Bernard and Seely agree that it is difficult to market and sell long-term care insurance to lower economic groups. But he concedes that employers already feel burdened by the requirement for pre-paid health coverage so adding care insurance is unlikely. The federal Health Insurance Portability and Accountability Act passed last year, allows employers a tax deduction for the costs of providing long-term care insurance to employees. However, both Bernard and Seely don't see this law stimulating employers into action. Set up a family caregiving support group, and get relief by using aides for a few hours a week.
Many families use aides two times a week, four hours at a time.
Ramsey says keeping seniors in their home is the least expensive way to go, on a part-time basis. If the family hires the aide, the state considers the family an employer and the family must follow Department of Labor requirements. If the agency supplies the aide, then the agency is the employer. Check out senior day care at facilities with a nursing staff. Facilities such as the Leahi Adult Day Health Center can provide a nursing staff, meals and even physical therapy.