Living Longer – Keeping The Costs Down

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Living Longer = Costing More?

Living Longer, The Tarnished Golden Years

There is no doubt that we have to expect increased costs associated with our increasing age. Living longer has many benefits but it also has some costs. The costs of long-term care can be quite exhaustive, and can drain a nest egg in short order if a review isn’t conducted periodically to determine if the level of care required matches the level of services provided. It isn’t in the service provider’s best interests to trim your costs as much as possible, quite the opposite. They want to sign you up for as many services as they can (whether you utilize them or not) and once the services are added to your plan, they are loathe to take them off again.

1. How To Determine If Your Long-term Care Is Cost Effective

living longer

First, sit down with your family members and your mom and/or dad and determine what level of service they really require. Once you have that in hand, then you can begin to negotiate with the service providers and obtain the best service that you can for your money. Do ask questions, lots of them. If they are hesitant or evasive, go somewhere else. Interview existing patients and caregivers as well as staff members before agreeing to any contracts. Most of all, take your time. Do not feel pressured to have to make a decision that you don’t feel good about.

2. Beware Of Bundles

A worrisome trend that is developing among long-term care providers is the bundling of services. From a service provider’s perspective they help secure an ever increasing income, while at the same time standardizing a minimal provision of service that can be delivered in a cost effective manner. To the consumer, it can mean that in order to access specific services like medication administering, you would also have to have blood pressure monitoring and pulse readings every six hours. Make sure that you understand all the costs so there won’t be any surprises on the monthly charges. I’m not suggesting for a minute that the long-term care service providers are being malicious in any way, but you have to recognize that they run a business for profit and you need to act accordingly.

3. Time Changes Everything

It is said that the only constant is change itself and that is certainly true. The service plan that you decide upon for your mom or dad (or even for yourself) will become outdated over a period of time as the physical condition of the patient declines. Service levels will have to be adjusted accordingly, so it pays to plan ahead and ensure that the facility you choose can change along with you. It is never too early to look ahead and begin to negotiate potential care levels that may be required. Planning is key, don’t wait till the last minute when you have few options left. A little forethought can make the whole experience so much more enjoyable and cost effective. Living longer need not mean we have to drain the retirement fund and accept substandard long-term care just because that is all we can afford.

Till Next Time….

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Sigrid McNab

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About Sigrid McNab

Sigrid McNab is the author of #1 Amazon Best Seller, speaker and the CEO and Founder of Sigrid specializes in blogging, attraction marketing, and generating highly qualified leads. Sigrid teaches people how to build a successful online business.

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2 Responses to “Living Longer – Keeping The Costs Down”

  1. Dagmar Wichary Says:

    It is almost impossible to find a place that is affordable in a care facility. You used to be able to pick one you liked at a fair price, now it is anywhere between 2500 and 6000 Dollars per month, not many people have that money saved up and can only afford the bare minimum. Where do they go? It is so sad


    sigrid Reply:

    I totally agree Dagmar…



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