Who Needs a Life Care Plan?

In a recent blog post, we talked about the challenges that our extended lifespan creates these days. Because people are living into their 80’s and 90’s on a regular basis, this creates financial, physical, medical and emotional struggles. Seeing families struggle with massive amounts of financial and emotional stress on a daily basis as their loved ones age caused us to ask, “What can we do to help? Because there must be a better way!”

As a result, the role of Elder Care Advisors were born and this interdisciplinary team now works to identify existing and potential care needs, locate appropriate care, preserve family wealth to the greatest extent possible, and support the family during this incredibly stressful time. They do this by creating a Life Care Plan. You can read more about all that here.

So, who needs a Life Care Plan?

Oftentimes, a Life Care Plan comes about after a trigger event — a serious incident (or series of events) that leaves family members concerned about their loved one’s future. Trigger events can be any of the following:

  • A diagnosis of cancer, Alzheimer’s or any other chronic condition
  • A catastrophic event such as a fall, medication mishap, fire, accident in the home, or car accident
  • Discovering that your loved one is wandering, malnourished, dehydrated, or unable to care for him/herself due to functional limitations
  • Prolonged or frequent hospital stays or emergency room visits
  • A serious medical event such as a stroke, heart attack or aneurism
  • Burnout of the loved one’s primary caregiver

While trigger events like these are the most common motivator for seeking the help of an Elder Care Advisor, some people plan ahead and create a Life Care Plan before crisis strikes. (Read about the different life stages of planning here.) Planning beforehand allows you to be more thoughtful and more proactive in developing a plan for aging. Decisions made beforehand tend to be better than decisions made quickly during the stress and chaos of a crisis.

What services does a Life Care Plan include?

Each Life Care Plan is customized to meet the needs of the individual and family. Most Life Care Plans will include one or more of the following services, but are not limited to these, either. Our team truly tries to identify the most pressing need for the family/loved one and does whatever it takes to help. (They’ve even been known to help with estate sales while clients transition to assisted living.)

Legal Services

The legal issues created by aging, illness, chronic conditions, or disability can be terrifying. That’s why every Life Care Plan includes a customized mix of legal services designed to protect the loved one’s interests and to provide for dependents and other family members now and in the future. Your Life Care Plan will include elder law, estate planning, and advocacy services that are appropriate for your loved one’s circumstances. You and your family can relax knowing that you are surrounded with legal support from experts who are familiar with every aspect of your situation.

Identifying Financial Resources for Care

Nursing homes and long-term care are incredibly expensive, and many families struggle to find and pay for good care for their loved ones. One of our top priorities is helping those families who are facing this urgent issue. We want to give families peace of mind by reviewing ways to pay for care, which might include restructuring assets or investments, understanding Medicare, making claims on long-term care insurance, and pursuing public benefits like Medicaid or VA Aid & Attendance. In addition, we can help with intimidating medical bills, EOBs, and insurance forms. Our Elder Care Advisors can help with, and resolve, many important issues related to healthcare and long-term care.

Care Coordination

Many families who need help protecting an elder loved one’s assets also need help finding and coordinating care. They may also need help with decision-making as the elder’s condition progresses. For example, one of Edwards Group’s Elder Care Advisors is a physical therapist by training, so she assists families in deciding how long their loved ones can safely stay at home, or what can be done to make the home a safer place. No matter the unique issue your family faces, our experienced team will guide you through these stressful transitions and decisions, helping you make the best choices possible.

Client Advocacy

Elders have a legal right to safe, effective, and patient-centered healthcare and long-term care. A Life Care Plan protects those rights. Our attorneys and Elder Care Advisors work together to provide advocacy services that empower family caregivers and protect quality of life for seniors.

If you or a loved one are struggling with the challenges or expense of aging, Edwards Group can help! Just give us a call at 217-726-9200 and ask to speak with one of our Elder Care Advisors. You don’t have to struggle on this journey alone. Help and support is available today.