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Saturday, December 3, 2016

By Kimberly Lankford, Kiplinger Personal Finance

When Donna Braley was 79, her family started to notice she was having trouble doing things that she’d always loved to do — crocheting, cooking, doing crossword puzzles. Because her children lived in different states, it took a while for them to piece together their stories and realize that their mother needed help.

The family hired a geriatric care manager, and “her assessment made it obvious to us that Mom would soon no longer be able to live at home without full-time caregiving,” says daughter Kathi Dunn.

The family moved Braley to a semi-independent apartment in a locked Alzheimer’s facility in Roseville, California, near her son Scott and his wife, Amy. But after she was there for a few months, she became combative and difficult to manage. They found another Alzheimer’s facility, “but it was too large,” says Amy. Braley would roam the hallways and go in and out of other people’s rooms, disturbing their belongings.

When money started to run short, the family searched for another option. They heard about a 15-person facility that focused on dementia, which seemed like a better fit and was less expensive. The third time was the charm.

For the past two years, Braley has required total care and uses a wheelchair full-time, but staff at her new home have found ways for her to be as active as possible. When her grandchildren visit, they play in the backyard as if it were Grandma’s house, and the residents’ families watch out for one another.

Start the search

When it’s time to get extra care for your parents, you may be forced to decide quickly, especially if your parent has been in the hospital and needs extra help as soon as he or she is released.

“You’re making a traumatic and important decision under pressure,” says Byron Cordes, a geriatric care manager with Sage Care Management, San Antonio, Texas. “The hospital may say you need to move your dad by the end of business today, then just hand you a magazine about senior-living options and say, ‘Good luck finding a nursing home.'”

Cordes recommends taking the time to find out exactly what your parent needs. That often means talking to the staff doctor, social worker, nursing personnel, case manager and discharge manager. It may mean hiring a geriatric care manager to help coordinate the various care providers.

It can be challenging to balance quality and cost. The median price of a private room in a nursing home tops $6,900 per month, and assisted-living facilities cost more than $3,400 per month, according to the Genworth 2013 Cost of Care Survey. So unless your parents have long-term-care insurance, they — or you, if you’re helping pay the bills — may not be able to afford the ideal setting for long. Medicare covers very little long-term care, and most people aren’t eligible for Medicaid until they’ve spent most of their money.

Now new resources can help you make the decision.

“The landscape has changed for senior housing,” says Andy Cohen, CEO of Caring.com, where people share reviews of nursing homes and assisted-living facilities. “Some are more like college dorms for seniors, with good food, transportation and activities. A lot of children feel guilty, but after they visit these places, they say that Mom’s healthier and happier.”

Assisted living in many cases can take the place of nursing-home care, at least in the early stages of care, says Sandra Timmermann, a gerontologist in Fairfield, Conn. Some facilities have continuing care, and residents can move to another wing in the same facility if they need more supervision.

You can also hire a caregiver to provide extra assistance in an assisted-living facility so you don’t have to move your parent to a nursing home. People with dementia and Alzheimer’s have many options for memory care.

Medicaid generally covers nursing homes but not assisted-living facilities, so your parents can usually choose assisted living only if they have enough savings or long-term-care insurance. (A few states have Medicaid voucher programs, which allow a limited number of people to use Medicaid money for assisted living; see Medicaid.gov for each state’s rules.)

The Medicare Nursing Home Compare tool assesses more than 15,000 nursing homes throughout the U.S. based on inspections, complaints and staffing ratings. But it doesn’t include most assisted-living facilities, which have different licensing requirements in each state.

You can go to the Eldercare Locator or a local Area Agency on Aging for help finding assisted-living facilities, but these resources don’t assess the services. Review sites, such as Caring.com, let you see others’ experience with the facilities.

Several services can help you with your search. CareScout includes ratings and profiles for more than 90,000 assisted-living facilities, nursing homes and home-care providers. For $495, you can work with a care advocate, who helps assess your needs and narrow the list to three or more facilities to visit; the advocate can also negotiate discounts at the facilities. Many Genworth policyholders get free access to CareScout for themselves or their parents, and some employee-assistance programs include access to similar services.

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