Showing posts with label senior health insurance. Show all posts
Showing posts with label senior health insurance. Show all posts

Thursday, 19 March 2015

Senior Home Care



My mother, who is 77 years old, suffered a stroke last year. As a consequence, she has had to leave her independent life behind and go live with my brother and his family. However, my brother and his wife both hold full time jobs and, as good as their intentions may be, they need help in looking after our aging mom while she continues to stay with them. This kind of scenario raises a valid concern for a lot of people in the same position. How do we care for our senior parents when we’re so busy (sometimes overwhelmed) with our own day to day lives? 

About 1 in 4 Canadian seniors receive home care each year, and about 50% of those seniors rely on friends, family, or neighbors to provide them with the help they need. Sadly, home care for the elderly can be quite a challenge, especially for those loved ones who must meet the demands of a boss, tend to the well being of their children, and submit to various other responsibilities. Sometimes it’s best to leave home care to the professionals!

Home care is not only valuable to the caregiver but also to the elderly because it allows them to continue leading a somewhat independent life. It can also delay the need for hospitalization, as well as decrease the likelihood of institutionalization, which subsequently benefits the health care system.

The most common types of home care programs usually include providing transportation, home maintenance or housework, and meal preparation. Depending on the state of the senior’s health and mobility, assistance with eating, dressing or bathing is sometimes required.

Use the services available in your community to help you look after your loved one. Organizations like The Red Cross  offer services such as bathing, feeding, grooming, meal preparation, companionship, and grocery shopping. The Red Cross was the first to bring Meals on Wheels to Canada, a program that helps those who are unable to shop for groceries and cook their own food by delivering nutritious, delicious and affordable meals to seniors in the comfort of their home. 

Health insurance plans specifically designed with seniors in mind are significantly helpful.  Some of the benefits not only include coverage for health care services, but also cover the rental of medically necessary equipment such as crutches, non-electric wheel-chairs, hospital beds, oxygen, and other types of remedial appliances. 

Having a private health insurance plan can make a big difference in the quality of your life during the golden years. It makes good sense to examine your options now.

Tuesday, 23 December 2014

Retirement and Health Insurance



A great number of Canadians are working well past the age of their desired retirement and it’s not necessarily because they want to keep busy! Many people remain active in the work force for financial reasons, the like of which could be based on health issues that require the health insurance coverage they receive in the workplace. Under such circumstances, they find it worrisome to contemplate retirement.

People who are fortunate enough to have a health insurance plan at work must take into account the fact that they will lose that coverage once they retire. Aging Canadians, who suffer from chronic health conditions, understand the importance of health insurance as they deal with the costs of prescription medications and medical treatments. Some provinces subsidize certain expenses for those over 65, but not all medicines and treatments are covered.

Working Canadians must bear in mind the ‘what if’s’ when considering retirement. For those who are beginning to deal with health issues, one of their main concerns is this:  Will I be able to absorb the medical costs should I need a caregiver (a personal support assistant or nurse) when I retire? Home care expenses can run anywhere between $2,000 and $5,000 a month, depending on the level of care required. 

As we age, our body changes.  One can expect diminishing vision and increasing dental upkeep, and one should also be prepared in the event that the aid of medical devices might be required to help with mobility or hearing loss. 

There’s a way to alleviate your worries. CAA Health & Dental Insurance offers enhanced plans to early retirees and seniors that specifically address the needs of particular age groups. Health insurance companies - CAAhealth.ca - understand that every life stage has its own specific needs and for that reason, they offer customizable packages that fit the needs and the budget.