes or their diabetes symptoms return, it’s worth investigating whether they are following their medication regimen.

                    It’s important while assessing declines in health to recognize normal vs. abnormal signs of the natural aging process. If you’re unsure, contact a primary care provider to help you make such determinations.

                    2. Unusual Behavior or Mood Changes 

                    Medications play a crucial role in managing not just physical health, but also mental health. Millions of older adults take prescriptions from common ailments like anxiety to specialized treatments for more severe disorders like Alzheimer’s and other types of dementia. 

                    Be on the lookout for unexplained mood swings, increased irritability, other behavioral changes, or regressions in memory and cognition. It could be a sign that they are not taking their medications properly – or not at all.

                    3. Confusion or Memory Problems 

                    On a similar note, older adults with cognitive issues may forget to take their medications. But individuals don’t have to be living with dementia to experience forgetful moments commonly associated with age. 

                    If your loved one seems more confused than usual or is having trouble remembering daily tasks, they may also be forgetting their prescriptions.

                    4. Full Medication Bottles 

                    Keep an eye on their medication bottles. If your loved one is relatively aware cognitively, you may be inclined to give them space and trust that they’re following the doctor’s recommendations. But it may be wise to “trust, but verify.”

                    You may encounter a bottle that should be nearly empty but still looks full. Putting 2 and 2 together, this would be an obvious indicator that doses are being missed regularly. Similarly, if there are no signs of refills when there should be, it’s time to investigate further.

                    5. Resistance to Taking Medications 

                    Your loved one may become defensive or evasive when it’s time to take their medication. They may ask to be left alone during advised medication administration times. This could be a sign they’re avoiding having to take them.

                    This behavior can stem from various concerns, such as unpleasant side effects or a lack of understanding about the importance of their medications.

                    6. Unexplained Physical Symptoms 

                    Pay attention to any unexplained physical symptoms, such as dizziness, fatigue or gastrointestinal issues. These can sometimes be linked to missed doses or improper medication management.

                    Tips to Help Your Loved One Follow Their Prescription Medication Regimen

                    If you’re thinking your elder loved one isn’t taking their medications, for any reason, here are some tips to get realigned.

                    1. Open Communication 

                    It’s amazing how many things in life can be fixed with open and honest communication. Begin by having an open and non-judgmental conversation with your loved one. Ask them if they have been taking their medications and listen to any concerns they may have. Explain your concern for negative health consequences if they continue to not take them.

                    Begin from an area of trust. Even if they’ve been avoidant – or even somewhat “sneaky” – that doesn’t mean they’d automatically lie when confronted. They may even open up about their own concerns. 

                    Understanding their perspective can help you address root causes.

                    2. Address Side Effects

                    Your loved one may have very reasonable and justifiable concerns about their prescription medications – even if they’re having difficulty expressing them. Many meds do indeed come with wide-ranging side effects that can make older adults feel icky or cause more serious medical consequences. 

                    If your loved one is experiencing unpleasant side effects, they might be reluctant to take their medications. Discuss these side effects with their healthcare provider to explore alternative treatments or solutions that can mitigate these issues.

                    3. Simplify the Medication Routine

                    Complex medication schedules can be confusing. More than 20% of elders take five or more medications daily. Even the most aware people could easily forget a high volume of prescriptions, which must often be taken at different times in various ways.

                    If it’s a matter of confusion, work with the individual’s healthcare provider(s) to simplify the regimen, if possible. This might involve switching to once-daily medications or using combination pills.

                    (The next two sections address more simplification techniques.) 

                    4. Use Medication Management Tools

                    There are various tools available to help manage medications. Pill organizers, automated dispensers and medication reminder apps can make it easier for your loved one to remember to take their meds on time.

                    5. Set Up a Reminder System 

                    Help your loved one establish a routine that includes reminders for medication times. This could be as simple as setting alarms on their phone, downloading a scheduling app or using another type of reminder service. 

                    Consistent timing can help make medication-taking a habit.

                    6. Educate on the Importance of Adherence 

                    Sometimes nonadherence stems from a lack of understanding about the importance of the medication. Don’t assume your elder knows what their meds help to improve – or the consequences of missing prescription times. 

                    Perhaps they’re not skipping their meds entirely, but merely missing doses every now and again. Many prescriptions require the ongoing introduction of medicine over time to achieve a desired goal. Educate the individual – in a way that’s easy to understand – why it’s necessary and how they contribute to their overall health.

                    7. Involve a Healthcare Professional

                    Sometimes it’s better when an individual “hears it straight from the horse’s mouth,” so to speak. Schedule regular check-ins with their healthcare provider to monitor their medication regimen. A professional can reinforce the importance of adherence and make any necessary adjustments to their treatment plan.

                    8. Provide Emotional Support

                    Empathy and loving support can be all that’s needed. Nonadherence can sometimes be a cry for help or an indication of underlying emotional struggles. When a loved one isn’t taking their medications, they sometimes just wish to feel heard and understood. 

                    So give them what they need! Offer them emotional support and reassurance, as you would anything else in the course of your caregiving duties.

                    9. Encourage a Healthy Lifestyle 

                    Beyond emotional support, we all need a little encouragement – a push from a devoted cheerleader. Even the most mentally and emotionally fit among us need it now and again. 

                    A healthy lifestyle can complement their medication regimen and incentivize following it. Encourage a balanced diet, regular exercise and stress-management techniques to improve their overall well-being. This should all be part of a well-rounded life-care plan that factors EVERYTHING for A LIFE WORTH LIVING.

                    What Should You Do If Your Aging Loved One Isn’t Taking Their Medications?

                    Following a prescribed medication routine is crucial for improving and maintaining your loved one’s health and well-being. But sometimes it’s apparent the individual isn’t taking their medications. 

                    Here we’ve covered some signs they may not be following their medical team’s recommendations, as well as some tips for getting back on track. By recognizing the signs and taking proactive steps to address it, we can help ensure elder individuals receive the full benefits of their prescribed treatments. 

                    With patience, understanding, and the right tools, we can support our loved ones in staying on track and enjoying a better quality of life. As a Board-certified Patient Advocate in the state of Florida, I’m here to provide those tools. If you need guidance, feel free to reach out for a chat.

                    signs of elder abuse

                    Spotting the Signs of Elder Abuse: Let’s Protect Our Aging Loved Ones

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                      Very few things could make my blood boil more than elder abuse. In nearly three decades as a life-care planner, I’ve seen more than I care to share. It’s not always as obvious as it may seem, and it doesn’t always occur at the hands of strangers behind closed doors. So let’s protect our elder loved ones by recognizing these signs of elder abuse.

                      As our loved ones age, they naturally become more vulnerable to various forms of abuse and neglect. They may not be strong or cognitively aware enough to defend themselves. This vulnerability makes it essential for care partners, family members and friends to be vigilant in recognizing the common calling cards of elder abuse. 

                      Unfortunately, these ugly types of abuse are more prevalent than many realize: more than 10% of older people in the U.S. experiences some form of abuse. Sadly, only an estimated 1 in 24 cases are reported to authorities, according to the National Council on Aging. 

                      Understanding the Signs of Elder Abuse: It’s More Than Meets the Eye

                      Elder abuse can manifest in various forms including physical, emotional, sexual, neglect and financial exploitation. Let’s explore these in detail to recognize the warning signs to keep our elder loved ones safe.

                      1. Physical Abuse: It’s Not Just Bruises

                      Physical abuse involves inflicting bodily harm by hitting, beating, pushing, scratching or burning. Here are some telltale signs:

                      • Unexplained bruises or wounds: These can appear on any part of the body, but are often hidden by clothing.
                      • Bruises in various stages of healing: This suggests ongoing or repeated abuse.
                      • Signs of restraint: Look for marks on wrists or ankles.

                      But don’t be fooled. Physical elder abuse can be sneakier than that. Less obvious forms include the inappropriate use of medications to sedate or harm the individual, as well as confining them against their will. 

                      Your loved one may appear unusually drowsy or frequently asleep, or they may show signs of trauma such as rocking back and forth. If they’re afraid or cognitively unable to verbally communicate, they may resort to physical gesturing and other non-verbal communication methods. It’s as if they’re sending out an S.O.S. that only a sharp-eyed detective — like you — can decode.

                      2. Neglect: The Most Common, Yet Still Overlooked

                      Neglect is the most common type of elder abuse. It occurs when a care partner fails to meet their basic needs. These can include medical, social, emotional and/or psychological factors. Signs of elder neglect can include:

                      • Poor hygiene, dirty clothes, or a generally unkempt appearance: Your loved one is now looking unclean and disheveled.
                      • Bedsores or pressure sores: Indicating prolonged periods without being moved and cared for properly.
                      • Unsanitary living conditions: If their home looks like it’s been through a tornado, something’s wrong.

                      Other signs of neglect can include malnutrition, dehydration, unexplained weight loss, and missed medical appointments or medications. When neglected, our loved ones may feel forgotten, so we must try extra hard as compassionate care partners to provide the attention and care they deserve.

                      3. Emotional Abuse: The Invisible Wounds

                      Emotional abuse encompasses behaviors that cause psychological harm, including humiliation, intimidation and verbal assaults. Unlike physical abuse, the signs can be much harder to spot:

                      • Withdrawal from social interactions or activities they once enjoyed: Suddenly, your loved one prefers solitude over spending time with others.
                      • Unexplained changes in mood or behavior: Tearfulness, irritability or agitation can be red flags.
                      • Expressions of fear or anxiety around certain individuals: If Grandma’s suddenly afraid of the night nurse, something’s off.

                      Less obvious forms of emotional abuse can include ignoring the individual, isolating them from friends or family, or forbidding them from participating in social activities. This form of elder abuse is like turning their life into a lonely island, and we need to build a rescue boat.

                      4. Sexual Abuse: The Unspeakable Harm

                      Sexual abuse involves any non-consensual sexual act or behavior. Warning signs can include:

                      • Bruises or wounds on the breasts, inner thighs or genital areas: These can be obvious, but not always visible.
                      • Unexplained sexually transmitted infections or injuries: These should raise immediate alarms.

                      In addition to physical signs, other forms of sexual abuse can include forcing the elder to watch pornographic material or sex acts or making them undress against their will. It’s the stuff of nightmares, and we must stay vigilant to protect our loved ones.

                      5. Financial Exploitation: The Silent Theft

                      Financial exploitation involves the unauthorized use or theft of an aging individual’s money, property or assets. Signs of financial exploitation can include:

                      • Unexplained withdrawals or transfers from bank accounts: Money seems to vanish into thin air.
                      • Missing valuables or property: Items that should be there are suddenly gone.
                      • Sudden changes in legal/financial documents: New wills, powers of attorney or other financial and legal documents that weren’t there before.

                      Less obvious forms of financial abuse can include deceiving an elder loved one to donate money to fake charities. They may also be susceptible to fraudulent investments and scams. The world today is the con artist’s playground, and we must shut it down.

                      What to Do If You Suspect Elder Abuse

                      Now that we’ve uncovered some common signs of elder abuse, it’s time to address what to do about it. As mentioned earlier, only 4% of suspected elder abuse cases actually get reported. 

                      Don’t let that happen – or keep happening – to your loved one!

                      If you suspect that your loved one is experiencing abuse, it’s crucial to take immediate action for their safety and well-being. To honor our aging family and friends, we must not only take time to notice if they’re in danger, but more importantly act and advocate on their behalf. 

                      Here are some steps to follow:

                      1. Talk to Your Loved One: Be the Trusted Confidant

                      Have a private conversation with the individual to express your concerns. Let them know that you care about their well-being and that you are there to support them. Ask open-ended questions to encourage them to share their experiences and feelings. 

                      Be gentle, but persistent — it’s a delicate balance, but your empathy can open doors.

                      2. Document Your Observations: The Detective’s Notebook

                      Keep a detailed record of any signs or incidents of abuse you observe. Include dates, times, descriptions of the signs, and any conversations you have with your loved one or other individuals involved. 

                      This documentation will be crucial if you need to escalate the issue – perhaps in a court of law. Which segues nicely to our next point.

                      3. Report the Abuse: Sound the Alarm

                      Depending on the severity of the abuse, you may need to contact local authorities, such as Adult Protective Services (APS) or law enforcement. Provide them with your documentation and any additional information they may need to investigate the situation. 

                      Remember, you’re their advocate. Don’t hesitate to take action when your gut says to!

                      4. Seek Professional Help: Call in the Cavalry

                      But if you need clarity before taking action, consult with health care professionals, social workers, Board-certified Patient Advocates (like myself) and/or elder law attorneys to get guidance on the best course of action. They can provide valuable resources and support to help protect your loved one. 

                      Sometimes, it takes a village to ensure safety.

                      5. Get Them to Safety: The Final Rescue

                      If the abuser is a caregiver or someone living with the elder, it may be necessary to remove the abuser from the home or relocate the elder to a safer environment. Elder abuse doesn’t always occur in nursing homes, assisted living facilities and other professional offices. Sometimes it takes place in what we think is “safe and comfortable” home.

                      Work with professionals to develop a safety plan that ensures the individual’s well-being. It’s a tough decision, but their safety comes first.

                      Final Thoughts on Detecting & Preventing Elder Abuse

                      Elder abuse is a serious and often hidden issue that requires our vigilance and commitment to addressing as dedicated care partners. By recognizing the signs and taking prompt action, we can protect our loved ones and ensure they live with the dignity and respect they deserve. 

                      It’s our responsibility to act when we suspect abuse. Let’s be the guardians they need, the voices they can rely on, and the heroes who won’t let abuse go unnoticed. Our loved ones deserve nothing less. 

                      If you need guidance, reach out to me here.

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