In response to some of the discussions about the health reform bill someone sent me another article link. This refutes all the amazingly great points about the bill. I am still very much for the health reform bill. However, I am printing this link in hope that others may provide rebuttals with solid facts to the proposed myths.
According to a recent article by Robert Stock, there will be super help for caregivers with the advent of the new Health Reform Bill. Take a few minutes to read his explanation. I for one, welcome all and any help I can get that will assist my mom for now and hubby and I in the future.
As a childless couple we do not have the foundation of children to depend upon for assistance. Yet, sadly, we know many who have children and do not have the needed support they need during their illness.
Read this insightful article below.
Health Care Reform Will Impact Long-Term Care
Robert W. Stock Contributor
(March 26) — As health care reform became the law of the land this week, a huge bloc of Americans with a unique interest in the outcome sat watching on the sidelines.
The 49 million people who care for older family members were hidden in plain sight, as usual, quietly shouldering a burden that so often takes a heavy toll on their finances and their physical and emotional well-being. Many of them — I know a few — are opposed to the new health care law, even though it includes one of the most important steps ever taken to improve caregivers’ lot, especially those of the middle-class persuasion. Of course, hardly any of them are aware of that.
The Community Living Assistance Services and Supports Act, otherwise known as CLASS, provides for a national insurance program to help cover the cost of long-term care — something 70 percent of people over 65 will need at some point along the way. The premiums will be much lower than those for private plans, and you won’t get screened out because you’ve already had some health problems. Once vested after five years, enrollees unable to care for themselves will be able to claim cash benefits for as long as needed.
A health aide helps a patient at his home in Miami. The new health care reform law could “transform long-term care” and make it possible for more patients to stay at home, said the chief of the National Council on Aging.
If you’re rich, you don’t require much financial help with long-term care. If you’re poor and can no longer fend for yourself, Medicaid pays the bills, often at a nursing home. For the rest of us, long-term care — at home or in an institution — now requires that we, or our caregivers, choose from among some unpleasant options.
We can spend down our retirement savings until we’re eligible for Medicaid funds. We can protect our savings by taking out expensive long-term care insurance — it costs my wife and me more than $5,000 a year. Or, depending on how dependent we are, we can throw ourselves, or be thrown, on the mercy of our families.
My friend — I’ll call him Frank — was a retired lawyer and in great shape until four years ago. He had just turned 90 when emergency surgery laid him low for months on end. Then his sight and hearing began to go. “I’m one of the lucky ones,” his wife, Helen, told me. “His mind is fine. But he can’t get around on his own — he falls, even with a walker. He can’t make a cup of tea or shower by himself.”
For now, Helen can afford to hire an aide for a few hours a day to help with Frank and allow her to get out of the apartment. “James gives me a life,” she said. The future looks darker.
Surveys show that 90 percent of Americans want to age at home. Frank is no exception, but he never signed up for long-term care insurance. “If I couldn’t keep taking care of him, I don’t what I’d do,” Helen said. “If he went into assisted living, it would use up all our money. It’s very scary.”
CLASS, one of the legacies of the late Ted Kennedy, offers caregivers and care recipients another option. “If it’s successful, if a large enough number of people sign up, it will transform long-term care,” says James Firman, president and CEO of the National Council on Aging. “It will create a market-based economy for keeping aging people at home.”
That’s an important “if,” since the program, by law, must be self-sustaining. Premiums will generally be collected as part of workers’ payroll deductions unless they opt out. The younger the worker, the smaller the premium.
There is a vicious circle built into the current arrangements. Many caregivers must hold down a job and maintain their own separate family household while also watching over an aging parent. That kind of pressure can have consequences.
In recent studies, workers 18 to 39 years of age who were caring for an older relative had significantly higher rates of hypertension, depression and heart disease than non-caregivers of the same age. Overall, caregivers cost their companies an extra 8 percent a year in health care charges and many more unplanned days off.
In other words, the strains of family caregiving can hasten the caregiver’s need to be the recipient of care.
CLASS bids to crack if not break that vicious circle. Its benefits would make it much simpler and less expensive for families to make sure Mom gets the support she needs to be able to spend life’s endgame where she wants — in her own home. Good news for Mom, and good news for the future health of her caregivers.
In the last few days, I’ve conducted a poll of a dozen friends who have been closely following the health care reform debate. I wanted to find out how much they knew about CLASS.
Not one among them had even heard of it. It somehow seemed fitting that this major program, just like the caregivers themselves, was hidden in plain sight.
I just read a motivating blog post written by the son of baby boomers. He shares the grim picture facing his parents due to the stock market preformance and their lost retirement savings.
But why was it motivating? It was motivating because he recognized the resilent spirit of his parents when they found other options to supplement thier income like Ebay.
I also admire his sensitivity to many other babyboomers who are not able to physically or mentally seek other options. He writes an excellent blog post and I wanted to share it with my readers.
I am really hoping that one day I can read or hear the story directly from their parents. If only I could interview them. Plus, since hubby and I have jumped into Ebay with all 10 toes I am very, very interested.
Now I just read one of the best summaries about the Health Care Reform Bill as it relates to baby boomers.
Of course many reading this post are die hards against the bill and that is ok because as baby boomers we have much to share based on our own level of experience, education and edgy focus.
YES, I am for the health care reform bill. Now, I have said it and stand by it. For me it has nothing to do with my political views, race, religion or the fact that I am not an insurance lobbyist. For me it means hope and help for many people that need the reform.
A cool CREATIVE tab that features “How to Videos”. The video featured now has a mom and child showing you how to create something called a spiral spinner. Plus there are more. What a great idea for working with your child or grand. But wait, this would be good if you were working with seniors at a center. The idea is “creativity”.
ACTIVITIES tab has oodles of coloring pages you can print then color. Wow, who can get bored?
LIGHTS CAMERAS COLOR tab gives you an opportunity to turn your photos into coloring pages. They stream your current photo ablums in your Facebook. Need I say more?
So, yes, this is a fun and safe place to play. it is also a stroke of genius by Crayola.
I just looked at this blog post on AOL News and it makes a very interesting correlation with still working baby boomer husbands and divorce status. But don’t stop there you just have to read the comments on the blog post. It is a hoot!
I am trained as a Community Health Educator. I still work as a Health Educator and actively maintain a blog on health issues. I also actively advocate using social media to promote public health messages. Hence, I belong to many public health pages and groups.
This page belongs to an innovative School of Public Health in Provo, Utah. It has several posts that provide great public health information. It also has volunteer and internship opportunities. I like it.
I am surprised that the entire school is not involved. There are a couple of videos and lots of pictures on the site. I encourage you to join because of the updated health information. If you are a student you will get career information and updates.
I love copywriting. I am a wanna be copywriter but right not the cost of taking a course is not in my current budget. So, I learn by seeing, reading and joining great fan pages like this one.
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