One of the toughest decisions a family can make is how to care for an older family member when they can no longer care for themselves. In days gone by the older folks in the family lived with future generations and everyone cared for everyone else. Unfortunately, our society has changed and things really do not work that way anymore, at least with some cultures in America.
A solution to this problem is to pay for a care facility and more the older member of the family into the location, where they can get the very best care to help them enjoy quality of life and dignity in their old age.
It's not easy to find a good old folks home or an assisted living center, but if you can find a good one it can often be a wonderful thing. Many assisted living centers are pushing $3,000 per month and they are not covered by Medicare or Medicaid.
One answer is to buy long-term care insurance, which most financial planners do recommend to their aging clientele. Sometimes it makes sense to check the state's health care facility registers for complaints, and the A-A-R-P's list of recommended facilities.
Many professional care consultants recommend asking around for referrals and they also recommend taking the time to check out the location, do a walk through, and talk with current care seniors already there. Elder Care Facilities and Old Folks Homes have changed a lot over the years and it's amazing how well they have advanced. Many elder seniors prefer facilities like this, where there are people their own age to socialize with.
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