• Mary Sizemore

Family Caregiving: Recognizing the Problem and Finding the Solution

A recent study has documented that 1 in 5 Americans are now providing unpaid care to a family member or friend. If your clients are included in the 53+ million Americans that are caring for a loved one, they could be suffering from Caregiver Burnout.

What is Caregiver Burnout?

Caregiver Burnout is a state of physical, emotional and mental exhaustion. Stressed caregivers may experience fatigue, anxiety and depression. Nearly half of caregivers report an increased level of stress that affects both their mental and physical well-being.

Resources Available for Help

  • Home health services: These agencies provide home health aides and nurses for short-term care, if your loved one is acutely ill. Some agencies provide short-term respite care.

  • Adult day care: These programs offer a place for seniors to socialize, engage in a variety of activities and receive needed medical care and other services.

  • Nursing homes or assisted living facilities: These institutions sometimes offer short-term respite stays to provide caregivers a break from their caregiving responsibilities.

  • Private care aides: These are professionals who specialize in assessing current needs and coordinating care and services.

  • Caregiver support services: These include support groups and other programs that can help caregivers recharge their batteries, meet others coping with similar issues, find more information, and locate additional resources.

When the time is appropriate, caregivers should establish their own plan for long-term care. Many of the resources listed above would be covered under a long-term care insurance plan. This would eliminate their own loved ones and friends from being in a similar situation. Most long-term care insurance policies include a benefit for Respite Care along with the traditional benefits of home healthcare services, assisted living facilities, adult day care, skilled nursing facilities and more.

A Solution

A male age 62 and a female age 58 can purchase a private LTCi policy for less than $200/month that will provide up to $3000/month reimbursement for care at home.

Long-term care insurance can help alleviate some of the stresses that come from being a caregiver. For more information on the plans available in your state, please contact our marketing team. 1-800-945-1953

More information on caregiving can be found here

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