In our last aging-related piece we shared steps on how to successfully move an aging parent closer to you. But, we know many of our #FedLifeHacks followers are or may be caring for loved ones remotely. Here are some tips to help navigate care when your loved ones are not close by.
Whether you are close by or helping remotely it’s a good idea to make sure key paperwork is in place so that you can assist with doctors, financial institutions, government agencies, etc. on behalf of your loved one if you need to. Check out this resource Documents Prepared Families Cannot Ignore.
3. Review Finances
Start by reviewing with your loved ones their current monthly budget. What is their income (social security, pension, retirement savings drawdown, etc.)? What are their expenses (housing, doctors and medication, transportation, food, etc.)? Then move on to how to address possible increases in expenses for additional care. Check out this piece A Comprehensive Guide to Financial Assistance for Senior Care and Living Expensesfor a deep dive on many money matters for the aging.
Federal employees have another resource available to them, and their eligible family members, an optional benefit for Federal Long Term Care Insurance (LTCP) that was established by Congress in 2000 and is overseen by the U.S. Office of Personnel Management. If approved, and depending on the policy selected, LTCP can offer coverage for in-home care, care by friends or family members, adult day care, home modifications, care coordination, caregiver training, assisted living and nursing care facilities. Like most insurance, you have to enroll before you need it.
If your loved one plans to stay in their home, either alone, or with periodic or regular in-home care, now is a good time to ensure the space is safe. Do the showers have grab bars? Can they safely navigate stairs or do they need a ramp, lift, or to move to a different level of the home? Would an electronic emergency alert or security system provide more peace of mind for you and them? Check out this Aging In Place Inspection Checklist for more ideas.
5. Beware of Strangers and Scams Targeting Seniors
Unfortunately identity theft and scams targeting seniors are quite prevalent. Check out the Consumer Financial Protection Bureau’s Money Smart for Older Adults Resource Guide, which details several common scams and what to be on the lookout for. Encourage your loved one to pause when they get a call or solicitation before acting too quickly and check in with a friend or loved one about whether and how to respond to the solicitation.
6. Put your Own Oxygen Mask on Before Helping the Passenger Next To You
Caring for a loved one remotely can cause feelings of stress, guilt, and exhaustion. Remember while you are supporting your loved one to seek out support for yourself too. Most federal agencies offer some sort of Employee Assistance Program (EAP) for their employees. Find out what kind of resources for counseling, advice, or information, may be available to you by contracting your local human resource representative. Remember to review OPM policies for leave related to caring for an ill relative and applying for Family and Medical Leave Act approval.