The Terrible F-word…Fear

As baby boomers assume more and more responsibility for their aging parents a number of issues move to the forefront—questions that need to be answered, fears that need to be soothed.

Providing appropriate care for our aging parents places a huge and unexpected burden on young families. Adult children are torn as to how to offer the most appropriate care for their parents.

Here are a few suggestions which will help ease the fear that accompanies the decisions for our aging parents.

Private caregivers verses company hired caregivers. The first choice of family members for the care of their elder parents is immediate family members. However, extended family quickly dissipates as the weeks of care progress. Immediate family members have the responsibility to care for their own families as well as their parents. One cannot interrupt the regular schedule of a home for an extended time without dire consequences.

A second choice is to hire private duty caregivers. These usually come from friends or  media sources such as classified ads. Though there are many wonderful caregivers found through this method, families are placing themselves in a high risk situation.

If a private duty caregiver is ill or out of town, families are left without care for their senior. For every one caregiver hired outside a company that is wonderful there are five who will not be reliable.

Most insurance companies will not cover any injury to a private duty caregiver under the homeowners policy. Why? This is a workman’s compensation claim and most general homeowner polices do not provide coverage for “employees” of the homeowner. You are at serious risk to be sued to cover major medical expenses.

Backgrounds checks are costly and difficult to attain for the average individual. Most families will only attain a county background check and assume their search is complete. Full background searches through a national data base are necessary to protect your family and your senior from serious consequence.

The benefits of a caregiver company.  There is no question that it is more costly to attain the services of a company who provides caregivers. However, the benefits far outweigh the cost.

By hiring a licensed and bonded company you are hiring quality and responsibility. Many companies are not licensed, bonded, and insuranced even though the State of Tennessee requires these items. Companies who are licensed adhere to the strict standards set by the State and Federal guidelines and are accountable for their actions. Families who hire companies have a mediator in the event there should be any questionable actions of the company providing care.

Companies provide their own liability insurance as well as their own workman’s compensation to cover their employees. And quality companies bill the client, taking any financial responsibilities away from the caregiver and providing records for insurance and accounting.

You will not be left without care. Companies provide quality caregivers and should one become ill or be unable to work, they are able to replace that caregiver quickly and keep your family on track.

By hiring a quality company such as Comfort Keepers, the needs of your loved one will be met with pride, love and compassion taking the fear away from the family and allowing exceptional care that is necessary to keep the aging parent comfortable and happy.

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