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People Expect Elder Care But Fail to Plan for It

elder care planningA recent AARP survey conducted in Maui revealed that the majority of residents age 50 and older believe they will need long-term care by the time they are 75, but are not planning for that eventuality. Statistics from the survey showed:

  • 61 percent believed they will be at least 75 before they will need long-term care
  • 54 percent agree with the statement: “I am not planning for my own long-term care because I am just trying to meet my daily living expenses.”
  • 65 percent “are not confident” that they can afford the costs associated with nursing home care.
  • 23 percent claimed they will rely on personal savings and assets for long-term care, while only 16 percent say they will use long-term care insurance.

According to the Long-Term Care Commission report released in 2012, “The long-term care system in Hawaii is broken. Long-term care is expensive and beyond the financial reach of most people.” The latest Genworth Cost of Care Survey showed that the median annual rate for one year in a nursing home was $126,000 – up from $107,000 in 2008. Fortunately, home care is a much cheaper alternative. Working with a reliable agency that offers a quality homecare system or homecare software, such as ClearCare, helps keeps seniors safe and comfortable in their own homes while saving thousands of dollars annually.

It isn’t just the financial issue that keeps seniors from making appropriate elder care plans. Ignorance was a significant problem cited by those involved in the treatment and care of the elderly. When survey respondents asked if they had given “lots of thought” to future long-term health care needs, almost half responded that they had not.

“We all think we are going to die in our sleep, and that’s really not what happens,” remarked Michele Potts, chairwoman of the Core Leadership Team with Aging with Aloha, a coalition of groups that deals with aging issues. Tony Krieg, CEO of Hale Makua Health Services, said that one of the major recommendations of the long-term care report was the need to break this trend of ignorance with education and awareness campaigns.

Planning Ahead for Elder Care

The age old adage “a failure to plan is a plan for failure” is especially true when it comes to elder care preparations. Neglecting to put a few essential plans in place will only result in confusion and frustration.

In the AARP survey, 74 percent agreed with the statement: "I do not want to depend on my family or friends for my long-term care needs." Yet, 57 percent agreed with the statement: "My family or friends will take care of me if I need long-term care." Assuming that family will be able (or willing) to provide care may lead to disappointment. Arranging for home care with a reputable agency that offers ClearCare’s homecare system and homecare software is a much safer solution.

Living expenses during your elder years will likely differ from your retirement years, so it’s important to strategize and set appropriate budgets. You will also want to think about:

  • Medicare/Medicaid
  • Power-of-attorney
  • Long-term Care insurance
  • Home care system and home care software

Researching home care software will help you decide on the most reliable home care system – such as ClearCare. ClearCare’s innovative home care software is the most comprehensive and functional care management solution. Using a reliable home care system ensures you receive safe and quality home care – an essential part of elder care planning.

See how ClearCare can help you today


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