She wants to stay in her house. Her preference was made clear from the time
she was widowed. She does not want to
move. But can we keep her safe and keep
her well cared for in her house?
I cannot begin a discussion on options for providing care
for an elderly family member without discussing the topic of elder abuse. Per the National Center on Elder Abuse,
Bureau of Justice Statistics, 5,961,568 elderly persons were abused in
2010. That’s 9.5% of the elderly
population that year. Fifty-eight
percent (58%) of these cases involved neglect – the main problem we were trying
to solve. Twelve percent involved
financial exploitation – a problem we were keen to prevent. Mom needed what little money she had to pay
for her care for the rest of her life.
We didn’t want to provide any unwanted opportunity for anyone – no
matter how well meaning – to shatter her financial integrity.
Family discussions on providing better care for Mom revolved
around three major options.
Option 1: Find a
family member or a college couple to move in and care for Mom.
Pros: Free rent in exchange for care would be the
least expensive option. Mom would be
able to stay in her house.
Cons: The person/people in question would likely
not be professional caregivers. And as
much as we would hope to be able to screen a potential care giver, the
opportunity for this type of caregiver to commit a form of elder abuse is quite
high.
Option 2: Pay a
professional caregiver
Pros: The person or company providing the care
would be trained and licensed. There
would be a legal recourse if elder abuse were detected.
Cons: It’s very expensive. Caregivers charge an hourly rate; rates are
higher if 24-hour care is needed.
Option 3: Assisted
Living
Pros: 24 hour professional care in a setting where she
would not be alone. We were surprised to learn that the assisted
living facilities we researched were actually less expensive than paying a
professional caregiver in her home.
Cons: She would have to leave her home.