How Do I Take Care of My Aging Parents?

Caring for the elderly is not an easy job. For many, it can feel overwhelming when aging parents begin to need help. And, balancing your own life while caregiving can take a toll on your health. However, it doesn’t always have to be a burden. With a few tricks and tips, it can be a fulfilling experience for everyone involved.

Your parents will need you, but they won’t want to feel dependent. After a certain age, they will suffer from hearing loss and bad eyesight. They may need assistance with daily tasks or updating their insurance policy.

You may have to help lower their premium payments or explain the latest technology. Perhaps you can help them understand the life settlement industry and organize their medical expenses.

You also must ensure they don’t get cheated by a third-party — older adults are at risk of financial scams. If you’re disorganized, you may unintentionally treat your parents as a burden. Instead, make it easier for yourself with some of these tips.

Space it out

If you do not live with your parents, insist on visiting for long hours every day. Assess what kind of care they need and how much.

Offer to help around the house and do chores for them — but resist the urge to stifle their independence.

Create a list of tasks, and help them stay active and healthy. Don’t try to lecture them or bombard them with advice.

Even if they have a terminal illness, give them space to be themselves.

Balance your caregiving with fun activities. It will help you relax, and your parents feel loved.

Let them make the decisions

Old age brings several health issues, even without chronic illness. The most common include impaired eyesight and hearing loss.

As a close family member, you can ensure that they get the most effective treatment. However, don’t make health care decisions for them unless they’re unable to do so themselves.

For example, if they’re losing their hearing, help them find the right hearing center. However, don’t choose it for them.

If you visit the hearing center with them, let them talk to the audiologist. Of course, you have their best interests at heart and want them to have better hearing. And you may understand the ins and outs of the latest technology and ear hearing aids. However, decisions about hearing tests and hearing aids should be their own.

When seniors look for hearing aids, they want a secure fit or a lightweight feel. They may feel embarrassed and want a discreet invisible-in model.

To help them pick, explain things like advanced noise-processing technology. Talk to them about canal hearing aids, but don’t push them to decide. After all, a superior fit will help them more than fancy external controls.

Behave in a similar way for other health-related issues.

Don’t rule out the professionals

Caring for your aging parents is an act of love. However, in some situations, you may not be able to manage on your own. Your parents may still be healthy. They may not suffer from chronic illness or need help with everyday tasks. However, as they grow old, they will need a helping hand.

You can make caring for them easier with professional help. No, this does not always mean a seniors-only community or live-in nurse. Sometimes, even a home visit from a physiotherapist can make a difference.

Help your aging parents stay healthy and happy. Gift them yoga sessions, or send them on a relaxing retreat. Outdoor activities improve health, and older people often don’t get enough exercise.

If you are already busy with your own life, you could consider hiring someone to help your parent with daily tasks around the house. A caregiver doesn’t have to be around for health-related issues— sometimes it’s nice just to know that someone is there to help if needed.

They can even help with medications by pre-sorting and labeling them, so your parent doesn’t mix anything up.

Research expenses for them

Caring for older people is expensive. Even if your parents have savings for medical expenses, there are other costs to consider. Make sure they have money saved for a chronic illness or sudden terminal illness.

Tailor your research to their specific needs. Will they need money for a retirement home? Do they need to save for terminal illness? Will life expectancy affect their life insurance policy premiums? And, do they need an additional premium? Will they get enough cash payment if they sell what they have?

Older people have a hard time getting health insurance and medical expenses in order. So, this is where you can help your aging parents the most.

Also, help them navigate the life settlement market. Start by asking them to pick some viatical settlement companies they prefer. A viatical settlement purchases their life insurance in the event of a terminal illness.

The cash value is usually enough to cover end-of-life expenses that you may not be able to afford. And, it could help with some medical bills too.

Also, check what life insurance policy they have— and if they don’t have life insurance, convince them to get some. See if you can lower their premium payment by contacting the insurance company to ensure they’re getting a fair price.

Of course, do not do this without permission (like a written agreement) from the policy owner. Stay safe!

Home Jobs By Mom

Krystle Cook – the creator of Home Jobs by MOM – put her psychology degree on a shelf and dived into a pile of diapers and dishes instead. She is a wife and mother to two rambunctious boys, sweating it out in her Texas hometown. She loves cooking, DIY home projects, and family fun activities.