Many families are unaware that government programs are available that pay individuals for taking care of older relatives. The plans vary by state but most commonly are connected with Medicaid and veterans’ organizations. This is a great help to people who face becoming a full-time caregiver for loved ones but cannot afford to give up their income. Switching to part-time hours may be an option if the relative does not need round-the-clock supervision.
Long-term care insurance is another possibility if the older relative has this coverage. Not all policies provide in-home care coverage, but this should be investigated. The family caregiver should qualify unless the policy mandates state certification. That individual then might be interested in completing requirements to become state certified as a home caregiver.
Considering Assisted Living or a Nursing Home
Before beginning the application process, the individual who wants to become a paid family caregiver should think very carefully about this. Many disabled persons actually have a healthier and more socially beneficial lifestyle when they move to assisted living or a skilled nursing facility. Immediate family members often rebel against this idea because they are determined to keep their loved one at home. That said, being able to receive money for caregiving and cut normal work hours lightens the burden and reduces stress.
Leaving a Job or Switching to Part-Time Hours
It can be easy enough to justify leaving a job if the person doesn’t want to continue working there. However, if this man or woman likes various aspects of the occupation, giving it up can lead to resentment. Continuing to work at least part-time offers the mental and emotional advantage of a change in scenery. It also may provide better chances for socializing.
Once these factors have been thoroughly analyzed, the younger relative may feel confident and satisfied with the decision to become a paid family caregiver. Most commonly, the person providing this care is an adult child of a senior parent. The two may find this time together to strengthen their relationship because the financial weight has been lifted. Instead of paying an in-home caregiver from an agency, the two can enjoy each other’s companionship.