The headlines in the Nursing Care at Home newspapers tell the story Older Americans filing for bankruptcy in increasing numbers. Many hid their economic problems from their children as they saw how they too were struggling to survive in a ever changing job market. However, the children were not taken by surprise as their parents were who expected the American Dream to continue as it was all their lives.
As an aged Care Nurse I have seen family step in and force their Mother/Father into a Nursing In-Home Care in Cleveland Home. Usually it is when a family member has Enduring Power of Attorney and believes that the Elderly person is no longer safe/nor able to look after themselves at home. Then it becomes an issue of yes the Children Can force a parent to live in a Nursing Home... but that usually means that the Elderly Person is no longer able to make their own decisions - financially or personally. If an aged care person reaches that stage then they are not fully aware of where they are (as in place) or why they are there.
Don't try to be perfect. I've often felt like my house should be sparkling clean, my children should be dirt-free, and all my affairs should be perfectly in order---all because I don't work outside of the home. The truth is, that is not a reality for any stay-at-home mom. In fact, I think that it is even harder to be organized with your kids at home all day than if they were away at day care! So, don't sweat it if the laundry piles up for a few days, or the dishes go unwashed until the morning. The housework will always be there, but your children will grow up in a blink of an eye. Spend as much "fun time" as you can with them now.
You may not be using your policy for 10-20 years. What will happen to your LT care insurance company by then? Will it still be financially strong? What will happen to the US healthcare system over the next 10-20 years? It is sure to change significantly. Will there be universal healthcare by then which will include LT care? How much will Nursing Care at Home in Northeast Ohio homes cost in 10-20 years? How much will medical technology change over that time period? There are lots of uncertainties surrounding LT care insurance over such a long time period.
When someone chooses to buy certain packages over the entire contract, they may think that they are saving money. However purchasing all the seasons treatments together will help someone save money by bundling everything. A full payment and schedule is more cost effective than breaking it all down.
If your area doesn't have an R&R, then check with your states child care licensing agency. This is usually going to be the Department of Nursing Care at Home Human Services, or the Department of Social Services, or the Department of Health, and they can help you in your search.
If you are using a facility to care for your loved one get to know them and trust them. If you have chosen to keep your loved one home don't be afraid to use a professional sitter service to give yourself some time to get away. Your marriage and your children still need your time. Even if you only hire them to take a few hours to do some things for yourself like going to a movie or the hairdresser, you will handle the challenges of elder care better if you take care of yourself. If the emotional stress of accepting the inevitable becomes too great, seeking out the services of a counselor with experience in grief resolution could be meaningful to help you cope during this very emotional time.