Today's seniors enjoy a life expectancy longer than any generation in history. An American who turned 65 in 1998 could expect to live nearly another 18 years beyond their 65th birthday. And while additional years are generally considered an blessing, it is also true that the older one grows, the more likely they will need health care services. Today's seniors, who often consider themselves among the best informed, would do well to learn about three crucial areas that pertain to their future health care needs: the potential that they may need long term care, the cost of long term care and the limited federal and state aid available.

Having worked as a home health care and assisted living administrator for a number of years I have sat with many seniors and their family members as they argued, pled, issued ultimatums, etc. to come to an agreement about the parent’s living situation. Usually the “kids” (themselves in their 40s and 50s) want their parent to make some sort of change.   The parent usually wants nothing to do with this kind of talk, sees no reason to change anything and resents having to be in the room.

My husband and I are unique among our friends in that both sets of parents are still not only alive but living independently at home.  All are in their 80’s and have had some medical issues but we know we are lucky to have them around.

1. Compare for yourself by visiting several different residences.
2. Take special note of subtle things.
3. Observe the ways in which staff members attend to the needs of residents.

For many seniors, the thought of growing old at home with familiar surroundings and loving friends and family is a cherished notion. But the reality can be very different. Busy family members don’t drop by as often as they would like. Seniors are forced to give up driving, limiting social interactions and the freedom to come and go as they please. Isolation at home with only the television for company can become a lonely way of life for many people.

My parents have great insurance that will cover the cost of an assisted living…not always.  We speak with many baby boomers whose parents have tried home care or an independent living and now need an assisted living community that offers more care or socialization.  They are under the false pretenses that Medicare or their supplemental insurance will cover the cost.