Caregivers and Finances: How to Make Ends Meet While Providing Care for a Loved One

Caregivers want their loved ones to be as comfortable, happy, and healthy as possible. That’s why, when people decide to provide care for a family member, they find themselves putting their loved one’s needs ahead of their own. This often means that caregivers make professional and personal sacrifices while providing attentive, loving support for others. In many cases, they encounter financial struggles because caregivers have to cut back on their hours at work or quit their jobs altogether.

If you are a caregiver who is concerned about your financial future, you need to know that you are not alone and that there are a few financial aid options available to you. We explore the following topics to help you learn how to spend more time caring for your loved one and less time worrying about your finances:

  • General Financial Challenges Caregivers Face
  • Financial Aid Options for Caregivers
  • Tax Incentives and Other Financial Help

General Financial Challenges Caregivers Face

helping on hillOne of the main reasons caregivers face financial challenges is they need to cut back on the hours they work in order to provide care for a loved one. AARP’s recent report on caregiving in the United States found that an estimated 40 million Americans provided unpaid care to an adult in 2014, and that 60% of caregivers balanced being employed with providing care to a loved one.

Yet, caregiving often becomes a full-time job, and if caregivers cannot hold their traditional job, they face financial difficulties. In fact, a recent survey shows that 80% of all long-term care in the United States is provided by unpaid or informal caregivers. Studies also show that 75% of caregivers who experience financial strain as a result of providing care to a loved one are women.

Unfortunately, many people face the decision of whether to leave their job to become full-time caregivers. The decision certainly is not an easy one: those who choose to care for a loved one lose not only their income but also lose their retirement benefits and health insurance. And, nearly 15% of caregivers also provide financial support to their loved ones, which leads to depleted savings accounts or retirement accounts.

Financial Aid Options for Caregivers

If you have some forewarning that your loved one will need to become a care recipient, and you are interested in becoming a paid caregiver, you should educate yourself about home care costs, financial planning, and financial aid for caregivers. You may discover that your loved one can afford to pay you to care for him, or you may realize that it is more affordable for your loved one to become a resident of an assisted living facility than it is for you to care for him.

If, however, you need to become a caregiver sooner than you anticipated, there are some financial aid options available for caregivers to receive compensation. For example, you may be eligible to receive aid through Medicaid’s Cash & Counseling program or veteran-directed home and community-based services program. Some people who remain employed can take advantage of employee benefits such as paid leave for caregiving.

Tax Incentives and Other Financial Help

Some caregivers who are ineligible for financial aid look for other options for payment. One option is tax incentives. Those who meet certain qualifications can deduct medical expenses and mileage and benefit caring handsfinancially. You also may be able to claim your care recipient as a dependent on your tax return. It’s important to keep in mind you will not receive your incentives as quickly as you will financial aid.

Another option is to determine whether you are eligible for unemployment insurance benefits. People who have no alternative but to quit their jobs to become caregivers may qualify for unemployment insurance (UI). The key is to determine whether you live in a state that is friendly to caregivers and considers caring for a loved one a compelling reason and good cause for choosing to leave a job.

People often have to make a difficult choice: quit a job and lose income and retirement benefits to become a full-time caregiver or try to juggle employment and caregiving duties. Studies and surveys find that caregivers do face financial hardship. However, some financial aid and alternative options for becoming a paid caregiver are available to people who want to support their loved ones with loving, attentive care.

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The Benefits of Reminiscence Therapy for Seniors

For both the elderly and their caregivers, the ailments and struggles that come with aging shadow a more carefree, happy past. We’re busy focusing on medication management, installing new handles in the shower or researching assisted living facilities. As dementia, Alzheimer’s or other cognitive issues strengthen their grip on a loved one, many feel as if they’re losing that person they once knew. A similar identity crises may be going on inside for them, as well.


Old photographs serve as a good tool to trigger memories from long ago.
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For many residents of assisted living or seniors at home with caregivers, reminiscence therapy has proven to be a beneficial activity on many levels. Reminiscence therapy, recalling events from the past using the senses–objects to touch and hold, smell, sound, taste–can range from the simple act of conversation in your loved one’s home, to a certified therapist using props and clinical methods to help an Alzheimer’s patient retrieve long-ago memories.

The benefits of reminiscence therapy in assisted living facilities or at home with a caregiver can be long-reaching. Elders often become isolated from their identities as their memories begin to falter, and as the day-to-day issues of living overwhelm the past. Establishing a way to connect with long-ago memories can help re-tie that rope to familiarity. Other benefits include:

  • Increased ability to communicate. Often, when you watch someone re-tell a story, you watch them come alive with memory and emotion. Research has shown new pathways in the brain form as a patient remembers the past.
  • Provide relief from boredom, a distraction from day-to-day problems.
  • Alleviate symptoms of depression and helps cope with aging.
  • Reestablish life meaning for a person through connection to the past and reassert that person’s feeling of importance.
  • Increased self worth and sense of belonging in the world.
  • Preserve stories and memories for future generations.

Helping Your Elder Recall Memories from the Past

Many who suffer from Alzheimer’s or have other memory loss issues (read about “what causes memory loss”) can’t remember simple things from the recent past, like what they had for breakfast, who came to visit the other day or the name of their granddaughter’s husband. But memories from early childhood and young adulthood may come readily with a little prompting. Methods to get your loved one talking include storytelling–you start a known family story and prompt him or her to finish the story–or simply start by asking questions. You can take 15 minutes out of your day, or more formally, record the memories or conversations on a digital camera or voice recorder. Here are some good conversation starters:

  • The cost of items in the 1950s — for example, eggs were $0.79 a dozen, a Chevrolet Corvette was $3,000 and Saturday matinee movie tickets ran between ten or 20 cents. (source Moby Tickets)
  • What was your favorite TV show or movie from the past?
  • Where were you when…? When Kennedy was assassinated, Neil Armstrong walked on the moon, when the Russians launched Sputnik.
  • What was your first job?
  • Talk about your favorite trip or travels.
  • Find a knick-knack, old photograph or other item in the attic or off the shelf and ask about its history.

Other tools include scrapbooking software that allow you to scan and arrange photos into memory books to prompt discussion, books about memorable events in history and the Senior Moments Game, a board game that helps–in a fun way–to prompt memories.

Caregiver Benefits of Reminiscence Therapy

You may have heard the story over and over, and your first thought is to tune it out. However, tuning in to the story, making eye contact, and asking questions brings about true, engaged communication with your loved one when other communication is difficult. Using the prompts, you may discover a new story, and you may see your mom or dad, aunt or friend in a new light. And regardless of the repetition, we connect with a greater humanity when we share stories.

Many assisted living facilities offer some type of formal memory therapy programs. If you’re seeking assisted living or at-home care for your loved one, ask about established reminiscence therapy programs available to you.

Home Help for the Elderly: Is it Right for Your Loved One?

Many older adults desire to stay in their homes as long as possible, avoiding placement into an assisted living or senior living setting. This can be a viable option as long as an elderly parent or loved on has adequate help in the home as additional care and support becomes necessary.  It is important however, to research the range of options available to maintain this desired lifestyle. There are different levels and types of care which can be offered in the home depending on your loved one’s needs.

Make Decisions Early

All too often, families don’t have discussions or make these decisions until  a catastrophic event occurs and it becomes absolutely necessary. Other family members (in cooperation with physicians and other healthcare providers) are then faced with determining whether arrangements can be made for their loved one to remain in her home or whether an alternative living arrangement, such as nursing home placement, will be necessary.

Home care can be more affordable than residential senior living settings, depending on how much care your loved one requires. But home help providers can’t provide more complex services, and non-medical in-home care is not covered by Medicare or Medicaid in most cases.

Evaluating Your Options

There are a few questions you should ask yourself if you’re considering hiring at-home care for an aging loved one. These questions will help guide you in making the right decisions for your family.

  • What support do you have available? Do you have family, friends or neighbors, and how willing are they to become involved? Are there people in your life who can and will step in when needed to help with the lighter aspects, such as house cleaning, errand running, or providing a respite for the caregiver?
  • Do you have the financial ability to pay for care? Obtaining help now or in the future is something you should budget for. Also, look into what the financial obligations are when using a home health or private agency so you can create a financial plan in advance. Call your local office of aging and inquire about what services they provide and about income guidelines.
  • What are your loved ones medical needs? Does your elderly loved one have chronic medical conditions that will inevitably worsen over time? This is specific area of concern when evaluating your options. Consider mobility and health concerns,  possible future complications and how you might handle them.

Finding the Right Home Care Services

Once you have determined your needs, it’s time to evaluate what services your loved one will require to help maintain her independence. It’s time to look for outside providers. Ask among your network of friends and family to find out what local services might be available. Sometimes the best referrals come from your personal network.

Older adult resources such as the Area Agencies on Aging, eldercare specialists such as geriatric care managers, and senior centers can also be great places to start. When it comes to home health care, your physician will also be able to help with the referral process and may have recommendations or advice.  . Insurance providers will sometimes cover a portion of the costs associated with homecare services, if the care is necessary due to a medical condition.

Full-Service Agencies  vs. Independent Providers

There are two main types of in home care available to seniors: Full-service agencies and independent providers.

  • Full Service agencies typically range from companion services to complete nursing services. They can be more expensive but the trade-off is their caregivers have often been carefully screened with extensive background checks. This provides a little peace of mind and helps you feel comfortable with the caregiver in your home. Most states require these caregivers to be certified according to specific state standards, such as taking an examination to become a CNA.  And if a caregiver is unable to work due to illness or emergency, a replacement is typically sent to the home when using the full-service option.
  • Independent Providers are often less expensive.  However, you’ll want to do the legwork to carefully screen your employee. It’s also a good idea to check backgrounds and verify identities. The other downside is not having a readily available replacement should your employee is unable to work on any given day.

Home care can be a viable option for helping your loved one remain independent and in her own home. It’s not right for everyone, however; some seniors prefer the socialization and activities available in senior living settings, and not all families can afford the costs associated with in-home care. Finally, your loved one’s needs may eventually exceed what the agency is able to provide, making a move to a residential senior care facility necessary.

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Role Reversal: Cohabitating with an Elderly Parent

As the population continues to age, few things become more apparent than seniors’ desire for independence coupled with wanting to stay in their own homes. It’s a comfort thing: Most people want to grow old in their home, surrounded by their personal belongings and memories. Not to mention, the exorbitant costs associated with care outside of the home either in a long-term setting or assisted living facilities seems far out of reach for many of today’s families.

Nowadays, there are more and more adult children who end up cohabitating with their aging parents, whether that means the child returns home to get back on his feet or an elderly parent moves in with a child’s family to downsize or when it becomes unsafe for them to live alone. In the last 15 years, the number of seniors living with an adult child has skyrocketed, thanks in part to the high costs associated with getting outside help.

Living with elderly parents
Families provide the bulk of long-term care

It’s estimated that over 10 million adults over the age of 50 are responsible for the care of an aging parent. That’s about one in five Americans taking over the responsibility of a parent either in their home or paying for their care, according to the most recent statistics from the National Family Caregivers Association (NFCA).

What’s more, Focus on the Family reports that families–not institutions–are providing 80 percent of long term care, meaning there are a lot of family caregivers out there providing the bulk of caregiving services for today’s elderly population. . As baby boomers are living longer and having healthier lives, any care that is needed for the aging parents typically becomes the children’s responsibility.

As people grow older, there are many ailments and conditions which may lead to the need for outside help. Cohabitating with aging parents can take the place of some, if not much, of the need for this assistance. A cohabitating arrangement can prove beneficial and rewarding, but it could also create plenty of complications.

Talk out the details first

Most children have good intentions when they decide living with an elderly parent is the best option. However, these situations can go south very rapidly if all the details weren’t given much thought before the decision was made.

Addressing every topic beforehand, such as finances, and evaluating how to establish unity among everyone involved can ease much of the tension associated with living with aging parents. Here are a few topics that should be considered prior to cohabitating with mom or dad:

  • Who will pay the bills? Will your parent be expected to contribute financially?
  • Are there young children involved, and how can they be prepared for this change? Be sure to discuss the situation and explain, even to very young children, why Grandma or Grandpa is moving in and what it means for them.
  • Do you need ground rules for young children? The roles can get mixed when multiple generations live under the same roof; be upfront about disciplinary roles and expectations to avoid hurtful confrontations.
  • What medical needs does your elderly parent have? Who will be responsible for taking care of any care needs, appointments and supplies?
  • Is it safe for your aging parent to be alone during the day? If not, who will be caring for her while your family is away? Look into options such as adult day care if needed.

Living with mom or dad

Share responsibilities with siblings

If your aging loved one requires a great deal of care, enlisting other siblings to help can be a good idea. If you have adult siblings who live close enough to help with daily activities or transportation to doctor appointments, it can alleviate the amount of stress placed on the child with whom the aging parent resides.

Make plans in advance and discuss these options with your elderly parent and any siblings who will be participating in care. Again, advance planning goes a long way in avoiding unpleasant disputes down the road.

Check into community resources

Researching all the options available in your community, such as respite care can also help alleviate some of the burden. It’s important for families entering into a cohabitating arrangement with an elderly loved one to know all their options and have ample support. Ancillary resources that can help include:

Living with elderly parents can and does work, provided there is sufficient space, privacy and boundaries for everyone involved. Mutual respect and a place to go when one has had enough family time are also crucial to a successful cohabitating arrangement.  Cooperation, advance planning and flexibility are all critical to the family’s happiness.

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8 Tips for Talking To Your Parents About Assisted Living

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Having “the talk” can be difficult, emotional, scary. But putting off the subject for another time might leave you with no time for pre-planning. If you’re considering talking to your parents about assisted living (and you probably should be), here are a few tips.

1. If you have siblings, discuss the assisted living option with them first.

The future plan for your parents as they age might be different in your mind than from your siblings’. Make sure you all can agree, or find ways to discuss your disagreements before bringing the topic up with your parents. If disagreements are strong and you can’t have healthy discussion, involve a social worker in your conversations. An unbiased third party can often bring resolution.

2. Bring the topic up before you’re forced to bring it up.

Pre-planning allows you to control the situation, the setting and the direction of the conversation. If it’s possible, choose a time when there’s a network of family or friends available, and when the people involved are happy and relaxed. Open dialogue when everyone isn’t feeling stress or immediacy allows your elderly parent or relative to offer his or her feelings on the subject. It’s dialogue rather than directive.

3. Be willing to revisit the conversations more than once (or a dozen times).

The first crack at it might be unsuccessful. Even just thinking about getting too old or not being well enough to live on your own is a scary consideration. That first conversation may, in fact, just be the ball that gets a long process rolling. Be willing to ride it out.

4. Have options in mind.

If your parents or loved ones are willing to look at brochures, or even tour facilities, have the materials, websites or addresses ready. Being involved in the decision may make your mom or dad feel better about the eventual move.

5. Be ready to discuss the financial aspect of assisted living.

Do you know your parent’s financial situation? Have they planned ahead for long-term care or is there a fixed budget in place for daily living expenses? Personal finances are just that–personal, and delving into the checkbook, savings account and investments–or lack thereof–may cause friction. If it’s possible to involve a financial coach or expert in fiduciary matters, look into services in your area.

Listen to an interview with Sheri Samotin about financial management and fiduciary planning.

6. Make it a bi-annual or annual conversation.

If you begin the process early enough, and you don’t face decisions under duress, the topic of assisted living can be one you assess regularly. After six months or a year have passed, look at how your parent is doing. Assess his or her health, abilities, happiness and safety.

7. Come to the conversation with an educated but open mind.

If your goal is to convince your parent(s) to move to assisted living, then be prepared to discuss the pros and cons. Maybe it’s never having to mow a lawn or shovel snow again; having tasty, warm meals prepared each day; meeting new friends or becoming involved in social activities or classes they’d given up. The safety of an on-site healthcare team might be appealing if declining health is an issue. On the other hand, listen to how your mom or dad is feeling about the topic and show you understand–and really try to understand!–his or her viewpoint.

8. Breathe.

Whether you’ve taken the pro-active path and have time to research the issues and options, or you’re facing a crisis and feel pressure to make an immediate decision, remember to slow down and breathe. Use resources like AARP, Assisted Living Federation of America, American Seniors Housing Association or the National Council on Aging, to help with the tough decisions.

The Difference a Year Makes

With the holiday season approaching, families will soon be gathering to celebrate together. Today with more miles separating us from our loved ones due to job commitments, many people may only see their elderly parents or relatives at this time of year. A year can be a long time and many elderly heath issues including mental health issues may crop up during this time that you cannot detect just from a phone call.

Elderly status can change drastically in just one year.

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You may be surprised when visiting your parents or other relatives to find evidence that may lead you to suspect a decline in their physical or mental health. This may indicate they may be in need of home services for the elderly in order to remain in their homes, or it may be time to consider a residential home for the elderly for their best interests.

What to Look For

Does your relative appear to have lost weight? This could be a sign of elderly mental health or physical problem. They may be too weak or just uninterested in cooking for themselves and could benefit from home delivered meals for the elderly. Their medication may also be causing weight loss by having an effect on their appetite or changing the taste of the foods they used to enjoy. A more serious consideration may be that they are suffering from an illness such as heart disease, cancer, Alzheimer’s or depression that may be affecting their weight or their ability to cook.

Look at their prescription or over-the-counter medicine bottles for expiration dates and make a list of any medications they are on and keep it for reference if needed in an emergency. If you have concerns about what medications they are taking, discuss this with your relative, and if you still have concerns, suggest that you both visit their doctor to discuss them.

Does your relative seem to have balance problems? This may be health-related and put them at a higher risk of falls. You may want to investigate ways to improve home safety for the elderly. Some steps you can take are making sure to eliminate or move any items that may cause them to trip or fall such as unsecured rugs. You will also want to make sure any dangers are eliminated in the bathroom also. This may mean installing bars for the bathtub or a raised toilet seat to reduce the danger of falls in the bathroom.

Examine their home environment when you visit. If your parent(s) have normally kept their home neat and clean, this may be a sign that they are starting to have a decline in their physical or mental health. Are there piles of clutter, dirty laundry, or unpaid bills lying about? Is there evidence of cooking mishaps such as burned pots or scorched stoves or ovens? They may be beginning to slip in their abilities or lack the energy to do their chores on their own anymore.

What to Do if You Have Concerns

First, you do not want to insult your parent(s) or relative(s) and put them on the defensive by making them think you are going to take their independence away from them. Express that you are concerned for their wellbeing, and that you have noticed a big difference since your last visit. Suggest that you both speak to their doctors to rule out any unknown health issues. Often, declines in physical or mental health could be stemming from interactions between the medications they are taking. They may also be feeling shut off from the world and in need of social interaction. By pinpointing the causes, you are taking the first step toward improving their quality of life and in the end; your parent(s) or relative(s) will appreciate your concern for their wellbeing.



Startling Statistics Concerning Suicide among Elderly Men

Studies have shown a startling trend in the increase of suicides among older adults, which has brought the subject of elderly mental health into the spotlight. Statistics from the National Institute of Mental Health show that suicide among older adults is more common than most realize and more disproportionate to suicides committed by any other age group.

Depression among elderly men may go unnoticed.

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Adults over the age of 65 represent only 12% of the people in the United States, but they represent 16 – 25 percent of all suicides that occur in this country. What is surprising is that four out of five suicides are committed by elderly men. The numbers increase drastically for white men over the age of 85 to 50 occurrences out of 100,000 men.

No Previous Warning

What is even more disturbing is the majority of elderly suicide victims gave no indication that they were considering suicide and had no outward signs of depression. Many had been seen by their doctors in the month and even days before their deaths. Even though practitioners are trained to recognize symptoms of depression, which can be crucial in preventing suicides, often there are no signs exhibited by their patients.

Concern for Elderly Men

While depression plays a large part in many of these cases, other elderly health issues can increase feelings of hopelessness and not having anything left to live for. Social isolation can increase these feelings also. This is the case for many elderly men who tend to become more socially isolated than women do. The risk increases for elderly widowers because their wives managed many of their social connections. Once their wives has passed, these social connections may be greatly reduced or totally cease.

Elderly men may also find themselves losing a sense of purpose because they were poorly prepared for retirement and now do not know what to do with themselves. This is especially true if they have never developed interests or hobbies outside of work. The added stress of being alone may become too much to bear and they feel they would be better off dead.

Risks and Signs to Watch For

As with so many elderly health concerns, if an older man finds himself facing the prospect of going through a major health crisis such as cancer alone, this can become overwhelming. This is one major risk in which to be aware. Returning home after a stay in the hospital can be a trying time for many and can increase the risk of suicide.

One signal that may suggest depression is taking hold of one’s life may be drastic weight loss. This is often because they have stopped eating as their will to live fades. They may also stop taking their medications and sleep more often. They may also appear very sad and say such things about being a burden on others, and how their family would be better off if they were gone. This is not a normal stage of aging; this is a sign that help is needed, and now.

What Can You Do?

The key to helping to prevent depression and suicide among the elderly is to help them remain socially active and involved in activities. These activities could be of any type whether joining a senior center or a book club. Getting the person involved in volunteering for their church or local school or museum will give them a sense of they are making a contribution and have a purpose.

If you suspect that an elderly person you know is exhibiting signs of depression, take steps to stop them from becoming a statistic. Help find mental health services geared toward the elderly for them immediately. If you feel that they are in immediate danger, contact your local hospital for an immediate referral.

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10 Essential Tips for Caregivers

Caring for a loved one or employer should not make you forget about taking care of yourself daily. Caregivers have a stressful strenuous rewarding job that seems to go on forever. Having help and support, while taking care of yourself will make you a better caregiver and allow you to be a better caregiver for your loved one. A few tips will help you become the caregiver you want to be.

Signs of Dealing with Stress

Many caregivers get into the habit of worrying more about their loved one and letting their own health, needs and thoughts go out the window. When you focus on just one person other than yourself, worry about everything you are doing, what is happening to them and have other forms of pressure you may have anxiety and stress without even noticing the warning signs that something is wrong. Signs of stress that you need to watch for include the feeling of tiredness or overwhelmed feelings most of the time. A change in sleeping habits or a change in your weight can be a sign that you are stressed out. Additionally losing interest in any other outside activities or hobbies you had is a key sign of stress. The rest of these tips are about how to deal and reduce the stress a caregiver may be going through.

Asking and Accepting Help

If you are feeling overwhelmed with caregiving do not be afraid to ask other people for help. Have a list wrote out of stuff that you feel comfortable having other people take care of. This list may include stuff such as chores, errands, meals or even letting you get some time to yourself while they care for your loved one for an hour.

Take Breaks

A caregiver should always have some time to himself or herself every day. A good rule of thumb for a caregiver is to get at least an hour a day away from the cared loved one. This gives the caregiver time to relax for a few and follow some of their own hobbies and interests or exercise while letting their mind recuperate.

Respite Care

Having respite care is a great opportunity for caregivers. This allows the caregiver a few hours off every day or every few days to take care of them. A relaxed caregiver is a happy caregiver. Insurance often covers the cost of an experienced respite caregiver saving the family time, stress and money. If you worry about leaving your loved one with someone else, make a detailed chart detailing the schedule of what needs to be done and if any medications are needed.

Support Groups

Support groups can offer advice and encouragement to a caregiver. They have all been in the same situation the caregiver is in and know how you feel when you want to vent or ask a question. Support groups are also a good place to meet new people and make friends that understand what you are going through.


Staying emotionally connected with friends and family will help reduce the stress a caregiver feels. Support groups can offer other social outlets and connections to finding experienced respite caregivers and opportunities for a caregiver to get help with errands and meals.

Set Personal Goals

Set goals for what you expect to do each week and a longer goal for a month ago or in a few months to a year from now. These goals could include more time to yourself, better health, and weight loss or even to learn a new hobby.


Educating yourself about your loved ones condition and care can help relieve the stress of not knowing what is going to happen. Between doctors, books and online you should be able to find many resources explaining the situation going on and what to expect in the future.


Your health as a caregiver is very important to your happiness and your loved one’s well-being. Caregivers are often stressed and busy throughout the day and part of the night lifting, moving, and twisting around to make sure their loved one is cared for, and everything else is done too. Make sure you exercise regularly, get fresh air every day, eat properly and relax. Routine doctor appointments are also a good goal to make to increase your health.

Pride and Rewards

Have pride in what you do, not everyone can handle the responsibility of being a caregiver to their loved one. Reward yourself with time away from your duties or something new each time you reach one of your goals.

Using the Internet for Locating Caregiving Information Caring for the Elderly

As our family members age it’s important for us to take care of them in their time of need. They are wise, they’re experienced, they’re the ones who truly lived. It’s important not to neglect the elderly just because of their age. We shouldn’t just put our grandparents in homes unless it’s necessary. They’re a part of us and should be taken care of properly.

Caregiving Information on the Internet

The internet has become the prime source of locating information for the elderly. There are specific organizations designed to take care of the elderly whether it be because of illness, disability, or heat/cold risks. In the winter and summer, the elderly are especially prone to contracting dangerous diseases and sicknesses. When it becomes very hot, the elderly are the most at risk, so proper care is a necessity. is a U.S. government site that is an important tool for those seeking caregiving information.

On the site, it lists specific information regarding costs, support, and care options. It also includes other resources and a basic guide for those unfamiliar with the site. It provides an opportunity for seniors to get the medical help they deserve. It enables them to look at certain costs and find out what caregiver can adhere to their needs.

Different Conditions for Seniors

Every senior citizen has a different condition. Some are disabled, which means they might be unable to walk. Every caregiver is trained to each specific condition, which is why there are thousands of caregivers out there. Some are more equipped to deal with chronic illness, some are equipped to deal with those who are handicapped, and some can do both. The site shows conditions such as Alzheimer’s Disease, Cancer, Heart Disease, Kidney Disease, and Diabetes.

Each condition comes with its own specified resource guide. For example, those who have Cancer can learn about their illness, learn how to cope with it, and find a caregiver designed to take care of them. The same goes for any other condition including prevention tips. Not every elderly citizen has a condition, which is why prevention becomes even more important. We would like our senior citizens to live a full life, and prevention is key to achieving that goal.

The Costs of Caregiving

Often ignored but never forgotten, the cost becomes crucial when seeking a caregiver. The cost depends on your insurance, claims, expenses, and prescription drugs. Other costs come into play when mentioning nursing home care and at home caregivers. The costs are probably the most grueling for family members who are looking to help out their elderly loved ones.

There are people who can not afford healthcare, but is able to at least provide information on paying for care. There are multiple solutions for those who can’t afford healthcare. No healthcare shouldn’t be an excuse to not take care of the elderly. On the internet, there are financial guides, planning tips, and advice for handling the costs. There are payment plans available, so individuals do not have to pay high costs at once. There are different health insurance options online that one can research about. The cost doesn’t have to equal the end, so work around the problem and see what can be done.

Securing the Seniors

Nothing can be more satisfying than knowing your grandparents are safe, secure, and taken care of properly. It can take the weight off your shoulders knowing you can still go to work, take care of your own family, and be able to take care of your aunts, uncles, parents, and grandparents.

Having an older parent or grandparent with an illness can be heartbreaking, but at least now there are multiple research sites out there that specifically target those individuals. There are so many tools and caregiving information online these days that it’s hard to see how your elderly loved ones are not taken care of.

There are even nursing homes out there designed to take care of a person’s special needs with specified caregivers taking care of the elderly everyday. The fear about your loved one’s condition will always exist, but at least now you can breathe a sigh of relief.

What is the Geriatric Depression Scale and What Can You Do if You Suspect your Elder Relative is Depressed?

It is not unusual for older adults who have debilitating health conditions and loss of independence to feel depressed. Depression may also affect older adults because of situations such as limited financial resources, or  grief from loss of their friends or older relatives. This is why, for a patient of any age, it’s important to properly diagnose and treat depression so that he or she can enjoy a higher quality of life and avoid further health risks, or, at the very worst case, suicide.

Common Symptoms of Depression in the Elderly

Families of elderly individuals might notice behavior changes that might signal depression. Older adults who suddenly become withdrawn, show little interest in activities that were once enjoyable, and those who start misusing over-the-counter medicines, prescription medications, and alcohol could be suffering from depression. Expressions of hopelessness could also be signs of depression in older people. Since other health complications are more common as we age, it becomes particularly important to get a proper diagnosis and rule out the possibility of other health conditions causing depression-like symptoms. To do this, healthcare professionals and caretakers can make use of a geriatric depression scale.

What is a Geriatric Depression Scale?

A geriatric depression scale is a tool that can be used to assess depression or the potential for depression in older adults. The scale uses simple questions to measure the level of depression, type of depression, and what could be the underlying causes.

Sample Questions on the Geriatric Depression Scale

Each of the questions on the geriatric depression scale is designed to provide insight into an older adult’s emotional state. Examples of questions on the geriatric depression scale include the following:

  • Are you bored?
  • Do you feel that something bad is about to happen?
  • Do you feel that most people have a better life than you?
  • Are you happy most of the time?
  • Do you feel helpless?
  • Are satisfied with your life?
  • Do you ever feel worthless?
  • Do you enjoy going out, or do you prefer staying at home?

Potential Challenges in Using the Geriatric Depression Scale

It should be noted that assessing older adult can be difficult because other factors enter into the equation. For the person with dementia, recalling information or understanding the questions would be challenging.

Another problem with using the tool is that bias may enter, since some older adults may not be completely forthcoming with their answers. In other words, they might answer the questions based on what they think is acceptable to the person conducting the assessment.

Successful Use of the Geriatric Depression Scale Leading to Treatment

Fortunately there is help for older adults at risk for depression. Families, children of older adults and health care professionals should not assume that sadness, and being secluded are “normal” signs of aging. Healthy older adults enjoy independence and socializing with others. When an older adult exhibits behavior changes that signal depression, a thorough evaluation by a qualified mental health professional or therapist should be accomplished. Evaluations may reveal the reasons an adult feels depressed.

Treatment for depression in older adults may include medication and psychotherapy. In a situation where the older adult has lost a significant other to death, grief counseling may be helpful. In this case, the individual should expect to feel better as time passes and he or she has moved through the grieving process. In other circumstances, therapeutic interventions such as hospitalization, long-term counseling and anti-depressants may be prescribed to alleviate depression. Since depression can lead to substance abuse or misuse, when such is the case, substance abuse counseling or treatment might be prescribed.