Archive for the ‘Assisted living’ Category

What Will It Cost To Place a Loved One in an Assisted Living Facility?

Wednesday, January 5th, 2011

Author:

Shawna Ruppert

Of course there is no set answer to this question, as assisted living cost can vary depending on the location of the facility, what they offer, whether it\’s connected with a religious affiliation and of course whether it is privately owned, or is run by a large assisted living company.  It may also depend on how much assistance the person needs of course.

There is a tremendous amount of difference in assisted living cost if the assisted living care is very limited. For example assisted living in a private home may comprise solely of meals, bathing and dressing. In assisted living facilities where the residents have their own rooms or apartments, there may be sumptuous meals offered off of a menu, special diets may be available, all manner of activities may be offered, as well as entertainment and even heated swimming pools with instructors provided. Many of the assisted living facilities are closer to an opulent cruise ship, complete with full service dining rooms with tablecloths and a huge crystal chandelier.

As you may have surmised, the assisted living cost of each of these will actually be miles apart. Keep in mind too that assisted living is used to fill in the gap between receiving home care and then a nursing home. Nursing homes typically have a nurse\’s desk, rails up and down corridors and in general look much like a hospital setting because the residents there need constant medical supervision.

The assisted living cost is generally thought to be approximately half of the cost of a nursing home. This may or may not prove true if the assisted living facility is in a luxurious apartment style facility. Some assisted living facilities also have a concomitant nursing home offering, which would prove very important when it is time to graduate to such.  In this manner, the resident is not moved out of the facility into brand new surroundings that may not please them at all, but rather they remain on the same grounds that they are familiar with, but with more care.

Put another way, an assisted living cost will vary too based on the physical aspect of the care needed. Assisted living is in no way a nursing home, and whereas one person may only need to be helped with taking their medicine each day, another may need help with going to the bathroom. Be sure and ask about such things when you are considering assisted living for your own loved one so that they do receive the care they need.

 

Article Source: http://www.articlesbase.com/elderly-care-articles/what-will-it-cost-to-place-a-loved-one-in-an-assisted-living-facility-2535674.html

About the Author

If you are interested in accessing additional information about assisted living facilities in California or across the country, check out www.800Seniors.com. After discussing your needs or the needs of your loved one, the individuals at 800Seniors will provide you with a full range of options and information to ease the decision making process.

Medicare and Long Term Care for Seniors

Wednesday, January 5th, 2011

Author:

Senior Advocates

Most people do not realize the need for Medicare until they actually need it. The realization comes to them when they find themselves ailing and unable to afford to pay doctor and consultation fees as well as treatment fees and prescriptions. Just because one has always had good health throughout their 20s and 30s, they shouldn\’t think that automatically their health will remain that way. Lifestyle changes across the world, even for seniors, have deteriorated. Senior health services are available for many, especially from the age of 40 onwards. One may think that the age of 40 is too young to start thinking of senior health, but indeed it is not. It is important to know that Medicare enrollment can also be made available for people with disabilities and even veterans. It is important though to ensure that the senior services which are being offered are of quality. This is the reason why at age 40 one should start looking out for the best senior health program that they can enroll into. Senior advocates of this age have the advantage of being able to take the time out to plan their future health well, while giving considerations such as senior housing options. One would not want to end up in a housing scheme that has any complaints of elder abuse, for example. This is one of the things that Medicare tries to ensure doesn\’t happen in any senior health services.

Senior care is very sensitive and getting the right people who know how to do their job is important to having a happy stay at senior care. There are numerous ways to find out about Medicare services and availability for seniors, and some of the resources are readily accessible online. The nature of services available is also growing with time, and some of these are not just Long Term Care Insurance, but also medical supplements which have prescription coverage. There are other options available that are for employer groups and retiree health groups. Most importantly is guidance on how one can protect one self from Insurance fraud, which is a growing concern in the industry. Arming yourself with the information on senior health care is the first step to securing a well prepared future, not just financially but also having that psychological peace of mind without worry. Medicare enrollment is always a beneficial tool to have for your future because senior care needs come rushing one by one. It starts off with one small thing which when improper care is given, results in causing something else. It\’s almost like a down hill slide from there. Waiting until one is 50 or 60 is a bad idea; this is because by that age, most insurers prefer not to put the risk in covering you. It is advisable that at 40 one should look for an insurer that can cover long term senior health needs. Senior health services when purchased under a good long term health care insurance policy become more affordable.

Article Source: http://www.articlesbase.com/alternative-medicine-articles/medicare-and-long-term-care-for-seniors-3756408.html

About the Author

Senior Health Services is the author of this article on Medicare Enrollment. Find more information about Senior Housing here.

Legal Limits of Care in Assisted Living Facilities

Wednesday, January 5th, 2011

Author:

Allen Jesson

When aging parents come to the point when assisted living seems like the best choice, it is usually their baby boomer children who see it first. Perhaps the adult children live in another state. Perhaps they are unable to visit Mom or Dad often enough to feel comfortable leaving them alone. The death of a spouse or a gradual loss of independence in self care-any of these reasons may lead to the adult child\’s decision to move the parent. As an assisted living facility representative is likely to tell you, it is often the adult children who first come to look the place over, later bringing their parents to see the place for themselves. These adult children are the hidden consumers of services. Assisted vs Nursing Home As the hidden consumers, what do the adult children of aging parents need to understand about these facilities? Very simply: what the facility can\’t do. Invariably, the sales pitch tells you what the facility can do, which is fine, and to be expected. But as a consumer, you must understand the difference between assisted and nursing care. First, an assisted living facility is not a nursing home with fancy furniture. Assisted living is not licensed to give nursing care. Typically, assisted living facilities are places where elders live in a supervised community, with some personal care services available. Meals, social activity, and help with the activities of daily living such as bathing and dressing are all usually offered at such facilities. The focus is on providing a healthy social environment and preventing social isolation. It is a worthy focus, as isolation is dangerous, and widespread among elders whose independence is declining. If your parent is in fragile health and seems to be steadily declining physically or mentally, be cautious about choosing an assisted living facility over a nursing home (also known as a skilled nursing facility). No one chooses a nursing home first. Nursing homes are more like hospitals, as they must be to deliver skilled care to frail seniors. But if your aging parent needs nursing care, and must be watched day and night, or you believe that he or she is likely to need such supervision in the near future, it is the only choice. Assisted living facilities are not licensed by Medicare or Medicaid to give skilled care. Some have a separate skilled nursing facility on-site or nearby, but it will have its own license to deliver skilled nursing care. That license does not apply to the assisted living component, even the two facilities are located on the same campus or are operated by the same parent company. Doctors & Nurses Not Required Many assisted living facilities do not have any licensed nurse on staff, and may have no nurse connected to them at all. Because they are considered non-medical facilities, having a licensed nurse is not required by law. Even if a nurse is employed by the assisted living facility, the nurse cannot give hands-on care in the form of dressing a wound, administering around-the-clock insulin, administering oxygen, or other tasks that are defined by the federal and state governments as ’skilled nursing care.’ Skilled nursing care may only be administered within a facility that is licensed to do so. Legally, this kind of facility is licensed as a skilled nursing facility, although it may have a different business name that it markets itself as, such as an ‘extended care’ or ‘long-term care’ facility. Medicare and Medicaid also designate these homes as skilled nursing facilities. Because skilled nursing facilities bill Medicare and/or Medicaid for skilled nursing care, they must comply with many complex legal regulations and requirements. Assisted living facilities are regulated by the state Department of Social Services, not the Department of Health, which regulates nursing homes. Assisted living facilities do not have the same safety or administrative requirements as a skilled nursing facility, and they are prohibited from giving care they are not licensed to give. Limitations to Specialized Care Waivers There are exceptions to some of the federal and state government\’s licensing requirements. For example, a licensed assisted living facility may take care of residents with dementia, including Alzheimer\’s disease, if it has a waiver to accept this kind of resident. The facility must also have certain protections in place to prevent injury to its demented residents. However, it is still prohibited from restraining a demented resident who has a tendency to wander. There are many other limitations to what an assisted living facility can do, even with waivers. Taking care of residents with dementia can be unpredictable, and skilled nursing can become necessary as the disease progresses. When an aging parent has to move out of the family home, or out of a long-term residence of any kind, the move can be difficult, even traumatic. If you are considering assisted living as an option for your loved one, be sure your focus is on the long run. Carefully consider what he or she will need a year down the road. Moving an elder twice within a short period can be extremely hard on both of you, so make your decisions based on the overall picture, not just on what the assisted living facility can do for him or her right now. As hidden consumers, adult children must be fully aware of the limits of assisted care. Assisted care facilities can be wonderful and supportive environments for residents who don\’t need skilled care. If you are considering assisted living for your aging parent, be sure this kind of place is a match for your parent\’s needs.

Article Source: http://www.articlesbase.com/health-articles/legal-limits-of-care-in-assisted-living-facilities-1100060.html

About the Author

Please visit the Gilbert Guide for the very best in Assisted Living Care and for more information about Assisted Care.

Dignifies Living – Assisted Living Facilities

Wednesday, January 5th, 2011

Author:

Allen

Assisted living is a term usually used in conjunction with senior citizen homes. It includes assistance with the daily activities of life, helping residents with administration of medication or personal care by trained staff, and monitoring of activities to make sure that the residents are safe and taken care off.  This can be true for anyone who is not able to do his or her daily life activities but it is usually the provided for senior citizens, mentally and physically challenged, and the people who are suffering from a chronic disease that make them dependent on others. It is actually a philosophy of provision of care and services in order to enable them to lead a dignified life.

Assisted living facilities are licensed at the state level. Assisted care living facility, Personal care homes, and Old people’s homes are some of the names used for such facilities.   Such facilities are a way to make sure that a standard of care and concern will be provided to the people who cannot do so for themselves.

Assisted living facilities cannot be compared or equated with Nursing Homes for there are mark differences between the two.

• Nursing homes employ licensed medical professionals such as nurses, doctors and paramedical staff, who provide medical services to its residents.  Non-medical staff usually provides assisted living facilities and if they have licensed medical practitioners on their staff, then their responsibilities are usually limited to providing routine medical services.

• There is greater preference over privacy and personal care in assisted living facilities.

There are about one million Americans staying in assisted living facilities. Thereby, much emphasis is on such assisted living facilities rather than the Nursing Homes.
A typical assisted living facility is usually a renovated Victorian house or school that has large and spacious areas where all residents can dine together, have a recreational and social activity that helps in bonding everyone as one big family and not feel the absence of their loved ones.
Some of the services provided in assisted living facilities are preparation and serving of timely meals, laundry and ironing of personal clothing and linens, administration of medication, supervision of outdoor and indoor activities, reading and engaging in hobbies that interest the residents so as to keep the zeal for living ignited in them.

While looking for an assisted living facility, one should consider what would be best for their particular circumstances. For most people, cost and location are the number one deciding factors. Second comes the reputation of the place. Is the staff well trained? Is it a licensed facility and is it safe?
Most of the assisted living facilities are opened both for monitory and non–monitory means. A few are opened in order to make profits while others are opened as a social services or a charity that works for a cause. Before the legalization of such facilities, they were all privately owned. But, fortunately the requirement of licensure have regularized and improved the quality of services provided in most assisted living facilities.

No one wants to be dependent on others for the basic and everyday activities of life. Life circumstances beyond one’s control can force one to lead a dependent life. However, one still has the ability to choose a dignified assisted life over a completely dependent and disgraceful living.  

Assisted living facilities provide one with this choice – a choice to be able to do what one can and at the same time get assistance for what one must.

Article Source: http://www.articlesbase.com/elderly-care-articles/dignifies-living-assisted-living-facilities-1501375.html

About the Author

Senior assisted living is a term associated with providing residential and medical assistance to the elderly citizens on a regular basis. The assisted living facilities can provide a healthy and happy environment to support living for your loved ones.

What is Assisted Living

Wednesday, January 5th, 2011

Author:

christine

Assisted living or residential care is a type of arrangement that provides personal care services and assistance to daily living. It is closely similar to nursing home care, but the only difference is the independence freely granted to the residents as they can receive services in their own residential setting.  The activities that are included in assisted living can range from bathing, dressing, toileting, walking, and etc.

The scope of services under assisted living varies from state to state due to licensing requirements. The state regulations that allow those services offered under assisted living facility are not standardized. Some types of assisted living services are offered in one state but many or may not be available in other states. However, a recent ruling is pursued to mandate the state legislature to come up with unified model of assisted living for all states.

Assisted living normally suffices the inadequacies in home care and nursing homes. Before, a person had to stay in a nursing home even though the services deprive a person with independence. Nowadays, assisted living benefits those who want home-like environment while receiving assistance for daily living or treatments without a compulsory 24-hour nursing care.

Assisted living facilities are more comfy than those in hospitals or nursing homes. Newly renovated facilities are themed in apartment style with private rooms or suites. Some assisted living facilities look as if you were in five-star hotel with cafeteria, gardens, atriums, and more. A cozy dining area is where seniors gather together and share experience while having a good meal. The environment is tranquil and relaxing for seniors that make them feel at ease even though far from home. A lot of social activities such as outings and games are organized for seniors to mingle with other adults and to keep them physically fit. Overall, the architecture in assisted living facilities is more decent than those in nursing homes and hospital, and the services offered are far better.

Many assisted living facilities allow home health agencies to provide services for its residents. Some assisted living facilities have in-house nurse or therapist to assist elders with health problems. Some states allow assisted living to include some kind of nursing home services. The main reason why some type of nursing care is allowed is because many residents particularly those 65 and above are frail and more prone to sickness, so nursing care should be readily available in the facility.

Some assisted living offers specialized care for certain ailment/s. For example, there are assisted living facilities that focus on Alzheimer\’s patients. Facilities rendering services for Alzheimer\’s normally have specialized type of care and supervision to help the patients survive the sickness.

However, not all ALF residents need care or assistance. Some elders stay there to greet adulthood with full compassion and live simpler life together with the adults who share the same dilemmas. Most residents have chosen to stay in AFL than in retirement communities to secure independence and protection. As they become older, they will need more intensive care that can be provided in assisted living facility. Assisted living always provides home-like environment and experiences for seniors whose years left are counted.

 

Article Source: http://www.articlesbase.com/insurance-articles/what-is-assisted-living-3342631.html

About the Author

Need more information on long term care policies. Visit http://www.completelongtermcare.com to stay abreast on latest LTC news and get long term care insurance quotes

Paying for Assisted Living

Wednesday, January 5th, 2011

Author:

Angela Stringfellow

As more Baby Boomers – 77 million strong – begin to slide into retirement, the term ‘assisted living’ is going to be on the lips of everyone from financial planners to family physicians.

Assisted living gives older adults a safe, sanitary and supervised living space to spend their sunset years. The number of Americans with an assisted living facility in their future is on the rise – the U.S. Census Bureau estimates that the population of Americans 85-years-and-older will grow by 33by 2010.

In addition, the U.S. Census Bureau estimates that approximately 6.5 million older people currently need assistance with daily living activities. The Bureau reports that number is expected to double by 2020.

With great numbers, however, comes great financial responsibility. How, after all, are people going to pay for assisted living services? Let\’s take a look:

What does assisted living cost?

The Census Bureau estimates that, on average, the per-diem rate for assisted living in a private room is about 60to-70of the cost of a similar-sized room in a nursing home. That could mean a bill of between $50 and $120 per day- and a good-sized case of sticker shock for potentially millions of Americans.

How can you pay for assisted living?

There are several sources of funds commonly used for paying for assisted living: Private funds, long-term care insurance, or sometimes veterans benefits. Private funds can come from personal investment portfolios, like 401k plans or Individual Retirement Accounts. Many people sell their homes, using equity that has built up over their lifetime, to pay for assisted living.

Seniors who do not want to sell their home may consider paying for services through a reverse mortgage, where long-time homeowners essentially borrow against the value of their home. The U.S. Department of Housing and Urban Development has a good analysis of reverse mortgages.

Long-term care insurance – an umbrella term for insurance that covers nursing home care, home-based health care, assisted living health care (in addition to other medical services) – can help shoulder the cost of assisted living for those who have a policy with a few restrictions:

  • For example, most long-term care insurance policies won\’t cover the costs unless you are unable to perform two or more ‘activities of daily living’ (ADLs). Some examples of ADLs include bathing, dressing, eating, getting from a bed to a chair, using a toilet, and walking. Some insurers may evaluate with a physician of their choice – not yours – to see if your condition qualifies for coverage.
  • The type of long-term care policy is critical, too. For instance, a ‘facility-only’ policy covers care received in a licensed Assisted Living Facility or Skilled Nursing Facility, but not care in an unlicensed facility or in your home. Better to get an Integrated Home Care policy with 100protection for care received either in a licensed Assisted Living Facility or Skilled Nursing Facility, or in an unlicensed setting, like your home.

In some cases, veteran\’s benefits can cover the costs of assisted living programs. To qualify, you\’ll need your military discharge papers (copies are fine); a valid medical condition (like blindness – but the condition need not be life threatening) that comes with a doctor\’s letter of validation, certain minimum financial asset conditions, and the filing of a formal application, called the Veteran\’s Application for Compensation and/or Pension, VA FORM 21-526, Parts A, B, C, and D.

Does Medicaid cover assisted living?

While Medicare won\’t pay for assisted living care, in some cases, Medicaid will. Specifically, Medicaid may pay for an assisted living stay of limited duration (mostly 90 days or less). But there are factors that could reduce or stop Medicaid from paying during that time period (for example, your physical condition hasn\’t improved during your assisted care facility stay). Payment statutes vary from state to state, and with Medicaid, financial help with assisted living costs is highly needs-based, i.e. the less money you have, the better chance you have.

Article Source: http://www.articlesbase.com/elderly-care-articles/paying-for-assisted-living-2740629.html

About the Author

SeniorHomes.com is a free resource for people looking for senior housing or senior care for a loved one or themselves. Browse valuable articles to help you through or search or find assisted living, independent living, Alzheimer\’s care, or a retirement community with our nationwide directory.

Choosing the Right Assisted Living Facilities for Your Loved One

Wednesday, January 5th, 2011

Author:

Assited Living Facilities

Finding the right assisted living facilities for your loved one may seem like a daunting and overwhelming process. Many families struggle to find the right facilities to meet the needs of their aging or disabled relative. With the right amount of time, patience and knowledge, it is easy to find the assisted living facility to meet your needs. 

The first step in choosing the right facility is to determine the level of care that the resident will need. Some care facilities offer apartment-style living in which the residents care for themselves with limited assistance from staff. These types of facilities allow residents to maintain a sense of independence and privacy while being available to provide assistance as needed. Other facilities offer a moderate level of care, providing medical treatment, meals and personal care, but allowing residents the freedom to make choices about their daily living. Finally, there are facilities that provide extensive care, round the clock supervision and treatment and full service meals and personal care. Many of these are connected to a hospital or other medical care center. 

Many assisted living facilities provide a number of amenities to make the resident\’s experience as pleasurable as possible. These include full service meals in community dining rooms, administering medication, religious and spiritual services, recreational activities and transportation services. It is important to choose a facility that will offer the right balance of services while helping your loved one maintain their dignity and mental well being. The best facilities encourage a healthy relationship between the resident and their family and community. 

Making sure the assisted living facility is perfect for your family member is an active process that requires careful selection and follow-up. Before admitting your loved one as a resident, many facilities interview the family and the potential resident to determine their needs and to formulate a plan for their care. This interview process will allow you to assess the facility, voice any concerns and make suggestions that will benefit your loved one. In addition, this will give you the opportunity to tour the residence and get a feel for the overall atmosphere of the facility. 

There are many assisted living facilities to serve the needs of your aging or disabled relative. It may seem like a daunting task to choose from the many senior residences, care facilities and assisted living communities available. By assessing the needs of your loved one and targeting facilities that meet those needs, you will find the assisted living facility that is perfect for your family.

Article Source: http://www.articlesbase.com/home-improvement-articles/choosing-the-right-assisted-living-facilities-for-your-loved-one-2828458.html

About the Author

Mickel Jackson

Choosing the Right Assisted Living Facilities - Here is some information that might assist you in your search for housing and care of your loved one.

Caring For a Senior Family Member at Home

Monday, May 31st, 2010

Taking care of a loved one at home after a major illness or surgery can be an overwhelming task both physically and mentally. The responsibilities are challenging for both the one being cared for and those taking the lead for the primary care. In some cases the recovering family member may have some reservations and an unwillingness to ask their son or daughter to give up a job to care for them. In these cases, having professional home care Chapel Hill, NC can help in easing the patients concerns and allow both family members and the one being cared for with more quality time together.

In almost all cases, there are going to be reasons that your loved one may not want to consider the option of in-home health care. Therefore, it is important before relying on home care Durham NC to provide part or full responsibilities for the patients care to listen to your loved one’s concerns. Take time to note what they may be worried about and go over these during interviews while searching for just the right care service.

One of the first arguments you may hear is that your loved one doesn’t believe they need help. So, in these cases while discussing senior care Chapel Hill NC that you let your loved one know having outside help is more for your peace of mind- which in almost all situations is the reason for seeking care. Taking care of our loved ones isn’t about physically being there 24/7 but knowing that when we can’t be there someone competent and committed to their wellbeing will be but without taking away their feelings of independence.

Home care not only provides in-home medical care but can also take on some of the errands outside of the home, if the recovering loved one is a bit apprehensive about a new person in the house. As the care worker becomes more familiar to the loved one, trust and friendship is gained and can facilitate a working relationship that benefits both the patient and the family.

While recovering at home, most physicians strongly suggest that the family employ outside assistance. Therefore, if there may be other reasons that the patient balks at this kind of service, the family can simply counter that argument with the physician’s release orders from the hospital. Usually this will end the resistance and facilitate the transition from hospital to home care, in Durham, Clayton, or Chapel Hill NC.

At one time or another, most families will face taking care of a loved one, whether that be during recovery or for end of life care. And there are no easy answers or ways to ease all the burdens placed on those family members. These people are trained in medical or physical care as well as dealing with the inevitable emotional strains. The one saving grace is that there are people trained and ready to take some of the responsibilities from the family and allow everyone to be more at ease with the situation. Today, with these advances in care, many families are able to care for loved ones at home, where both the patient and the family are most at ease.

Written by Jenny Heart. Quality home care Durham NC: Receive senior care Chapel Hill NC, alzheimer’s and elder care through home care Chapel Hill NC, Clayton, Raleigh, Cary, Wake Forest.

Article Source: http://EzineArticles.com/?expert=Jenny_Heart

Caregivers and Seniors Get Tax Deductions

Thursday, February 11th, 2010

With tax season upon us I wanted to remind families that people who care for qualifying relatives can claim tax deductions and credits for out-of-pocket medical expenses. For you to qualify for caregiver tax deductions and credits, the person you are caring for must be a spouse, dependent, or qualifying relative, as well as a U.S. citizen or resident of the United States, Canada, or Mexico. A qualifying relative includes a parent, stepparent, father-in-law or mother-in-law, or any other person who lived with you all year as a member of your household.

Medical deductions can include dental treatments, the cost of transportation needed to get to a medical appointment, health insurance premiums and qualified long-term care services. For a full list of allowable medical expenses, see Publication 502 (2009) at the IRS web site . Some key rules to remember are -

  • You can only deduct medical expenses if they exceed 7.5% of your adjusted gross income.
  • To qualify for a dependency deduction, you must pay for more than 50% of your qualifying relative’s support costs. The relative only qualifies as a dependent if he or she meets the gross income and the joint return test. Dependency Deduction   If your relative doesn’t qualify as a dependent because of these tests, you cannot claim a dependency deduction, but you can still claim his or her medical expenses.
  • If a group of people are sharing costs for a qualifying relative, a multiple support declaration (IRS Form 2120) can be filed to grant one family member the exemption.
  • Long-term care medical expenses including diagnostic, preventive, therapeutic, curing, treating, mitigating, rehabilitative, and maintenance and personal care services are deductible if the services are required by a chronically ill individual and a licensed health care practitioner prescribes the care. An individual is chronically ill if unable to perform at least two of six activities of daily living, which are eating, toileting, transferring, bathing, dressing, and continence. An individual who is cognitively impaired and requires substantial supervision is also considered chronically ill.
  • Nursing services performed in a nursing home, an assisted-living facility, or similar care facilities are also deductible expenses if the person is principally receiving care for medical reasons. However, if a person is staying at a nursing home, an assisted-living facility, or similar care facility only for custodial reasons, only medical expenses are deductible; in this instance, room charges and meals are not deductible. Nursing services performed at home are deductible expenses. If the patient is chronically ill, certain maintenance and personal care services are also deductible.

Senior citizens and caregivers should be aware that premiums paid for qualified long-term care insurance contracts are also deductible medical expenses. According to the IRS, the contract must be guaranteed renewable; not provide a cash surrender value; not pay costs that are covered by Medicare; provide that refunds, other than refunds upon death, surrender, or cancellation of the contract, and dividends are used only to reduce future premiums or increase medical benefits.  For 2009, long-term care premiums are deductible up to the following dollar amounts: for individuals age 61 to 70 the limit is $3,180, for individuals 71 and older the limit is $3,980.

Many state governments also offer tax credits and deductions for caregivers on state income tax forms, so it pays to know your individual state’s rules.

By nature, tax rules are complex. It’s important to consult a tax attorney or accountant versed in eldercare tax issues about your specific situation before finalizing your taxes. The AARP also offers free assistance and tax tips for seniors through its Tax-Aide program; go to http://www.aarp.org/money/taxaide/.