By Jane McNamara, Elder Law Attorney

Baby Boomers are often are forced to assume the role of the "parent" to their elderly Mom or Dad.  As the elderly parent becomes frail and health issues arise, the adult child faces numerous difficult and important decisions regarding medical care and living arrangements for their elderly parent. Most adult children are suddenly confronted with these decisions when a health care crisis strikes.  Suddenly, Mom falls and breaks a hip, Dad is diagnosed with dementia, or the parent suffers a stroke.  Once hospitalized, the adult children are shocked to learn that Medicare pays only for the first 100 days of skilled nursing after certain restrictions are met.  This means that if Mom or Dad needs skilled nursing care or rehabilitation after a serious health issue, Medicare (or the senior's Managed Care Plan) will pay, either in full or with a co-pay, for a maximum of 100 days.    The senior is then required to privately pay for the care, which often exceeds $4000.00 per month.

Many seniors must consider applying for Medi-Cal in order to pay for nursing home costs.  Extensive rules and regulations must be followed in order to qualify for this needs-based program.  However, with proper planning, the senior may preserve some or all of their resources without spending their life savings on nursing home care.  It is important to seek legal advice in this area, as the complex rules change frequently.

If the elder recovers sufficiently to return home, the adult child should ensure that isolation and depression do not occur.  Mom or Dad may enjoy trips to Santa Clarita's wonderful Senior Center for activities, lunch, and socialization.  The Santa Clarita Adult Day Health Care Center provides care, nursing, therapy, and socialization for seniors and disabled individuals who require extra attention.  A part-time caregiver may be needed to assist in the home.   When considering this option, make sure the company selected provides bonded, insured, and criminally background checked caregivers, such as Comfort Keepers In-Home Care. Assisted Living Facilities provide safe community environments, but must be privately paid for by the senior.   Or, depending upon the level of care needed, a skilled nursing facility (nursing home) may be the best or only alternative.

There are many decisions to be made.  Of course, the care and best interests of the elderly parent are always at the forefront of any decision.  With thought and planning, the adult child can guide the elderly parent through the complex maze of issues, and provide the best quality of life possible for the aging parent.