Caregiving is often a gradual role, and one we don’t realize we’re in until much later. We may start simply by picking up groceries, helping around the house, or running errands and before we realize it, we’ve taken on more responsibilities. Most of us are not prepared for this caregiving role and have delayed asking questions and having crucial conversations until there is a crisis. Below are some essential areas to consider when preparing for your role as caregiver.
Home Safety
Ensuring the home is safe minimizes the risk of injuries for your loved one. Observe how they move around their living space and perform daily tasks. Identify any unsafe situations and make necessary modifications, as well as perform routine maintenance. Examples of easy ways to improve home safety include ensuring adequate lighting and relocating frequently used items to more accessible areas. Gradually progress to addressing tripping hazards and installing grab bars and rails for added support.
Finances
Discussing finances can be challenging, but it's essential to start gathering information. Begin by collecting details such as the name of the bank without delving into specific account balances. Create a comprehensive list of:
Income -include the source of income, frequency, and whether it is via direct deposit
Accounts - include the location, name(s) on the account, and account number. Consider seeking permission to be added to relevant accounts for easier management.
Debts, loans and mortgages
Life insurance, annuities and other policies
Bills and expenses - note which ones are automatic payments and whether paid by credit card or bank account
Legal
Ensure that your loved one has designated a durable power of attorney for both financial and healthcare decisions. Confirm the availability and willingness of the designated agents to assume these roles if necessary. Verify the existence of a will and any trusts, and make sure you know where these legal documents are kept.
Healthcare
Compile a list of your loved one’s healthcare providers, medications, and equipment. Inquire about any existing health conditions and whether they have an advanced healthcare directive outlining their preferences for treatment in case they are unable to communicate their wishes.
Insurance
Document all active insurance policies, including automotive, homeowners, and renters insurance, as well as medical, dental, and long-term care coverage. Ensure that policies are current and provide adequate coverage.
Future Care
Initiate discussions with your loved one about their preferences regarding future care needs - such as whether they are comfortable having someone in the home to assist them or moving to a supportive living community. Learn about community resources and benefits that could help support your loved one as their needs change.
Support for You as a Caregiver
While every caregiving situation is unique, it’s important to remember that you are not alone. Talk with others about your situation - they may have had similar experiences and can share tips and resources with you. Consider consulting with an elder care specialist or joining a caregiver support group.
By being proactive and taking these steps early, you can provide better support to your loved one when the need arises, as well as alleviate stress. Mellie can help you prepare by creating a personalized plan and identifying resources. Contact us to learn more about how we can support you as a family caregiver or download our Elder Care Preparation Checklist to learn more.
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