Saturday, November 10, 2018

WARNING! Long Term Care Comes At A High Cost

We spend time searching for information comparing and evaluating everything from recipes, childcare, books, automobiles and every tech product on the market.

There are hundreds of resources, facts and figures we can check and crosscheck.

When it comes to not just finding a Long Term Care Facility but finding GOOD resources and reviews by actual residents and their families -- not finding a single resource.

In Missouri, we are limited to the "latest" evaluation by the State of Missouri DHSS. If there has been a "problem" -- it's so veiled in "government double speak" you're hard pressed to understand exactly what the violation was.


We need information with content that is clear and concise.

We need more than one year -- at least three and preferably five years.  

We need to change "the system"

It's old, it's obsolete and it's allowing our Seniors to be treated worse than animals and with no respect for their humanity.

Like "Social Problems" as I learned in a course last year, it's most probably because it's "not a problem until enough people say it's a problem".

Just ask this question:  Who do you know who "wants" to go into a Long Term Care Facility?

I've spoken to hundreds of people and have found not one single person who wants to live in Long Term Care if given the choice.

LONG TERM CARE is almost always not a choice but a necessity.

"The average stay in a nursing home is 835 days, according to the National Care Planning Council. (For residents who have been discharged, which includes many who have received short-term rehab care, the average stay in a nursing home is 270 days.)Jun 28, 2018"

This is not a vacation; it's not a resort; it often lacks in the basics we attribute to living in a third world country.

It's dressed up to "show off" when "visitors" are expected; it hides the reality because those of us with our "senses intact" couldn't take it.

LTC is supposed to be for the most advanced cases of medical supervision. 

HOWEVER, it's not always that way. 

Due to lack of financial capability men and women enter Long Term Care because our Federal System of Medicare does not provide for "accomodations" in its coverage for those medically challenged. 

They are forced to "pare down" to less than $999 in "assets" to go on Medicaid. Women usually outlive men; look around at the LTC's and you'll see probably a five to one or higher ratio. 

Of those admitted, check back in a year and the stats will be even higher.

A majority of our aging do not have the financial means to "plan ahead" or Long Term Care Insurance that will actually pay for quality Long Term Care -- and there is a BIG difference in the type of care provided in LTC's.

And, today's program of LTC Insurance isn't like what was offered several years ago -- Insurance companies banked on people not living very long and surely did not forsee how the institutions would "raise their rates" or, adjust them, when they had a resident who "could pay".

Here's another excerpt that opens eyes:

"Although Medicare covers long-term hospital care, you could face significant charges if you receive long-term care beyond three months. In 2018 under Medicare Part A, you only have (had) $0 coinsurance for the first 60 days of each benefit period. For days 61-90 you pay $335 per day of each benefit period. For days 91 and beyond you pay $670 coinsurance per each “lifetime reserve day” after day 90 for each benefit period and you only have up to 60 days over your lifetime. Beyond the lifetime reserve days you pay all costs until a new benefit period begins. "

When will Long Term Care be a Social Problem?

A Social Problem is defined as being an affect on the general population that is recognized by a significant enough number of people to continue to draw attention to it from many sources and resources.

IN ACTUALITY: Long Term Care will continue to be a problem because Society sees the "inability" of individuals to provide for "quality healthcare" as they age -- including these amazing and luxurious residences springing up that now include Independent Living, Assisted Living and Long Term Care -- as NOT SOCIAL PROBLEMS, BUT INDIVIDUAL POOR PLANNING FOR THE FUTURE.

Did my mother want to go into Long Term Care?  NO. I can't recall all the times she said she didn't want to go in "until and unless she had no ability to know where she was".

Sadly, our laws protect those who are "mandated" reporters of "elder abuse" --- meaning specific categories of "trusted" professions--- who are predators and false reporters.

Our "predator", Julia, was and most probably still is -- one of those. 

Mom was convinced by an individual it would be in her best interest but then that individual walked away with cash and visitation rights to see Mom and control her including, in my belief, advancing her symptoms through feeding her delusions. 

Long Term Care even in the nicest facilities is still in the dark ages. 

Until we understand quality of life including personalized care plans reviewed by the family or selected personal representative of the resident, who must be someone not connected to or in any way providing any form of service fo the resident, are the only way to keep the light turned on bringing 


we will continue the endless circle of Long Term Care at a High Personal Price -- the lives of men and women who receive not the best but the least.

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