Keeping a senior loved one in the comfort of their home for as long as possible is a route that many families choose to take. Many benefits come with this type of living, such as increased independence and a slower progression of certain illnesses. However, many seniors still need in home assistance for certain needs.
When you realize that your loved one could benefit from in home care, the next step is figuring out how to pay for it. Fortunately, in home care is flexible and can be scheduled for just a few hours a week, keeping costs reasonable. However, as your loved one needs more assistance, you may be concerned about how to lower the cost of this care.
Let’s discuss some of the most effective ways to afford in home senior care.
Use an Agency
Though agencies typically cost more than hiring someone independently, they can save money in the long run. Agencies take care of things like background checks, insurance and training so you don’t have to. You will also be provided with a backup if your caregiver can’t make it. And, if there are any problems, you have a manager to talk to.
Nothing can replace the value of having someone in-person, but you can use technology to bridge the gaps for when someone can’t be there. Medical alert systems, for example, allow seniors to call for help if they fall or become ill.
Medication systems are available to dispense medicine on time to prevent overdoses. Online shopping can be used for groceries, clothing and other needs, and bills can be paid online using autopay.
Get Tax Credits and Deductions
You may be able to receive tax credits or deductions for caregiving expenses, especially if you claim your loved one as a dependant. Talk to your accountant about your options for taking state and federal credits, or let one of the many tax software programs guide you along.
Use a Meal Service
Meal services like Meals on Wheels provide healthy meals and delivery, and they can be subsidized. The benefits to paying for these services are that your loved one gets nutritious meals delivered to their doorstep, and they cut down on the time needed from a caregiver to shop, cook and clean up.
In-home senior care can bridge the gap before your loved one moves into assisted living, or it can be used as a long-term solution. Fortunately, there are ways to make this service more affordable and attainable for your family.