Senior care refers to the fulfillment of a senior citizens' special needs and demands, specifically unique to senior adults. This broad term covers a number of services which are specifically directed towards fulfilling the needs and interests of senior citizens. While many of these senior care programs can be found on the governmental level, many are provided through the efforts of private organizations.
One type of senior care commonly offered by many voluntary organizations is home care. This can be in the form of skilled assistance provided by skilled nursing personnel, professional health aides, or other trained individuals. These professionals are appointed to provide such services as cleaning, laundry, bathing, helping with toileting, cooking, medication reminders and other clerical duties, light housekeeping, and other tasks needed by an elderly senior citizen. These services are usually conducted at the residents own residence or when called upon by the senior citizen.
In addition, there are a number of independent organizations that provide senior care services to those who need them. These organizations have been around for several years and are now starting to grow into major players on the insurance market. For example, Medicare Part D requires most seniors to purchase long-term care insurance, also known as Medicare Part B. Numerous companies have come into existence to fill this need, such as the Independent Association of Retired Persons (IARP) and the National Association of Insurance Commissioners (NAIC). These organizations work toward developing and implementing policies for senior care so that the insurance holders can choose the best coverage options available.
Another type of senior care is provided through in-home caregivers. This type of service often works with an elderly adult who has either limited mobility or has problems with common household activities. These caregivers are often nurses or other health care professionals that live in the senior adult's home. Companies such as Hogan, BestBuy, BP&G, Sears, Wal-Mart, CVS and others provide many different in-home caregivers to their customers.
Senior citizens may also turn to assisted living or in-home health care centers. There are several different types of senior care homes that include; skilled nursing facilities, adult day care centers, respite care and nursing-home facilities. These options can be tailored to meet the specific needs of the individual person. Often times, doctors, therapists and other specialists can be included in the long-term and in-home care programs to make the experience more comfortable for the senior adult.
Many senior citizens prefer to remain in their own homes rather than move into a long-term care facility. One benefit of remaining in their own homes is that the senior is closer to family and friends and can spend time with them more. It is also more cost effective as they do not have to pay for long-term care insurance premiums. Most long-term care insurance policies cost thousands of dollars annually.
Senior living provides many benefits to the senior citizen. They are less lonely because they can spend more time with friends and family members. They have access to grocery stores, shopping and entertainment centers, which allow for more social interaction and reduce isolation. There is a greater chance that the elder care may be required in order to prevent disability or other serious medical problems in the future.
Most people want to retain their independence and not have to depend on others. Long-term care insurance helps to ensure that the senior living option is available to them in the event of a medical crisis. Insurance is typically less expensive for the elderly and the average cost is much lower when compared to traditional Medicare or Medicaid. The cost of an assisted living facility can be even lower than the cost of nursing home care if it is properly cared for by a trained staff.