Preparing to Age in Place
Many of us in the Aging Well Support Group express similar concerns. We are currently doing o.k. in our homes, on our own, but recognize that disabilities may be on our horizons.
Can we be reasonably proactive about this?
What can we do to stay in our homes as long as possible?
What can we do to gracefully reach out for assistance when we need it?
What can we expect the costs will be as we try to imagine the economies of our lives as we age?
What modifications can we make now that will make life easier when we have less strength and energy?
Interested in more discussions like this? Go to the Aging Well Support Group.
Thank you for your helpful and inspiring post. I am not a hoarder, but there are a lot of things I no longer need or use. Soon the local thrift shops will be the beneficiaries.
With each passing year there seems to be more paperwork. And recently my health insurance has started printing its statements in the finest print possible, smaller than anything I could produce. I´ve let them know that their effort to save paper is an effort that is causing problems. I appreciate your comment that sometimes it is the work ethic that needs adjustment. I, too, grew up in a family where work was never finished. But we all did stop at 8 pm so Mom could listen to "One Man's Family" on the radio.
Aah, paperwork, the bane of keeping orderly records!
Have you considered opting out of paper statements and receiving everything electronically?
It has been a game-changer for me.
Now when info comes, I drop it into on-line folders, depending on whether it is a bill to pay, an Explanation of Benefits, info from my doctors, or info about my insurance policy.
Now I'm never searching for random pieces of paper. I have my husband forward his to me for filling too. Since we cleaned it up, we got rid of a 4 drawer file cabinet.
Be Sue to back it up! Mine is in the cloud and on a memory stick.
I have two separate hard drives for backing up. But I don't have a regular schedule of backups; that I need to change. And both separate hard drives are here next to my computer, neither is in a separate location like the cloud. That I had better look into. Yes, my 4-drawer cabinet is mostly a guardian of memorabelia of the children's early years which doesn't interest them.
Hello All, I always thought I was going to live my entire life in my beautiful home. However, over the last 8 months or so I have been diagnosed with 3 different neurological diseases that are each debilitating and have no cure.
Now I’m trying to figure out what I need to do to raise funds. Finding a place for a patient with multiple issues is going to be challenging.
Our plans can and do change on a dime!
We really need a discussion here about what private insurance, Medicare, Medicare Advantage, and Medicaid pay for in home care. There is wide-spread belief that Medicare only pays for a few days and will only do that after a hospital visit. But we just learned that regular Medicare will pay for about 100 days of in-home care for my son in law who has been diagnosed with Alzheimers and has to have someone with him all the time for his safety. When that runs out, Medicaid will add in-home caregivers prior to the need for nursing home care, but I’m not sure for how long. I wonder if any of this can help your situation. My daughter just had to pay an attorney a bundle to learn about Medicaid. This expense should be unnecessary, but I digress. She learned that there are 13 states that don’t take all a working spouses retirement plan savings when a dependent spouse is in that period, both when they require nursing care at home and after they enter a nursing home. This is such important information but even the in/home health agency I spoke with did not know it. However, I verified it was true with an elder law attorney.
Dear SusanEllen-
I'm sorry about your health problems.
It sounds like you will need professional guidance to find what is available. You might try the search link on this web site. < https://www.aginglifecare.org/ALCAWEB/ALCAWEB/What_is_Aging_Life_Care/What_you_need_to_know.aspx?hkey=9f537cde-78a3-466e-8b9b-2fb19ef78401>
@edsutton have you used to them?
Thank you for your supportive thoughts. Millions of people have been touched by good ministers. As @sueinmn points out, retired pastors are still normal human beings, and the pastoral habits often don't end at retirement. I enjoyed a number of years serving as a volunteer visitor with hospice. Sitting with people near the end of their lives was a pleasure. I had spent many years of hours visiting people in their homes or a local coffee shop where retired ranchers hung out every morning. My father was my mentor in ministry, as I'm sure his father was for him. House calls were a regular part of his day. When I got my learners permit I started driving him to homes all around the county we lived in in New York, and I discovered one of the reasons he had gained weight. Tables were spread with an array of delicious goodies!
Because we were a family of 8, we didn't have many invitations to dinner, but we lived in an apartment above the church and every Sunday there were more than 8 at the dinner table after church. Oven fried chicken and apple pie was the norm, and the scents of the baking leaked from our apartment to the church area.
The problem with having close friendships with church members sometimes causes jealousy or thoughts of favoritism. Unfortunate but true. So, we made an effort to be friendly with everyone. As is true in any group of people, not just the church, it's wise not to appear to pander to members of wealth, for pretty obvious reasons.
It's sad to read the statistics of men and women leaving the ministry because of burnout, isolation, loneliness, inadequate income, disenchantment and other reasons. Mental health issues plague, including suicide.
While I'm saddened to read those reports, I know that they represent a small minority of people in ministry. I can't quote the numbers, but most are happy with their vocations.
Some denominations provide retirement plans and pay ministers adequately. Others have no retirement plans. Many churches make their own decisions as to compensation. These arrangements have a big impact on aging. In the denomination I serve, retirement plans are available but optional, at the discretion of individual churches and pastors. I opted to have part of my salary invested with a safe, high yield program through the denomination, but it only amounts to a couple of years of income. We worked for more than 40 years well below the poverty level, with no health insurance for the first 30.
So, aging in place or in any kind of facility is a very real concern for me. Having lived in poverty has prepared us for our present reality, living on our Social Security. We are blessed to get $23/month EBT. That doesn't sound like much, but it qualifies us for other assistance. We receive energy assistance for heating, which is a huge deal. A local organization inspected our house and recommended a number of improvements - out with carpet, in with Pergo, new front door, new windows, metal roof, insulation in the attic and under the house, a new Toyo stove - and they financed all of it with a 1% interest loan payable when we sell our home. Things like this are making it possible for us to live in our home comfortably longer than we might have.
One thing I thought of the other day as I was washing the dishes - it would be very helpful to have the faucet on the side of the sink instead of at the back. It could be awkward moving dishes from the counter next to the sink with a faucet in the way. Surely there's a solution out there.
I've addressed some of the issues faced by aging ministers, but many of them are faced by people of all walks of life.
BTW, I'm not having a pity party - just facing realities of my chosen vocation. I'd make the same choice again, though I hope I'd do some things differently by virtue of experience.
Jim
Appreciate you sharing your story. We too live on a fixed income. But keep our eyes to the hills which cometh our help.
God always keep his word and always bless us above and what we ask.
We know from experience as ministers and normal people that test, trials and tribulations are a part of life.
We live our reality giving thanks for all the precious souls he sends to help us and the ones he sends us to help.
I bid you peace and blessings.
Live, love, laugh and happiness always.
Your question is very broad.
The web link is to a page from the Aging Life care Association, a national organization of health care professionals who have skills and knowledge to help people find assistance needed as we grow old and ill. The link will tell you about individuals in your area.
One of the local members came and talked to our neighborhood "eldertea" meeting, talking about the range of options available when we need help. She didn't charge for this.
And she stopped in our home to assess our environment for aging in place. Because we are close to major universities and medical schools, there are many resources, including health care majors who provide basic home help at minimum wage!
You'll have to try the link and see who is available in your area. (just enter your zip code.)
Since you are facing multiple illnesses, I hope you'll find someone soon who can help you plan your future needs, at home or in a care facility if necessary.