Choosing the Right Care Facility:
When an individual can no longer live independently or requires short term care after a hospital stay, the process of selecting the best alternative care to meet the person’s healthcare needs can be confusing. Often nursing home residents, regardless of age, suffer from chronic illness.
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The ends of life decisions are inevitable. The planning is up to the surrogate decision maker of the individual. Advance directives such as a living will or a durable power of attorney can go along way in protecting the rights of a person if written wishes clearly outline end of life decisions.
Long term care insurance is not a new concept. It has been a viable option that can offer a few available mechanisms for individuals to protect themselves against the catastrophic costs of long term care and could potentially provide coverage for millions of Americans from catastrophic long term care costs. It allows insurance policies pay a daily maximum amount for covered services. Basically, when you buy a policy, you decide the value of the daily maximum amount and the length of time your benefits will continue.
My oldest daughter once confided in me on what makes her handle life in general, especially with all of life’s pleasant surprises.
“If you want to make God laugh, tell him your plans”.
Long Term Care Placement Decision
“The image of his face as the elevator doors closed is burned into my brain. That day was a major turning point in, and the saddest day of my life (Peter S. Silin, 2001, p. 6).