Long-Term Care Insurance Provides Respite Care With Adult Day Care Services

Adult day care centers, also known as adult day services, have been providing a form of respite for caregivers for more than thirty years. The number of centers has increased sharply over the years to keep pace with the demand for home and community based services.

Adult Day Services are daytime programs designed to need the needs of adults who need supervised care during the day while returning to their homes or the homes of their loved ones in the evenings. Regular use of the health and social services offered in these programs helps reduce the risk of hospitalization and provides access to health and social services in a supportive environment. Many family caregivers can continue working when they take advantage of adult day programs for their loved ones.

Adult day care centers provide a break (respite) to the caregiver while providing health services, therapeutic services, and social activities for people with Alzheimer’s disease and related dementia, chronic illnesses, traumatic brain injuries, developmental disabilities, and other problems that increase their care needs. Some adult day care centers are dementia specific, providing services exclusively to that population. Other centers serve the broader population.

One difference between traditional adult (respite), both group and in-home care, and adult day care is that adult day centers not only provide respite to family caregivers but also therapeutic care for cognitively and physically impaired older adults.

What are the benefits of Adult Day Care?

Adult day care allows caregivers to continue working outside the home, receive help with the physical care of a loved one, avoid the guilt of placing a loved one in institutional care, and have respite from what can be a “24/7″ responsibility.

The care receiver can also benefit from adult day care. He or she is able to remain at home with family but does not require 24-hour care from the primary caregiver. Adult day care participants also have an opportunity to interact socially with peers, share in stimulating activities, receive physical or speech therapy if needed, and receive assistance with the activities of daily living with dignity.

Adult day services offer an individualized plan of care to meet the needs of each person attending. Participants attend on a scheduled basis and services may include supervision, meals and snacks, group and individual activities, formal exercise, intergenerational programming, health monitoring, caregiver support ,group nursing services, transportation, therapeutic art activities, therapeutic music programs, therapeutic programming with pets, podiatry, hair care, manicures, health care, medication management, shower/bath, medical evaluation, therapeutic dance activities, specialized diets, horticulture therapy, reminiscence therapy, physical therapy, speech therapy, occupational therapy and massage therapy.

It may be time to consider choosing an adult day program when someone you know appears unable to provide himself or herself with any structure for daily activities, is isolated from others for more than a few hours a day and misses companionship, cannot be safely left alone at home or lives with someone who works outside the home or needs regular time away from home for other reasons.

Long-Term care insurance can provide the funds to pay for this type of service. It is important to keep in mind that purchasing Long-Term care insurance once an individual is in need of these services is impossible. It is important to put a long-term care plan in place while you are healthy.

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How to Start an Adult Day Care Business – It’s Philosophies and Models

Starting an adult day care business is a smart investment for the business entrepreneur as well as for the senior citizens and the community it will serve. This article will explain the philosophy behind adult day care the three models of adult day care client description and 10 steps towards the development of your own adult day care business.

Adult Day Care Philosophy – Adult Day Care a part of the long-term continuum of care for the elderly, is guided by a specific philosophy of service: that philosophy views the individual client and the caregivers, whether family, friends, a spouse, or others, as a systemic unit sharing in the total care of the client. The provider of adult day care becomes part of that systemic unit of care offering aid and support to the individual client and caregivers.

Caregivers are able to rely on the staff of the adult day care center to provide experienced and respectful care for their parent, friend, or spouse. The adult day care provider joins with the family or other caregivers to provide care for the client that is consistent with the care provided at home. Because the care is consistent and regularly scheduled, primary caregivers are better able to plan for events in their own lives, and staff members are able to recognize and consult with primary caregivers concerning client progress in specific areas of activity and functioning. Staff may also offer consultation, information and referral programs to the caregiver to further the three guiding principles of an adult day care center: Maintenance, Restoration and Improvement.

Models of Adult Day Care -

Historically, there have been a number of models and mixes of models for adult day care services. The following three are pure type models.

1. The Medical Model – The staff will include at least one full-time registered nurse who is trained in geriatric care and will have available the services of a physician who is board certified in geriatric medicine. The services of the attached health care facility are available to the client as well as charting and records of client care will follow a medical format. Not all medical ADC’s are attached to a health care facility.

2. The Mental Health Model – Individual counseling is emphasized, as well as therapeutic group activities. There may also be a strong family therapy or family support group component in such programs. There are currently many Alzheimer’s ( Memory Care) focused adult day care centers.

3. The Social Model – Primary emphasis is placed on the socializing benefit of group activities. Staff may be especially alert to group dynamics from a perspective of encouraging client socialization and interaction and discouraging withdrawal and isolation.

10 Developmental Steps To Starting an AdultDayCareCenter

1. Educate yourself about Adult Day Care and get your state regulations. Visit a few adult day care centers to get an overall picture of a center. 2. Choose a location where you won’t compete with other centers and there is a need for your service. 3. Decide on the size of your center. How many people will you serve? 4. Decide which model of adult day care is best for your area. 5. Decide what services your center will provide. 6. Look at your finances, funding sources, potential partners, and overall costs of starting a new business. Crunch the numbers. 7. Realize that depending on your financials, you may not have a steady income for a while. 8. Know yourself are you an entrepreneur, can you multi task, do you have business experience or medical experience? 9. There can be many ups and downs when beginning a new project. Friends and family are helpful but may be your biggest critics and they know which of your buttons to push. You will need to be your biggest supporter.

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Adult Day Care Explained – What it Is, What to Expect & How to Pay For It

What It Is

Like adult day care, adult health care provides a safe, caring setting for adults who require supervision or care during the day. Adult health programs are designed for individuals who require a more skilled level of care. These programs offer medical services, like rehabilitation, therapy, nursing care and special nutrition. The programs are structured and designed, often through the development of a personal care plan, to cover the daily individual needs of each participant. Participants of adult care require some health care, unlike adult day care participants.

What to Expect

Adult care is based primarily around participants’ health care needs. Most programs offer meals and some provide transportation. The activities and programming reflect the diverse needs of participants and their levels of functioning. Common activities include current events classes, arts and crafts, music, mind-stimulating games, and exercise, as appropriate to each individual.

Adult care centers provide many health and social services for a set daily fee. Many centers have sliding scales. Medicare, Medigap and Managed Care do not cover adult day health care.

Read a detailed description of all types of reimbursements.


What It Covers

Medicaid usually covers all adult day health services.

Conditions and Limitations

In some instances, Medicaid approves coverage for fewer days per week than an individual requires. If, for example, Medicaid approves only three days per week, but the individual requires five days, then the individual is financially responsible for the two additional days of attendance. Medicaid approves the number of days based on a doctor’s recommendation.


What It Covers

Homecare Only and Comprehensive policies pay benefits in an adult day health care facility, but the amount of coverage depends on the individual policy. For information on how to determine what kind of LTCI policy suits your needs, visit our Financing Long Term Care Expert Column.

Veterans Benefits

What It Covers

Veterans Benefits cover adult day health care services.

* Conditions and Limitations Veteran must meet eligibility criteria for VA benefits, and

* Demonstrate need for this type of care.

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Adult Day Care – Services and Facilities For the Elderly

Centers for adult day care focus on providing elder care and companionship for senior citizens who require monitoring or assistance during the day. This can help family members or others caring for the elderly to be able to go to work, run errands, or have some personal time with the assurance that the senior citizen is being cared for and is safe. This program aims to delay or prevent the necessity of moving to a nursing home by offering alternative care, enhancing self-esteem, and setting up opportunities for socialization.

Types of Adult Care Facilities

Two types of day care exist. One type is called adult social day care, and it offers senior citizens social activities, meals, recreation, and some health-related care. The other is called adult health day care, and it offers elder care with more specialized health, therapeutic, and social services for senior citizens with severe medical disorders and disabilities and those more prone to requiring care in a nursing home.

Senior citizens who take part in these programs usually do so on a scheduled basis. Following is a list of some services offered in adult care centers:

Evening care
Health screening
Medical care
Physical therapy
Respite care
Medical management

Adult day care centers are generally open during normal business hours. They may stand alone or be a branch of senior centers, nursing homes, home health care agencies, religious institutions, hospitals, or schools. Those providing the elder care may monitor medications, provide meals and snacks, perform therapy, set up social activities, and organize transportation to and from the center.

Is Adult Day Care the Right Choice for Our Family?

If you are wondering whether you or a family member can benefit from adult day care, the following case study might answer some of your questions. Paul is a 69-year-old man who has had a stroke. He moves in with his son, David, and daughter-in-law, Kira, for supervision and support, but since they both work, Paul needs a different type of care during the day. Their solution is for Kira to take Paul to an adult day care center in the morning and for David to pick him up after work. The center is able to monitor Paul’s medications and provides lunch, some physical therapy, and social activities with other senior citizens while David and Kira are at work.

Adult Day Care Facilities: Choosing the Right Facility

When searching for the right adult day care center for you or your loved one, it’s important to note that there may be vast differences among centers, so you may want to find out about each center near you. Visiting the centers and talking those providing the elder care and other families who take part in this program may help you determine whether a certain facility meets your needs.

Another important factor to consider is cost, which can range from $25 to $100 per day depending on factors like which services are included, where the center is located, and the type of reimbursement. These costs are generally not covered by Medicare, but some financial assistance may be available through federal or state programs such as Medicaid, the Older Americans Act, and the Veterans Administration.

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Adult Day Care Center – Leaving Seniors Elders in Safe Hands

People who are aging need support from those around them to assist them to enjoy the last years of their lives. It may not be possible for people who have aging loved ones to take care of their needs because of the care for their own immediate families and probably busy schedules all around. There are many ways to assist their loved ones to get convenient services to take adequate care of their needs. It is good to employ the services of an Adult day care center where there will be adequate care for their needs. The adult day care service is provides assistance to the aging who desire people to be around them to help them with any assistance during the daytime in an active facility with many people.

The decision to transport seniors to adult DR should not be a solitary decision. It should be jointly taken with them present and making their contributions and suggestions where necessary. They have to be aware of where they are being taken. Most of the aging do not like the thought of living full time in assisted living or nursing homes. It is as if they are being abandoned and taken care of like little children who require adequate care. It is wise to avoid using terms like “adult DR center” while suggesting the idea to them as the seniors are very susceptible people who may think you are dumping them somewhere. Nobody will like the idea of having their children dump them in some place because they can no longer accommodate them around. Though the idea if a good one both for people and their parents so that the parents will enjoy more care than they can provide. They really need assistance as they age and getting good social interaction and activities are a key part of that.

The aging senior can be taken to an adult day care center where they will be able to associate with other people that share there interests. Many seniors also love church activities that they can be part of and to keep them very busy. To find adult day care for seniors, it is a good thing to do research very well with the assistance of the seniors to be able to know what is available close by and to choose the adult day care together. It is also good to ask questions about the adult day care services to know their services and care offered. There are some things to look for in a good center.

A good day care center should have efficient transportation services available for its residents. It has to be a running facility that operates on daily basis. It is required for seniors who will like to move around while at the day care center. There should be medical professionals who are at hand to meet the health care requirements of the seniors and should be able to respond to any emergency call. This is needful because most of the seniors have periodical ailments, which may need urgent attention. Arrangement should also be made for the meals the seniors will eat throughout their stay. The food preparation should also take note of seniors who are placed on certain diet prescribed by the doctor. This will be helpful especially if the seniors are diabetic and may have to stick to a limited diet for the sake of their health. There should be a balance in the number of seniors visiting in a day care center. Having too many of them may signify that the care services will not be enough for each resident and when there are few it may also mean that the day care center is not offering good service. It also a good point to consider the expenses involved in taking loved ones to adult day care centers. However, the cost may not be an issue if the services provided for the seniors are worth it. People will appreciate to have their loved ones being take care of in a good manner that will guarantee them longer life.

A lively adult day care center should incorporate good events for the seniors to enjoy their stay and associate with other residents. Events like football can be provided for the old ones to watch and cheering up those playing the game. It is a joyful thing to see parents having fun with their colleagues in the adult day care center than staying alone in their rooms glued to the television. Little games can also be organized like playing cards and puzzles. It is a great way of having fun while time is passing by. When they have fun, it signifies that they are enjoying life, which will also prolong their lives.

It is a relief to have elderly parents being cared for by adult day care services. It is rewarding to see them enjoying themselves in the center. Before people choose any center for their loved ones, it is good to check out the place by visiting it and making inquiries of the staff and looking around to feel the environment. This will ensure that elderly parents are well cared for and are living in a good health condition. In addition, they will be able to associate with other people living in the center. This will help them to enjoy their lives and live longer.

While making inquiries about day care services available, it is good to visit online websites where more information can be gathered concerning good and affordable day care centers for loved ones. Taking this step will enable people to find the best day care center for their loved ones. There are so many of them out there, therefore making a good choice is very important and that is why all means must be employed to find good adult centers.

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7 Ways To Spend Less On Your Home Insurance Policy

Property is a prized possession, and to safeguard it from unexpected damages in the event of fire, flood, earthquake, etc. getting a home insurance is always necessary. However, if your existing health policy is exhausting your monthly income, listed below are a few sure shot ways with which you can control your home insurance costs:

1. Shop around: The decision of buying a home insurance policy should not be taken in haste. Instead, you must explore and make a list of insurance policies that are being offered by various insurance providers. You may also get insurance quotes online to estimate the costs of different policies. Choose a reliable company from which you can buy the comprehensive home insurance plan that suits your needs, and of course, your budget.

2. Increase your deductibles: Deductibles is the fraction of the claim that you have to pay before your insurer pays the claim as per the terms of the policy. The higher the deductibles you set, the lower premiums you will have to pay every month. However, you must set the deductibles as high you can afford.

3. Locate intelligently: Purchase the property in a strategic location but make sure that it is based away from the damage-prone areas. Reason being, if you live in a disaster-prone areas where flood, storm or earthquakes are a common occurrence, there are chances that your home insurance policy may have a separate deductible for such kind of damages.

4. Avoid making small claims: This is the most common mistake that many people make. You exhaust your policy in small claims thus leaving no room for bigger loss protection. Rather it is advised to deal with smaller issues on your own and keep this policy to protect your home from bigger catastrophic losses.

5. Improve home security: To avoid getting your home damaged from little mishaps, it is suggested to increase the security in your home by installing devices like smoke detectors, burglar alarm, etc.

6. Merge Policies with one Insurer: Just like you pool your internet, phone, and TV package, you can also merge your insurance policies with one insurer. Buy your health insurance, homeowners, life, and auto insurance plan from one insurance company and come out cheaper by bundling these insurance products together. You may also buy policies in a package that is less expensive as compared to single policies. It also liberates you from the trouble of policy renewal.

7. Eliminate Unnecessary Coverage: Don’t buy the coverage you don’t need. Like earthquake coverage is often unnecessary in most zones, don’t include jewelry if it is at a catchpenny price etc. Also exclude a land value from your policy. Covering land on which your house is constructed is simply of no use as it is unlikely that your land will be stolen or burnt is fire. So to save big, insure the value of your home only.

There are many insurance providers who offer age and profession discounts as well. Some times there certain discounts for retirees and people with good credit rating. Never eliminate the coverage that is important just to save your money as spending extra on important services will benefit you in the long run.

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Home Denture Repair Versus Professional Services

As anyone with dentures can tell you, it is not a matter of “if” they break, but “when.” It also seems as if breaks come at the most inconvenient time possible. From full or partial breaks to teeth breaking or falling out completely, a broken denture can make life miserable. That’s probably why there are so many do-it-yourself kits on the market today. Walk in to any drugstore and you’ll find a kit that claims to make them as good as new quickly and easily. But before you attempt to repair dentures yourself, consider a professional service.

Home Denture Repair

Over the counter fix-it kits seem like a good solution if you need to patch-up your dentures and want to avoid a dental office visit. After all, home kits are inexpensive, easy to come by and there is no waiting involved. This makes fixing them yourself an attractive option; but an easy fix can turn into an expensive replacement if you’re not careful.

There are many things to consider when attempting to repair dentures at home. To begin with, you should know what your dentures are made out of and which part is broken. Different materials require different acrylics or resins and some of the acrylics used in dentures are not compatible with over the counter kit materials. Secondly, some problems are simply beyond the scope of do-it-yourself kits. If your dentures fit poorly, cause pain or sores in your mouth or fall apart no matter how much adhesive you use, you are better off having them professionally repaired or replaced.

Improper mending can sometimes be worse than the break itself. A poorly fitting denture and the chemicals used in the materials can irritate your mouth. The frustration that goes along with the mixing and measuring involved with over the counter kits is sometimes enough to cause the do-it-yourselfer to give up and turn to a professional for assistance.

Professional Services

Working with a professional service is another option. Denture repair companies offer top-quality services. In fact, many dental offices send dentures to these same companies to make the necessary repairs for their patients. A dental repair lab can provide a team of trained dental technicians, managers and dentists on every repair job that comes in and uses only ADA-approved materials and supplies, ensuring a high-quality and safe end product.

A professional repair company can handle full or partial breaks, repair a tooth or provide a replacement, create duplicates and clean your appliance. Best of all, orders can be placed without leaving your house. Phone and Internet orders combined with mail services means you don’t even have to leave the house to get your dentures repaired. Many of these companies offer same-day service and overnight shipping which means your teeth are repaired and back in use in the shortest amount of time possible.

Ultimately, you need to make the choice that works best for your situation and with which you feel the most comfortable. Dentures are a significant investment and should be maintained properly and repaired professionally to ensure proper use and retain a natural appearance.

Denture Repair Lab is a full-service professional denture repair company. Whether they just need to repair a tooth or repair dentures completely, customers rely on the company’s professional, quick service and free overnight shipping.

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Home Computer Repair – The Do Nots

Hello, and welcome to Computer Repair at Home!

If you think home computer repair is hard or next to impossible then please read this article.

Ok, so you are almost certainly here reading this because you have, or believe you have a computer predicament, or maybe your home computer is just not performing normal. DO NOT do the flying experiment! Your computer cannot fly, and will by no means be able to fly, so do not test this theory out of your second story window! Simple home computer repair techniques I will explain to you will help; all while your bank account stays untouched(credit cards too)

So concerning this blog… I am going to be schooling you (not selling you) how to go from identifying that you have a home computer repair problem, all the way to fixing that same problem. The principle is to get your home computer functioning the way you want it to.

Along the journey you will learn I do own and control a home computer repair and services company, BUT in no way am I at this juncture to solicit their services. We only service a very little area in southeast Michigan. Be taught what you can here for free, so that you will not require any home computer repair gurus for help.

What not to do. Do not shell out for such programs like Norton Anti Virus, Mcafee Anti Virus, or any other over priced program. These programs expend more on advertising than on the quality of their product, and most will not assist you in your mission to get your home computer repaired. Also there are programs obtainable only by way of the internet which will not resolve any of your home computer repair problems and only make your bank account decrease.

Some programs are, Registry Repair, Registry Cleaner, Reg Mechanic, and Reg Cure. These programs will cause you a lot greater harm than benefit, and there are not a lot of ways to get help in the occasion you do not recognize how it works.

I have experimented with most of the programs in one way or more on my home computer. You can discover a lot of them when you do a very easy Google query for “home computer repair”. I have thus far not found one program that works effectively for a broad variety of computer repair problems. There are a number of programs that function well for very precise list of home computer repair jobs, the problem then is in recognizing your individual issue, and can it be fixed without spending money; often the answer is yes!

In the occasion I do ever find a program that can resolve a lot of the normal home computer repair issues, I won’t delay in endorsing the program and I will profit monetarily. You have been warned. I am human and this is what I love to do, if I can get paid for it, while staying honest, I will. Until then, on with the free home computer repair counsel and instruction…

Home Computer Repair – how did I learn?

How do I identify how to repair home computer repair problems? I have learned a lot, diverse things from different programs that I had to buy. I educated myself that these programs were not doing anything really complicated, everything I knew I could do myself .

I have decided not to tell you the exact learning process with my experience with various programs, and online tutorials about home computer repair. That will just end up boring you a lot, and you’ll leave and end up paying for some program that will cause you more harm than good. Not to mention cause your bank account $ amount to decrease! Instead I will explain to you in very simple terms how to do your very own home computer repair.

I’ve gained the knowledge, so I am passing it off to you, in the hopes you can benefit, or your computer can benefit, without spending loads of cash on programs that will not work and just confuse you.

Most programs that claim to fix your computer, do not, and are a big waste of $$$. I know, as I have tried a lot of them when first getting into home computer repair. I learned a lot from them, in how they worked, but my bank account took a hit for this.

I learned that these programs were not doing anything special, and I eventually taught myself the gist what each program did. Now I am able to fix almost any home computer repair problem. You will have the ability to do the same, but you will not have to learn from an over priced program you have to purchase and spend hours interpreting.

You could now do one of two things: use a professional company to do your home computer repairs or you can comprehend that almost all problems are very simple to fix, and you are able to do it, with a little help from me, in no time flat.

So don’t become stressed out while reading my blogs, ingest my lessons one step at a time. I wish I could emphasize this more, you must take this slowly and stop when you don’t understand something before moving on. In very little time you will have the skills to identify and resolve most of your own home computer repair issues.

I’m a regular guy who has recently taken interest in the home computer repair field, and learned some things that can help others with their everyday interaction with computers. I remember about two years ago I knew nothing about computers, that gives me the mind set to explain in laymans terms how to help the masses who think they don’t know enough to fix their home computer issues.

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Auto & Home Insurance

We Listen, We Serve, We Educate more.
We have a “No pressure” approach.
Price. We shop more companies to find the lowest rates.
We can handle most all your insurance needs. Free Quotes
Honest enough to say “We are Not always your best option”
We don’t spend massive $$$ on advertising.
Allowing us as an independent agent to pass the savings to you.

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Wherever your move takes you, we have the expertise to get you there!

Over the last century William B. Meyer, Inc. has worked hard to earn a reputation as the preferred local, national, and international relocation expert. Our internal service quality programs ensure you have the best possible move experience, from start to finish. Since 1915, we have provided industry-leading moving services throughout the Northeast, the United States, and the world.

Our dedication to consistent, top-level service has earned us an A+ rating from the Better Business Bureau. United Van Lines repeatedly rates us within the top 5% of residential movers in the business. Through our United Van Lines partnership we have access to a national network of quality move partners that allow us to provide superior service to you.

Nationwide pack and haul service
Licensed freight forwarding
Over 1 million square feet of warehousing space
Dedicated climate controlled warehousing for fine arts and antiques
In-house quality assurance and claims programs
Dedicated and experienced move managers
Web-based client connection portal
On-line, 24/7 access to origin and destination information

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