Resources For Aging Well

Were so used to our parents living independently that we dont always notice when they begin to struggle with handling daily activities. Changes can begin gradually as they start to slow down, or they can happen quickly, when a parent has an unexpected diagnosis or accident. No matter if you live across town or across the country, proactively creating a senior life plan for your parents will give you peace of mind and allow them to continue to live their lives to the fullest.  Communication Approaching aging parents about planning their senior years can be a touchy subject for everyone involved. As a general rule, it is recommended to start having these conversations by the time youre in your forties, or theyre in their seventies (known as the 40-70 rule). Of course, you know your parents' habits and personalities best, so you are the best judge of their physical and mental health. Here are some factors that can determine the appropriate time to initiate this conversation:         Start the conversation early, using the 40-70 rule, so you have time to make or change plans based on your parents' needs         Create a comfortable and open environment for the conversation         Plan more than one conversation so you can cover all possible issues         Take notes so you remember what was discussed and can keep track of next steps         Keep a list of all their passwords for accounts such as computer, email, phone, and cable Create a Caregiving Plan A caregiving plan will ensure everyone is on the same page about the care needed and how it will be handled as your parents age. If they require additional care, consider how you can support their needs. This might involve coordinating with local caregivers, hiring professionals to assist with certain tasks, or, if you dont live nearby, planning regular visits to spend time with them.         Have a caregiving plan ready in case your loved ones need in-home care         Discuss changes to your parents healthcare needs with their doctors          Research different caregiving options         Find out if your loved one has any specific needs to maintain their health and happiness   Health and Medical CareA senior life plan starts with understanding your parents health statuses and medical needs. When they are in excellent health, its essential that their care and treatment preferences are detailed in a living will or advanced directive and discussed with family members. Have this conversation now, during the planning stage, rather than during a medical emergency.         Designate a healthcare proxy who can speak with doctors on your loved ones behalf and make healthcare decisions, especially if they are hospitalized         Keep a list of their medications up to date, including prescriptions, over-the-counter medications, supplements, and vitamins         Keep a list of your parent's doctors and specialists, including their contact information          Ensure they are following their doctors advice and taking medications as prescribed         Make a note of the closest urgent care facility and hospital         Get to know their primary care physicians          Discuss your parents latest check-ups and help schedule upcoming appointments          Encourage your parent to write a living will or advanced directive and keep a copy on file Safety and Living ArrangementsMost seniors want to remain in their homes as they age, connected to family, friends, and community. If your parents are able to continue living at home, consider home remodeling options to help them safely age in place. In addition, develop an emergency plan with your parents and make sure they know what to do in case of a natural disaster or other emergency.         Evaluate the safety of their home and make modifications if necessary         Review any mortgage or financial concerns about the home         Check in regularly, either in person, or by phone or video chat         Consider long-term care insurance in case long-term care is ever required         Develop an emergency plan and list of emergency contacts Social and Support NetworkA strong social support network helps keep seniors healthy and active and gives them a sense of connection, belonging, and purpose. This support can include neighbors, friends, or other family members who can assist your loved one if needed. If possible, foster connections with their support network to have reliable contacts in case of emergencies.         Encourage your parents to stay socially engaged and participate in activities that bring them joy         Check if your parents have a support network in their local community         Keep the name and number of a neighbor who can regularly check on your loved ones         Create a schedule of friends and family who call or regularly video chat          Ensure your parents have access to reliable transportation when needed, especially if they dont drive Review FinancesDiscussing finances can be tricky. Seniors sometimes want to keep their financial information private, even from family members. Reassure them that they can keep exact dollar amounts confidential, but make sure you have access to the information if you need it. Have them assign a Durable Power of Attorney (POA) to someone who can make financial decisions on their behalf. When going over how your parents would like their finances handled, topics to discuss include outstanding debts, homeownership, savings, and retirement funds.         Find out what financial accounts are open and where they are held          Make a list of advisors contact information          Ensure they are making informed decisions about retirement, investments, and insurance         Stay up to date on Social Security benefits          Check that beneficiary designations are current         Make sure your loved ones have a POA representative         Streamline bill paying by setting up automatic payments          Ensure they know how to avoid scams Gather Legal Documents Discussing and taking care of legal issues while your parents enjoy good health can ensure everything is planned and understood. Make sure you know where your parents keep their personal information and important documents in case you need them. Go over everything together and meet with their estate planner so you can ask questions about their wishes and how to ensure they are carried out.         Discuss important documents and where they are stored         Find out if your parents have a will and a living will, and where they are located         Make sure their POA for finances and healthcare proxies are in order         Read through their estate plan/will to make sure beneficiaries and responsibilities are correct and up to date Review Insurance PlansRegularly review your parents insurance policies. Its essential to know if their policies are adequate, up to date, and where the accounts are located. This information can help avoid undue financial burdens during medical emergencies or accidents.          Make a list of active insurance policies such as auto, home, health, long-term care, etc.         Review homeowners, auto, and life insurance policies to ensure they are adequate and up to date         Review health insurance coverage for any policy changes that need to be made based on current or future needs  Aging Parents Checklist Although caring for an aging parent often means taking on financial, legal, and other responsibilities, it can also be a time to reflect on happy memories and plan for a future that includes more joyful moments. The aging parent checklist below can help you ensure youve got all the bases covered when it comes to life planning and the next steps for your aging loved ones.  Although caring for an aging parent often means taking on financial, legal, and other responsibilities, it can also be a time to reflect on happy memories and plan for a future that includes more joyful moments. The aging parent checklist below can help you ensure youve got all the bases covered when it comes to life planning and the next steps for your aging loved ones.    Communication          Have the conversation early so you have time to make or change plans based on your parents' needs          Create a comfortable and open environment for the conversation          Take notes so you remember what was discussed and keep track of your next steps          Keep a list of all their passwords for accounts such as computer, email, phone, and cable Health and Medical Care            Designate a healthcare proxy who can speak with your loved ones doctors and make decisions          Keep an up-to-date list of all their medications, including over-the-counter, supplements, and vitamins          Keep a list of their doctors and specialists, including their contact information           Ensure they are taking medications as prescribed          Make a note of the closest urgent care facility and hospital          Get to know their primary care physicians           Help schedule upcoming appointments           Encourage your parent to write a living will and keep a copy on file Ensure Safe Living Arrangements          Evaluate the safety of their home and make modifications if necessary          Review any mortgage or financial concerns about the home          Check in regularly, either in person, or by phone or video chat          Consider buying long-term care insurance          Develop an emergency plan and list of emergency contacts in case of a natural disaster or other emergency Create a Caregiving Plan          Have a caregiving plan ready in case your loved ones need in-home care          Discuss changes to your parents healthcare needs with their doctors           Research different caregiving options          Find out if your loved ones have any specific needs to maintain their health and happiness  Social and Support Network            Encourage your parents to stay socially engaged and participate in activities that bring them joy          Check if your parents have a support network in their local community          Keep the name and number of a neighbor who can regularly check on your loved ones          Create a schedule of friends and family who call or regularly video chat          Ensure your parents have access to reliable transportation when needed, especially if they dont drive Review Finances          Find out what financial accounts are open and where they are held           Make a list of advisors contact information           Ensure they are making informed decisions about retirement, investments, and insurance          Stay up to date on Social Security benefits           Check that beneficiary designations are current          Make sure your loved ones have a POA representative          Streamline bill paying by setting up automatic payments           Ensure they know how to avoid scams Gather Legal Documents             Discuss important documents and where they are stored          Find out if your parents have a will and living will, and where they are located          Make sure their POA for finances and healthcare proxies are in order          Read through their estate plan/will to make sure beneficiaries and responsibilities are correct and up to date Review Insurance Plans          Make a list of active insurance policies such as auto, home, health, long-term care, etc.           Review homeowners, auto, and life insurance policies to ensure they are adequate and up to date          Review health insurance coverage regularly for any policy changes that need to be made as needs change Review Insurance Plans          Make a list of active insurance policies such as auto, home, health, long-term care, etc.           Review homeowners, auto, and life insurance policies to ensure they are adequate and up to date          Review health insurance coverage regularly for any policy changes that need to be made as needs change   Comfort Keepers Can Help This checklist gives seniors and their families a way to confidently and purposefully navigate the next few years. We offer resources with helpful information and insights that help you care for your loved ones so they can experience all that life has to offer. And if they need in-home care, we can provide compassionate care that focuses on connection and purpose and experiencing more joy every day. To learn more, contact us today.