I paid a price greater than I had imagined

I paid a price greater than I had imagined -
When I wanted to have my father at 83, moved in with my husband and me, you could say that I am an idealist or being overprotective, or I bite more than I could chew.

At the time, I would have argued with you vehemently, but you would have been right!
Based on my commitment to my father, my sense of duty and my own idea of ​​what awaits you in my new role as a caregiver (and little research or actual planning), in my mind, I 'm ready.
"It will not be a problem," I reassured my husband. Daddy cool-not Alzheimer's disease, he takes care of himself and does well to move into the house. Of course, he needed limited assistance to live alone, but he was still active and robust father I had known all my life.
I can now tell you-complete with battle scars and learn as -you-go frustrations-how quickly I learned significantly a family is affected when they are not at all prepared to provide care. I did not know that

• You can not take a vacation without vis-assistance ($ 20 per hour). In my case, my father refused to go to a nursing home in the short term and I felt guilty.
• senile dementia of my father, but not very noticeable at first, deteriorate and trap us so we could not go to the store or elsewhere for more than several hours, lest he decide to cook or walking in the street alone, neither of which he could do without injury.
• many and inevitable health problems may arise with more frequency, making me miss the time critical work.
• dream of my husband to build a restaurant for a retirement income falls overboard because it would cost more to support my father while we were both working extensive hours.
• The treatment of memory loss and an associated combative cause fights, arguments and guilt.
• The progressive need of care would create a need for "sitters" more qualified if my husband and I managed to get away for a few days. This care was needed to prevent bedsores, maintenance, feeding tubes, and monitoring of dubious continence.

My father lived to be 0 years old and was near the end of his retirement savings when it passed a way. I kept my promise to have to stay with us for as long as he could, but I paid a higher price than what I could imagine all those years when I made that promise. I am more convinced than ever that the planning of my own years later with tools such as long term care insurance is a must for me and my family.
Although you can not predict everything, long term care insurance would have helped eliminate unnecessary stress and some unknown to me while I was looking after my father. In other words, it offers caregiving options that ensure that you or your family members get the care you need without depleting your savings.
long-term care insurance ensures that families should not assume the many requests for provision of care alone. In addition to nursing care in a nursing home or assisted living facility, most long-term care insurance plans cover adult day care and home care that can give caregivers a well deserved break (and well deserved!) of their caregiving responsibilities. Some plans also have flexible options that will cover the care provided by friends or family members, training for caregivers, changes in home and medical equipment.
Not everyone likes to talk about age and planning for our later years. It can be a very emotional subject. But finding a simple, hassle-free solution will give you peace of mind knowing that your financial security is protected and you receive the care you need.
I encourage you to use long term Awareness Month Care as an opportunity to learn more about the resources and products available to plan your needs for long-term care to come and start this important discussion with your loved ones.