First, Assess the Level

of Needed Care

You may not be aware that there are different levels of senior care - - from in-home care to outside the home day care to assisted living facilities to skilled nursing homes, and everything in between. So the first step is to determine what level of care will be appropriate.

Next Choose the Right

Care Facility (or Care Provider)

The Care Manager then helped save me countless hours of time and effort by recommending several assisted living facility "placement agencies" (also known as "senior living advisors"). They do the initial scouting of available facilities in a particular geographic area, matching the level of care desired against what is offered by each. Based on the living advisor's past experience with various facilities, he or she can narrow the choices down and recommend a few. (Be aware that the living advisor usually is paid a referral fee by the facility you choose; this doesn't increase the cost but does mean you should get several recommendations of living advisors and maybe do a little online checking of facilities yourself.)

Consider Budget Restrictions

(and Know What The Care Provider Really Charges!)

At the same time I was evaluating facilities, I determined what was financially feasible by meeting with a financial advisor (Mom had one at Pence Wealth Management). Based on Mom's available resources and long term care insurance, I was able to come up with a range of what was possible. (By the way, when comparing the costs of facilities, I would caution you that you need to clearly understand not only their "base" fee but all the other "additional charges" that may be involved, so you stay within budget!)

Then The Most Difficult Part Arrived:

Taking and Admitting Mom into the Facility!

Mom never had "the conversation" with her children as to her senior care preferences. For years, she had merely expressed that she never wanted to go to a nursing home (because she had seen her mother suffer and die in one). Mom simply declared she wanted to live at home for as long as possible. However, it eventually became clear that Mom couldn't be alone and none of her children could provide the almost 24 hour care she needed. Unfortunately, when it was time for the decision to move her to an assisted living facility, Mom's dementia had increased to the point that the decision couldn't be left to her. So we had to make it for her.

So Here's My Advice to Parents

You've probably done an estate plan (or should do one, if you haven't!), in order to ease the transition of your financial, medical and personal matters to your loved ones when you become disabled and pass away. But, given the reported statistic that more than 70% of those over age 60 will requires some form of senior care during a "twilight period" of anywhere from 2 to 10 years (or more), you can and should do more. Develop a senior care plan with your children now. If you don't take the lead, your children probably won't feel comfortable talking about it - - until it becomes a very different situation for you and them, like what I and my siblings went through.