There are many reasons people don’t want to think about the possibility
they will need assistance with the activities of daily living as they
age. One reason is the mistaken belief that a decline in their abilities
automatically means a loss of independence and a move to a nursing home.
However, this does not have to be the case. For people who do think about
the possibility and then plan ahead financially for the possibility, a
whole spectrum of assistance choices other than the nursing home open
up to them. These choices include home health, independent living communities
and assisted living communities.
Home health companies can provide assistance to you in your home. A variety
of options are available including assistance with shopping, transportation,
housekeeping, meal preparation, laundry, bathing and dressing.
Independent living communities let you leave the worrying about yard and
home maintenance to someone else. You live on your own in a private apartment
and enjoy the community amenities, eat in the common dining room and can
even arrange for someone to clean and do laundry for you.
Assisted living communities are similar to independent living communities
but with additional personal assistance. You can still enjoy living in
your private space and participating in community life but help is available
to you with the activities of daily living such as bathing, dressing and
managing your medications.
So, needing assistance doesn’t have to equal needing the nursing
home if you take steps to put financial plans in place now to take advantage
of these alternate choices later.