Survey says why insurance with home care benefit is popular
More older women get home-based care for chronic health issues than men, reveals an American Association for Long-Term Care Insurance (AALTCI) study.
According to the study, 60 percent of home care recipients were women. In the same group, over 80 percent were 75 years or more than that. The survey, which was conducted by the association through a one-week period in March, had 1,000 men and women respondents.
“The large majority of both men and women home care recipients were over the age of 71 and most received care for three days a week or less,” according to Jesse Slome, executive director of AALTCI. 66 percent (two-thirds) of women received care at home for three days a week or less, while less men (49 percent) made use of the same service in the same frequency.
The AALTCI study also found the cost of home care services to be around $20 per hour. However, this varied depending on the type of service required and the location. “Someone requiring care three days a week for six hours a day is looking at a cost between @20,000 and $25,000 annually, which is why individuals increasingly buy long-term care insurance with a home care benefit,” says Slome.
“Most people wrongly associate long-term health care with skilled nursing facility when the vast majority of care takes place at home,” pointed out Slome in an earlier interview. Today more and more people prefer getting treatment for chronic and age-related conditions right in the comfort of their own homes, added Slome.
“People do require long-term care services at younger ages typically as a result of accidents or illnesses,” noted Slone. As a matter of fact, a large majority (90.7 percent) of long-term care insurance claims start at age 70. Among women below 64 years, about 20 percent received care for seven days a week, while 40 percent required care five days each week. A mere 25.3 percent of women aged 82 required care for five days a week or even more.
According to the National Association for Home Care & Hospice, about 7.6 m people are recipients of home-based care today, usually as a consequence of an acute illness, long-term health condition, permanent disability or terminal illness. Annually, the federal government spends $60 billion for home health care.…
Survey says why insurance with home care benefit is popular
One of today’s fastest growing career fields is the medical field. The medical field offers a variety of job opportunities. You are sure to find the medical career that suits your interests and skill level. The average salary of medical careers ranges from moderate to high. The medical field also offers job stability. Why is the medical field so popular?
The medical field is meant for those that want to touch lives. It is all about helping people. If you want to make a difference in the world, one person at a time, the medical field is the perfect career field for you. The medical field gives you the opportunity to show others that you truly care about them. In many medical careers you even get an opportunity to save lives or provide medical care to underprivileged areas. The medical field is the perfect place to make an impact on the world.
There are jobs available for essentially all skill and education levels. For those that just have a high school degree, there are many jobs available labs or providing assistance to surgical nurses. For those with a bachelors degree, lab work might be the right career for you. You can help diagnose illnesses by performing experiments in the lab and viewing samples under the right conditions under a microscope. For those that want to further their education even more, becoming a nurse or doctor might be the route you want to take.
Medical careers also offer competitive salaries. Health care is the most essential need our society has. Even though technology has made our lives easier, nothing can replace a human based health care system. As people live longer and more babies are born every day, the strain on the health care system grows. Because of this high demand for health care professionals, salaries are very competitive. This high demand also offers a lot of job stability.
You never get bored when you have a medical career. Every day there is something different going on and new challenges to overcome. The medical field is a fun and exciting career to have. There are fast paced jobs for those that need extra excitement, and more relaxed jobs for those that want a more tame career. There is a job for just about every interest level you might have.
Even if you do not have the stomach to handle body fluids day after day, there is a job for you in the medical field. You can work as a receptionist in an office, or do other clerical jobs in the office. You can also be a pharmacist or pharmacy technician. For those that enjoy travel a job as a drug representative might be the job for you.
For those that are looking for their first job or those that are looking for a new career, the medical field is the perfect place to start your search. There is the perfect medical career for just about everybody. All you have to do is search for it.…
With a large aging population in declining health, many children and family members are seeking information and services for senior home care. Rather than moving parents or loved ones to a nursing home or residential facility, home care brings health care professionals into a comfortable and familiar environment, increasing independence for the senior and allowing them to remain in their own setting. The term “home care” often refers to non-licensed medical professionals, although in some cases nurses or physical therapists are involved in the treatment plan.
What services are provided by home health care professionals?
As the goal is independence, familiarity and comfort, keeping an elderly relative in their own home is critical. In home care can provide a longer, more comfortable, stay at home for aging parents and loved ones. Service professionals providing home care include:
Transportation: Driving can become increasingly difficult and balancing daily commitments such as church, friends or doctors appointments, impossible. Seniors can utilize taxi or bus services, although there are alternatives in the local community that may be free or at a nominal charge. Medical insurance may cover or partially cover the cost of transportation to and from doctor appointments for seniors. Keep in mind that familiarity is important for both the elderly person and the driver as it ensures that the patient’s needs are met each and every time.
Meals: Nutritious, delicious food production and kitchen cleanup can become an increasingly difficult task for geriatric relatives. In addition to meals, delivery people offer companionship and regular contact with the patient.Professional delivery companies often train their staff to watch for worrying conditions, changes of mood or medical needs.
Home Construction: As needs change for an elderly person, they may need alterations within their home environment, such as lowered cabinets, non-slip flooring or updated bathroom fixtures. Consideration of the cost of long-term, in-care treatment should be taken when faced with the cost of assisting an elderly person to remain in their home.
Licensed Medical Care: Family members may wish to provide regular medical treatment by qualified, licensed professions in the home. This provides comfort for the patient and also regular updates for family members.
Prevention Services: Fall prevention is playing an increasingly important role on this. As costly hospital stays can result from a fall, a professional familiar with common causes of falls can provide guidance in altering a home environment. These may include updating shower fixtures, widening doorways or installing ramps.
How can I find the best home care professionals?
For comprehensive services, eldercare agencies are an excellent option. In addition, community groups, religious groups and local government agencies can provide resources and qualified senior care services.
How will we pay for these services?
Insurance companies that cater to geriatric care, such as Medicare or Medicaid, often cover all or part of in-home specific senior home care advice, consult a professional, qualified insurance agent.…
There are millions of back pain sufferers throughout the world. Serious back pain can create an environment where tasks that are normal to everyday life become difficult to complete. Unfortunately, back pain can also prove difficult to treat. Luckily, there are a number of ways to handle your back pain. This article provides useful advice and several effective techniques that can help manage your back pain.
You might have to wait a few days for an appointment with your doctor while suffering from severe back pain. People with a ruptured disc may find that laying on their backs with their knee bent is the most comfortable. This helps to release tension in the back, as it allows muscles and tendons to relax.
Back pain is important, so do not ignore it. People often ignore their bodies. They think they can just walk off, or ignore the pain. If you try to move while in pain, it can actually worsen your condition. You should be focused on relaxing until the pain is gone.
There are exercises you can do that will reduce the likelihood of you suffering a back injury. The flexibility that you can gain from yoga can help prevent muscle strain for example. In the same way, exercises that strengthen your core muscles could benefit individuals that lift heavy objects on a regular basis by fortifying their back muscles.
Do you suffer from back pains? If so, it is best to avoid activities that require you to twist your body. Whether you are cleaning the house or lifting heavy objects, twisting your back too much can cause severe injury and pain. While playing any sport, remain cognitive of how your movement may affect your back and ease up whenever you feel any indication of pain or discomfort.
Many women are opting for breast reduction surgery to help ease their back pain, and give themselves some permanent relief. This is a personal decision and is considered a health consideration and not a cosmetic surgery. If you have very large breasts, your back and neck can suffer from pain. Women have have their breasts augmented are at specific risk for this.
If you are constantly frustrated and worried about your back pain, your condition will not improve. Learning to relax helps to ease the tension in your muscles which will decrease the chances of another injury. Take the time to rest and apply moist heat to the injured areas to alleviate the pain in your back.
Back pain responds best to basic treatments. Avoiding intensive activity for a couple of days can help. As you wait for relief, see if anti-inflammatory drugs such as naproxen, acetaminophen or ibuprofen provide any help. You can also try the old-fashioned method of using heat or cold to soothe your back.
Don’t let your back pain take over your life. Do everything you can to make your pain more manageable so that you can live your life the way you want to. Now that you’ve read this article, take the advice that you think will work for you and apply it to your life.…
A mouthful of decaying teeth is a situation nobody ever wants. That is both ugly and painful. Luckily, with good oral hygiene, you can avoid this problem. Keep your teeth healthy with the following tips.
You should always brush for at least two minutes. You just aren’t getting to every crevice inside your mouth if you brush any less. Take the time every morning and evening to properly brush your teeth as avoid a buildup of plaque.
Particularly if you are nervous about receiving dental care, spend some time researching dentists in your area. Check out online reviews and ask for opinions from your family and friends. Aim to find a dentist who is very friendly with their patients. That can do wonders in making you feel better during your appointment.
Do not forget to brush your molars. You can have a tendency to focus on just the teeth at the front that you can see easily in your mirror, but you need to get those back teeth too so you prevent cavities. Make sure you brush your back teeth well every time you brush to avoid problems.
Use toothpaste that’s made for teeth that are sensitive if you have that problem. If you have discomfort or pain when eating cold and hot drink and foods, you might have sensitive teeth. It is important to talk to your dentist about this problem to make sure there isn’t a serious cause.
Whitening strips and regular brushing can help you get whiter teeth. Carefully read the instructions and don’t leave strips on the teeth beyond the recommended time. Avoid using these strips frequently as you may damage your teeth.
Before buying a brand of toothpaste, read it’s label. It is important you select a toothpaste with some fluoride. In addition to the fluoride, the ingredients should include elements that help to brighten your teeth. If these abrasives are hard on your gums, shop for a gentler product.
If you have a tooth come out due to an injury, keep it. Clean the tooth off. If there is flesh attached, leave it in place. See if you can slide the tooth back into the empty socket. If not, use milk to soak the tooth in and get to your dental office as soon as possible.
Avoid high levels of citrus; they contain damaging carbonic acid. Anytime you consume citrus fruit or fruit juices, make sure you thoroughly brush your teeth immediately afterwards. This will keep the carbonic acids at bay so they don’t start dissolving your enamel.
You should always remember how important mouthwash is. Mouthwash can rinse the parts of the mouth that your toothbrush just can’t reach. Choose to rinse twice a day- once in the morning and once at night. Be certain to use a mouthwash without alcohol, because alcohol is drying in your mouth and may cause problems.
Who wants to have an ugly smile? It looks terrible and might even feel worse. Avoid a scenario like this by keeping on top of your dental care, and visiting your dentist on time. Refer back to this information as needed to keep your teeth looking their best.…
Like many people, your current dental regimen focuses only on brushing your teeth and flossing occasionally. Actually, taking care of your mouth doesn’t always start with your teeth. Lifestyle habits, health conditions, and even heredity can all influence oral health. As you will soon see, there are countless simple things you can do to care for your mouth, teeth, and gums.
If you have questions for your dentist, write them down and bring them to your appointment. Once your cleaning and exam begin, it is hard to get a word in edgewise, especially with picks, pokers and mirrors in your mouth! Speak up beforehand, and a dental hygienist can answer your questions before your mouth is too full, or too sore to ask afterwards.
Brush your teeth daily. Food and bad bacteria can settle on and in between teeth causing odor and dental issues, so brushing them helps to keep them clean. Brush them at least twice per day using a toothpaste that contains fluoride. The best times to brush your teeth are after every meal you eat and prior to bed.
If every time you brush your teeth there’s any trace of blood inside the mouth, go see your periodontist or dentist. Bleeding gums may be a symptom of gum disease which can be a big problem. Gum disease is something that can affect you by causing infections, tooth loss, diabetes, and bone loss.
What kind of toothpaste do you use? It is best to use a toothpaste that contains fluoride. If you have issues with cavities, choose a toothpaste designed to reduce your risks of developing cavities. You can also choose a product designed for people with sensitive gums if this is your case.
Eat more nutritious meals. Your diet and overall health can have a huge impact on the state of your teeth. Monitor what you are eating. Make sure that you are getting the vitamins and nutrients that your body needs. Your smile will be all the better and brighter for it.
Strengthen your existing enamel with the foods that you eat. Certain vitamins and the mineral calcium, in particular, all help out with this. Foods that are good to accomplish this with include nuts, meats and dairy choices. Avoid sugary foods, soft drinks and sweetened teas, as these will do immediate damage to your enamel.
Remember to clean your tongue. You may brush your teeth regularly, but are you remembering to keep your tongue clean as well? Cleaning your tongue is important, especially if you want your breath to smell clean and fresh. Make sure to scrape or, at the very least, brush your tongue on a regular basis.
Sugarless gum is a good way to clean your teeth if you cannot carry a toothbrush with you everywhere. Chew a piece of sugarless gum to clean your teeth after eating a small snack. Keep in mind that gum is not good for your teeth if it contains any kind of sugar.
A combination of regular dental visits and simple hygiene habits goes a long way in promoting good oral health. Do it for yourself, or do it for your dentist. Either way, you can be certain that your efforts will pay off in more ways than one. Now that’s something to smile about!…
Are you looking for a better way to manage your back pain? You’ve come to the right place! This article will give you great tips that will help any back pain sufferer get through the day. Keep reading if you’d like to take the pain out of your day-to-day life.
Hop in the shower. Taking a bath might sound nice, but lying in the tub might hurt your back. A shower is usually ideal if you are not in too much pain to stand. Stand with your back to the hot water and try to relax. It can be very soothing.
While waiting to get medical attention for an injured back, it is common to experience extreme discomfort while sitting down and lying in bed. Lying flat on the back with the knees bent is a position that many people suffering from back injuries, such as ruptured discs, find comfortable. This will reduce tension in tendons and muscles that run from the back, through the legs.
Avoid motions that twist your spine. The more often you twist, the higher your chance of injury. You should especially avoid twisting while lifting heavy objects. Change your position or the way you’re doing the activity if you notice straining in your muscles while twisting. Paying attention to the warning signs early can save you pain later.
Make sure you drink enough water. The human body is primarily water, including our muscles and the discs in our spines. Getting enough water helps increase the size of the intervertebral discs, which will keep your spine flexible and reduce your back pain. You really can’t drink too much water.
A lot of people visit doctors because of lower back pain, which is actually back pains main form. You can do things differently to avoid pain in the lower back, but you need to change some habits. Since back pain is so inevitable, it is smart to prevent it if you can.
In order to reduce back pain, learn how to relax. This is much different from resting. Resting is simply taking pressure away physically, relaxing is relieving the tension and stress mentally. Try closing your eyes and thinking of happy and non-stressful things to help relieve the overall tension in your body.
Chronic muscle pain, such as back pain, can be caused by a vitamin D deficiency. To get your fair share of this vitamin, eat lots of small-boned fish, fortified milk and cereal. Also, be sure to get frequent exposure to sunlight and don’t forget to use that sunscreen!
If you have back pain and have the money for it, consider paying for a visit to the chiropractor. Chiropractors are trained in many different ways to help minimize pain in your body and many specialize in back pain. If it works out financially, a trip to the chiropractor might just cure what ails your back.
While these tips may not completely eliminate your back pain, they should be a great help. Doing what you can to ease your back pain will help you live your life the way you want to live it. Give the advice in this article a try. You’ll be amazed at how effective it can be.…