8 Ways To Finding Low-Cost In-Home Care For Seniors
In this post We offer eight suggestions to finding Low-cost in-home care for seniors. When your elderly relative lives alone but requires assistance with everyday tasks, it may be time to hire an in-home caregiver.
Getting assistance also helps you to take frequent breaks so you don’t burn out or jeopardize your health if you’re their primary caregiver.
However, employing a caregiver is costly.
8 recommendations for elders looking for low-cost in-home care
1. Rather than using a home care agency, hire an in-home caregiver privately.
When compared to hiring a caregiver through an agency, hiring a caregiver on your own is typically 20-30% less expensive.
This strategy, however, will not work for everyone.
Background checks, bonding, insurance, training, worker’s compensation, taxes, and backup care if the caregiver is unavailable are typically handled by agencies.
You will be accountable for everything if you hire privately.
2. Make use of technology for observation and companionship.
Nothing can replace in-person assistance and companionship, but technology can help cut down on the number of hours an in-home caregiver is needed.
Monitoring or medical alert systems, for example, keep older individuals safe, while medication management systems ensure that prescriptions are filled on time, video chats allow relatives to check in frequently, and online shopping reduces errands.
3. Use tax credits and deductions to your benefit.
If you identify your older adult as a dependant, you may be eligible for state or federal tax credits or deductions for caregiving expenses.
You can get aid with these from tax preparation software or tax advisors. Alternatively, you could seek free tax assistance from an IRS-certified volunteer.
4. Make low-cost house changes to lessen the danger of falling.
Making their surroundings safer will go a long way toward making caring for an elderly person easier and providing you peace of mind.
Many states and non-profit groups provide financial assistance to low-income seniors who need home renovations to make them safer and more accessible.
Look for home-improvement assistance programs in your area.
5. Reduce in-home caregiver hours by using free or low-cost respite care.
Respite services, which are essentially free or low-cost caring for seniors who qualify, are offered by state and non-profit groups.
If you received 10 hours of respite care from one of these programs, you would have 10 less caregiver hours to pay for.
6. Enroll in free or low-cost meal programs.
Many seniors find it difficult to eat regular, healthful meals due to the cost and physical labor involved in shopping and cooking.
Meal services such as Meals on Wheels give healthful subsidized meals, with delivery.
When you sign up for a meal delivery service, you won’t have to pay an in-home caregiver to shop, cook, or prepare food, which cuts down on the amount of hours you’ll have to hire them for.
7. Save money on home heating and cooling
Utility expenses can be costly, especially when the weather becomes increasingly harsh. There are two options for lowering these costs.
1) LIHEAPs are government-run energy assistance programs that help people pay for their utilities.
2) State weatherization assistance programs that help pay for energy-saving home modifications.
3) Sign up in an adult day program
Adult day programs are facilities where seniors can get care, meals, and activities during the day.
The daily cost is significantly less than in-home care, and seniors benefit from the social engagement.
Many day programs also provide transportation for seniors to and from their homes.
You could combine a few days at an adult day program with a couple of days of in-home care to get full-time care while keeping costs low.
Alternatively, for even more expense savings, enroll your older adult in a full-time adult day program.