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If you or a family member are caring for someone and would like to go on vacation, consider these options:

  1. Adult children take over.

  2. Adult children take over with the help of a home health aide in the morning to a assist with bathing and dressing for a few hours a day.

  3. Assisted Living Facility possibly close to the adult children’s home so they can visit.

  4. Nursing Home.

  5. 24-hour home health aide (live in).


To shop around for the best daily rate ask the following:


  1. What is included?

  2. What might be an add-on services?

  3. Discuss specific needs that your family member has and if the facility is equipped to handle those needs.

When speaking with any of the above-mentioned resources refer to a short stay as “respite” and usually the assisted living facility will have a furnished room for these types of stays. Short stays require you pay in full prior to the person’s arrival. It is important to ask about the refund policy if for some reason the person changes their mind and/or goes to the hospital. If the person needing care has a long-term care insurance policy and their doctor certifies that the current illness will last 90 days or more, I would suggest submitting a claim and the respite stay maybe covered by the insurance policy. All policies vary; therefore, you must check with your insurance carrier for specific details and qualifications.

If you have any questions about long term care insurance please do not hesitate to contact me by clicking the button below. I am here to help you or your loved one age with dignity.




 
 
 

Are You & Your Parents Prepared For Aging?

The Five Wishes document is a Legal Living Will that can easily guide you through the conversation and documenting your care and comfort choices. It let's you choose the person you want to make healthcare decisions for you if you are not able to make them for yourself.



I am available to come speak to you and your group about the FIVE Wishes. I can speak in person or virtually about the Five Wishes. If you are interested in having me speak to your group please click the button below. I look forward to helping your group age independently with dignity.





 
 
 


My book, “Key Solutions for Caregivers” is realistic and simplistic information for caregivers. The main goal was to help caregivers stay organized in order to reduce stress.

Not only does it provide simple definitions to what is: Medicare, Medicaid, Long Term Care Insurance it also covers the differences between levels of care. The caregiver can also write down important information such as: insurance coverage ID numbers, financial account information, doctors names, veterans information etc.. This information is important for not only for the caregiver but for other family members as well.


I purposely left blank pages in the back of the book so the caregiver can take notes and document observations of the patient’s condition in order to prepare for doctor’s appointments and I would personally staple the doctors business card to the pages within the book.



The specific information provided to the health care provider allows him/her to diagnosis and prescribe the correct care plan.



 
 
 

Guiding Your Enthusiasm for Independence (732) 651-1495
Caldwell, NJ USA

© 2024 by Lorraine Spiotta Insurance Consultant

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