It is a story as old as time. Our parents care for us when we are young. Many of us return the favor as our parents age. While it sounds simple in theory, that is seldom the case in reality, especially now as we find ourselves facing these uncertain times. In addition to Covid-19, one of the biggest challenges formillions of young caregivers is how to take care of their aging or ailing parents while juggling demanding jobs.
Did you know arecent estimate puts the number of unpaid caregivers in the United States at more than 40 million? The same estimate indicates that most of these family caregivers have difficulty coping with work and caregiving responsibilities. Unfortunately, there are two significant, but unintended consequences. The first is that a caregiver’s job performance often suffers, with work productivity dropping byat least 18 percent. The second is that these caregivers need to take time off from work, resulting in lost work hours valued at more than $25 billion.
Studies show that another, less reported, consequence of spending less time at work or quitting work to take on full-time caregiving responsibilities may include the loss of benefits. Examples of these benefits that are needed by young families may include not only a loss of a paycheck but health care insurance, company sponsored retirement plans, or all of it.
How can we help these families? In our firm, we work every day to help both Florida seniors and their adult children get the elder care support they need. In addition to what we recommend in our meetings, experts recommend the following to help young caregivers balance work and caring for a loved one:
Create a family calendar to track relevant appointments, delegate chores and manage medication
Seek support and guidance from your local agency on aging
Review your employee handbook to see which if any policies apply to your situation.
Try to limit caregiving tasks, such as scheduling medical appointments, to personal time as much as possible
Arrange for a coworker to cover for you if you have to leave work suddenly when possible
As a caregiver and employee, it is important that you are open and honest with your employer. By speaking with him or her about your situation, you may be able to create a plan that works for everyone. During your conversation, be sure to askabout:
When you can take paid or unpaid leave
The possibility of flexible scheduling
How to get help through Employee Assistance programs
Finally, be sure to ask your employer about your rights under the Family Medical Leave Act, or FMLA. This is a federal law that allows certain American workers to take up to 12 weeks off of work per year. Under the law, eligible workers can do so without pay, but without risk of losing their jobs. To be eligible for time off under the FMLA, you and your employer must meetspecific requirements. If you do not, all is not lost, however. You may have similar rights under applicable state laws.
We understand it may be difficult to have these conversations, so we are here to support you on this and any of your elder care concerns. Please do not wait until you feel completely overwhelmed to ask for help. Contact our law office to schedule a meeting with us today.
Why Are We Giving Away Free Powers of Attorney & Other Disability Planning Documents to Qualified Individuals?
Selis Elder Law of Florida believes that everyone should have documents that help things go smoothly when they cannot handle their financial affairs or make health care decisions. And during the Covid-19 (aka Coronavirus) crisis, it’s critically important that the most vulnerable have the documents that will identify which loved ones can make financial and health care decisions for them.
If you get sick and can’t manage your personal affairs, who would handle those things for you? Would a trusted loved one be able to access your accounts to pay bills or transfer money between accounts? Who would make health care decisions for you? And, what if more than one person wants to handle your financial affairs and make health care decisions for you? For example, if you’re remarried, would you want your spouse, one of your children, or someone else to handle your financial affairs and/or make health care decisions for you?
Go to the Questionnaire Below to Determine if You are Eligible
Don’t Most People Already Have Powers of Attorney & Other Disability Planning Documents?
According to the a 2019 MarketWatch.com survey, less than 20% of Americans have these types of documents. But why? There are as many reasons as there are people.
Some haven’t thought about this. Others are overwhelmed by making decisions about who will take charge of their affairs when incapacitated. Many incorrectly assume that their loved one (i.e., spouse, child, sibling, etc.) can make these decisions for them without these documents. Finally, a lot of people don’t want to meet with a lawyer because they think it will be tedious, confusing, expensive, and/or too time consuming.
Go to the Questionnaire Below to Determine if You are Eligible
Selis Elder Law of Florida has created an affordable online resource for people to create their own legal documents if the don’t qualify for the FREE Powers of Attorney & Other Disability Planning Documents. For now, we are offering only the documents described below for FREE to qualified individuals. And unlike many legal document preparation websites, we will review your document before releasing it to you. That review helps you avoid making a critical mistake.
Here is a List of the Documents offered and What They Each Do for You
A Florida Durable Power of Attorney, which allows you to select one or more loved ones to manage your personal financial affairs and choose what types of things they can, and as importantly, cannot, do for you.
Advance Directives, which include,
A Living Will to provide guidance to your loved ones about end-of-life decisions; and
A Designation of Health Care Surrogate to identify one or more loved ones to make health care decisions for you when you are unable to do so.
A HIPAA Release, which identifies people who your health care provides (i.e., hospitals, doctors, nurses, etc.) can, among other things, discuss your health care treatment
Go to the Questionnaire Below to Determine if You are Eligible
How it Works
Below is a very short questionnaire. After you answer the questions, we will send you an email telling you whether you are eligible for FREE Powers of Attorney & Other Disability Planning Documents.
If you are eligible, the email will provide a 100% discount code and detailed instructions for you to follow. If you are not eligible, the email will provide a 50% discount code and detailed instructions for you to follow. Who is eligible? Anyone that resides or works in Florida and those that are vulnerable to the disease or its complications.
Go to the Questionnaire Below to Determine if You are Eligible.
What If You Don’t Want to Use the Online Document Preparation Service?
We’d love to meet with you. Of course, the documents we provide to clients that meet with are more robust and include extensive legal advice. So, if you prefer the personal touch we provide to clients, then you will need to go through our usual client on-boarding process by calling 386-888-6060 or emailing Info@ElderLawFirmFLA.com. Don’t hesitate to contact us with any questions you have.
We can no longer ignore the fact that the COVID-19 virus is spreading at an alarming rate around the world. Even with its unprecedented spread, however, there are still many precautions that we can take right here in Wausau to protect ourselves, as well as our loved ones.
By now we are all familiar with the most popular precaution which has been shared by the various health authorities around the world:
Make sure that you properly wash your hands!
What does it mean to “properly” wash your hands? This means meticulously cleaning your hands for at least twenty (20) seconds with soap and water, or an alcohol-based hand rub. You may find it interesting to learn that, according to the FDA, “the benefits of using antibacterial hand soap have not been proven.” Washing your hands remains one of the best preventative measures that you can implement to safeguard yourself and your elder loved ones. In addition, according to the World Health Organization (WHO) washing your hands helps to kill viruses that may be on your hands.
1. Maintain social distancing. Maintain at least 1 meter (3 feet) distance between yourself and anyone who is coughing or sneezing. This one is especially important because it is easy to breathe in the droplets of someone who is suffering from the COVID-19 virus. This is true for most viruses like the flu.
2. Avoid touching eyes, nose and mouth. Remember, especially for our younger loved ones, touching many surfaces can cause you to pick up viruses. WHO states that, “once contaminated, hands can transfer the virus to your eyes, nose or mouth. From there, the virus can enter your body and can make you sick.”
3. Practice respiratory hygiene. How do you practice respiratory hygiene? Cover your mouth and nose with your bent elbow or a tissue when you cough or sneeze. Dispose of the used tissue immediately.
4. Help “at risk” loved ones limit interactions with those who may be infected. First, understand who may be at risk using this article we want to share with you. Although social isolation can be hard, help these individuals try to make informed decisions about where they truly need to be. Routine check up? Maybe postpone it until the virus is under control as very ill people could be in the waiting room. Although these decisions are up to you and your family, think about how to best keep everyone’s health intact.
Another important precaution that can help everyone around you is to stay home if you feel unwell. Further, if you have a fever, cough and/or difficulty breathing, do not wait to seek medical attention. Be sure to call your healthcare provider in advance, if you can.
The last tip we will share is also extremely important as we continue to battle this deadly virus. Make sure that you stay informed and follow any advice given by your healthcare provider. Do not rely simply on the news or secondhand information. Staying up to date can arm you with the right information to make the best decisions for yourself and your loved ones.
If you would like to learn more about how you can protect yourself and your loved ones check out this WHO article that goes into detail about preventative measures that we can follow in the fight against COVID-19. Know that we are here for you, both now and in the future. Do not hesitate to contact our law practice to learn more about how to protect yourself and those you love.
Growing old gracefully is easier said than done. Many of us often have trouble asking for help. Further, it is often difficult for Florida seniors to admit when they are having difficulties with things that once came easily, especially when it comes to understanding the difference between Activities of Daily Living and Instrumental Activities of Daily Living.
This is just one of the reasons why having objective means for assessing their needs is so important. In the context of elder care these can include Activities of Daily Living, or ADLs, and Instrumental Activities of Daily Living, or IADLs. Let us share a few key differences that can help you and the Florida seniors you love in understanding the difference between Activities of Daily Living and Instrumental Activities of Daily Living and navigating the challenges surrounding long-term care.
Let us start by answering the question: What are Activities of Daily Living (ADLs)? In all, there aresix ADLs. They include:
1. Walking, or otherwise being able to move from one place to another on foot, either indoors or outside. The clinical term for this is “ambulating.”
2. Feeding, or the use of fingers or utensils to move food from a plate or bowl into one’s mouth.
3. Dressing and grooming, or the ability to choose what to wear, putting clothes on properly, and shaving, brushing one’s hair, brushing one’s teeth and so on.
4. Toileting, or the ability to get on and off the toilet, use it properly, and cleaning oneself.
5. Bathing, or the ability to clean one’s face and body in the bath or shower.
6. Transferring, or the ability to shift from one body position to another. This includes the ability to maneuver from a bed to a chair, or into a wheelchair. This can also include the ability to stand up from a bed or chair in order to access a walker or similar device.
When you enlist the help of a health care provider, the amount of assistance that the Older American needs with each ADL is also noted in assessment of overall function.
By contrast, let us share key insight into Instrumental Activities of Daily Living (IADLs). While ADLs may be classified as basic life skills,IADLs are more complex. They can include:
Household chores: Including dusting, vacuuming, doing dishes and so forth.
Laundry, including making sure that clothes and other items are washed or dry cleaned as needed.
Managing finances, such as paying bills on time, keeping track of bank balances and so on.
Medication management, which can include taking prescription medications as directed.
Making meals, which can include preparing and cooking or making food.
Shopping for food, and other lifetime necessities.
Transportation concerns which can include the ability to get from place to place by driving, or on public transit, moving from one residence to another and so forth.
Using communication devices which can include the ability to use the phone and computer to contact friends and family or call for help if needed.
It is important for you to begin to understand how ADLs and IADLs are used. Although assessments of IADLs are not used to determine whether someone can qualify for public benefits programs such as Florida Medicaid, assessments of ADLs are. Specifically, Florida Medicaid states that to be eligible, someone must need help with two or more ADLs.
In general, health care providers use these tools to evaluate a person’s physical and mental capabilities as they age. By doing so, they can determine what type of care and supervision is warranted. As elder care lawyers, we also work with seniors and their loved ones each and every day to understand these issues. We know the challenges you face and we encourage you to schedule a meeting to discuss this and any other concerns you may have.
Collectively, Americans are getting older. As a result, experts predict a significant shift in demographics in the next fifteen years. They say by2035, the number of people in the United States age 65 and older will greatly outnumber the number of people here age 18 and under. They also say by 2030, all Baby Boomers will be at least 65. In other words,1 out of every 5 Americans will be eligible to retire in ten years.
As a result, there is heightened public awareness about age-related issues. Being properly informed can help you recognize when you or a loved one may need help. It will also allow you to address age-related relevant concerns such as a potential need for long-term care.
With a bit of luck, you and your loved ones will be happy and healthy well into your older years. With time, however, you may succumb to some of the common effects of aging or you may already be experiencing them. These can include, but are not limited to, physical ailments such as:
Loss of strength
as well as cognitive impairment, such as:
Memory loss and personality changes not related to Alzheimer’s Disease
Memory loss and personality changes related to Alzheimer’s Disease and similar conditions
Other issues impacting Older Americans include grief, especially following the loss of a spouse, social isolation following retirement, and loneliness. These issues can exacerbate chronic and underlying health conditions. They can also cause anxiety, depression, and even over-reliance on alcohol or medication. They can also make you more susceptible to criminal activity, such as fraud and other forms of financial exploitation.
We know that this blog may highlight concerns you are having for yourself or for a loved one. Remember, it is never too soon to start asking questions and get the support you need in your local community. Long-term care challenges are not easy but we can work together to develop a plan for what is ahead. We routinely work with seniors and their loved ones, and encourage you to schedule a meeting to discuss these, as well as other, important issues.