There was a time when family members grandparents,
parents and children alike lived in close proximity
to each other, often in the same house. But that was then
and this is now. And now, it's becoming increasingly
common for family members to live in different parts of the
country. That trend is fast colliding with care-giving for
the elderly.
According to the MetLife Mature Market Institute's Since
You Care guide, there are some 34 million Americans
providing care to older family members. And 15 percent
of these caregivers, or 5.1 million, live one or more hours
from the person for whom they are providing care.
According to MetLife, these "long-distance caregivers," in
many instances, are caring for a parent or other older relative
and are also employed and have dependent children of their
own. Because of this, they are often referred to as the sandwich
generation. "In some circumstances, due to actual physical
distance and/or other constraints, the long-distance caregiver
may be unable to provide the direct, everyday, hands on care,
but is responsible for arranging for paid care and coordinating
the services that are provided."
And that's no easy task. In many cases, long-distance
caregivers must often juggle the demands of two households.
Often, they have to rely on reports from others about daily
events. Just as often, they have to arrange and then rearrange
work schedules, business trips and doctors' appointments.
In short, the task can be difficult, stressful, and time
consuming, according to AARP. But there are a number of steps
you can take to make the task more manageable.
Gather information and assess the need. Adult
children should determine with their parents (and other family
members) what help is needed. In some cases, adult children
should consider hiring a professional geriatric care manager
who can assess a family member's needs and who, if
need be, can provide ongoing case management. Geriatric care
mangers are often familiar with the services that are available
to aging parents. Finding a professional geriatric care manager
is easy enough, say experts. The National Association of
Professional Geriatric Care Managers has a Web site that
provides links to association members, many of whom are former
nurses or social workers (www.caremanager.org). A professional
geriatric care manager might charge $100 to $500 for an assessment
and $60 to $90 an hour for on-going care. If you choose this
option,
work with geriatric managers who are licensed or certified
by the states in which they work and be sure to conduct a
full background check before you hire. Many states and municipalities
typically have benefits and resources that can be used by
qualifying individuals to help cover the costs of some of
these services. Another resource, the Eldercare Locator (800.677.1116)
can tell you which local agencies provide services and will
refer you to the area agency on aging in your parents' community.
Be prepared. Before a crisis occurs, caregivers
and older family members should complete and distribute widely
a "caregiver emergency information" kit. That
kit should contain all necessary medical, financial, and
legal information, including doctors, medications, insurance
information, assets, and Social Security numbers, wills,
living wills, durable powers of attorney and health care
proxies. Adult children should ask their parents to complete
privacy release forms, HIPAA compliant, and keep copies on
file with their parent's doctor's office. That
way, the parent's doctor can discuss an older family
member's health. MetLife has a caregiver booklet that
can be downloaded from its Web site, www.maturemarketinstitute.com.
AARP also has useful long-distance care-giving resources
at its Web site, www.aarp.org.
Caregivers might also consider using a personal medical alert
emergency response system.
Develop an informal network. Experts say
adult children should establish an informal support network
composed of family, neighbors, friends, clergy, and others
who might help. Adult children, when visiting their parents
or older family members, should introduce themselves to neighbors
and friends and keep their phone numbers and addresses handy.
If an adult child can't reach a parent, calling that informal
network can provide peace of mind. Plus, they may also be
able to help with some needed tasks.
Visit as often as you can. Long-distance
caregivers should visit their older family members every
few months to check for signs of trouble which might
include changes in personal hygiene, old food in the refrigerator
and chores not done. Long-distance caregivers should note,
however, that such care can be expensive. According to MetLife,
caregivers spend an average of $193 per month on out-of-pocket
purchases and services for the care recipient and another
$199 per month in traveling and long-distance phone expenses.
It might make sense to consult your financial planner early-on,
to ensure that your loved ones are properly cared for in the
future.