Everyone hopes to live well into old age, but no one wants to think about when it’s time for assisted living. If your parents are older, there’s no time like the present to start the conversation about long-term care with them. Planning is critical and having their input before they need care can make all the difference for them and you. Here’s how to talk to them about long-term care planning.
Starting the Conversation
Even if it’s tough, the conversation about long-term care, assisted living, and nursing homes is necessary. Starting the conversation is the hardest part. It’s essential to be caring and respectful, and acknowledge the difficulty of the topic. Express your desire to do what’s best for them and want them to have input into where they’ll live and what kind of care they’ll receive.
What to Talk About
When discussing long-term care for your parents or loved ones, there are some must-cover issues to include.
- Where they’ll live and receive care – your parents might want to stay in their own home for the rest of their lives, but in some cases, that isn’t practical, realistic, or safe. Discuss nursing homes nearby, assisted living facilities, and other options they’re comfortable with.
- Who will care for them – some elderly couples can care for each other well into their senior years, while others need assistance from healthcare professionals. Discuss the options and create a plan b.
- Discuss the finances – long-term care, including independent living, assisted living, nursing homes, and memory care facilities, can be very costly. Do they have savings to cover the costs or assets they can sell to cover them? Do they have long-term care insurance coverage or Medicaid? This important part of the conversation can mean the difference between a standard facility and someplace that feels like home.
When you’re ready to talk with your parents about long-term care, let an experienced legal team help. Contact McCutchen McLean, LLC for help with estate planning to ensure your parents get the care they need when they need it.