Caregivers in Minnetonka MN
October is Critical Illness Awareness Month. The name alone can take the wind right out of the sails of a child with an elderly parent in ill health. The truth is, with the progress in medicine and health care, people often survive what had once been deemed a fatal illness. The other truth is that a large number of older adults will experience a critical illness in their lifetime. Critical illness is a disease that has the potential to threaten life or the quality of life. That vague definition leaves room for interpretation, but most would consider the following just a partial list of critical illnesses: Alzheimer’s, certain cancers, severe heart attacks, Parkinson’s and stroke of a specific severity.
Assurity Life Insurance Company created this event to bring awareness to, of course, insurance coverage. It is a good reminder to take a look and prepare for unexpected circumstances that arise in everyone’s life, and to talk to someone knowledgeable in the area of health, long-term care and critical illness insurance. Unless one is in the business, it’s difficult to keep up on changing policies and all the different options.
What is it?
Critical illness insurance covers such illnesses by helping to pay for hospital fees and lost wages. It pays out a tax-free lump sum with the amount dependent on the illness and the specific policy. What exact illnesses are covered will vary according to the specific policy. While health and long-term care also cover these, the co-payments can mount up quickly when dealing with one of these illnesses.
When, and if, the Illness Strikes
Having a parent diagnosed with a critical illness can seem like the world is caving in. Helping them maneuver through health care options, possible dietary changes, and the potential side effects of their treatment and new medications can seem overwhelming. Letting them know what to expect goes a long way to easing their fears. Remembering to keep an upbeat attitude can take all the strength you possess. As Helen Keller shared, “Although the world is full of suffering, it is also full of the overcoming of it.” If the parent needs more care than family members can provide, an in-home elder care provider can not only assist with the activities of daily living, but provide support and companionship during a challenging time.
If you or an aging loved one are considering caregivers in Minnetonka, MN, and the surrounding areas, please contact the friendly staff at CareBuilders at Home Minnesota. Call today 612-260-2273.