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Food For Thought to fulfill key messages of Social Work Month 2010
By Beth Paterson
During March we recognize and honor Social Workers for the value they bring to our seniors. In a variety of roles, with their knowledge and experience in providing resources social workers assist our seniors. The National Association of Social Workers provides a list of Key Messages for Social Work Month 2010. These include inspiring to improve lives and assisting with problem solving as well as resolving issues that may negatively impact the community. I'd like to offer some food for thought tying into these messages.
Ninety-three percent of seniors want to remain in their home. They are comfortable living in the home and community with their memories where they raised their children, know the neighbors, are familiar with the grocery store and the pharmacy. They feel safe and warm in their familiar surroundings. With the home as their identity it gives them comfort being in their long time home. So let's talk about a couple ways to help fulfill the desires of seniors, improve their lives and help them stay in their home and their community.
Home care services are an option to help seniors who need some assistance to remain in their home. Everything from short time-frames to 24 hour care, including recovery care and respite care or even nursing level of care is available. Home care services can help seniors live at home indefinitely. The one-to-one ratio of care versus 1.5 or more of care per person in a nursing home offers safety.
Their services offer:
An assumption is often that one needs to move to assisted living, a nursing home or care center. What is not realized is that rent in assisted living can be $3,000 to $4,000 per month. Additionally home care services are added on to the rent bringing the monthly costs to over $5,000 to $8,000. Nursing home care can run $6,000 to $12,000 a month depending on a single or double room, the facility amenities and level of care.
Wondering how to pay for home care and keep the seniors in their home? A reverse mortgage may be the solution. A reverse mortgage is a home equity loan with special terms for senior homeowners 62 and older. Income and credit score are not required to qualify. Reverse mortgage facts are:
Consider this…
I have often heard how seniors and their families have benefited from using a reverse mortgage to pay for home care. "Once we realized that we could only relieve the stress on us by contracting 24-hour [at home] nursing care for grandma, a reverse mortgage was the only way to do it." Liz wrote me. Another borrower, Robert, did not want to go to a nursing home, yet he needed long term care. George, Robert's son, decided they should do a reverse mortgage to pay for the home health care needed to keep Robert at home where he had raised his children. Robert is happy because he is living where he chooses. George is happy the family can fulfill Robert's wishes of staying in his home and still receive the needed care.
Just last week I received a note from one of my reverse mortgage borrowers stating that she has been homebound for several months receiving home care from Home Instead. She said they have provided excellent care and helped her immensely to remain in her home where she is comfortable.
Giving seniors the freedom to stay in their home fulfills their desires of remaining in their home close to their memories and familiar surroundings. Social Workers offering home care and reverse mortgage options fulfill the Social Work Month Key Messages with inspiring to improve lives, assisting with problem solving and resolving issues as well as having a positive impact on the community. Happy Social Work Month to all our social workers!
© 2010 Beth Paterson 651-762-9648
Beth Paterson, Executive Vice President of Prestige Mortgage, LLC/Reverse Mortgages SIDAC has specialized in reverse mortgages since 1999. Known as The Experts Excelling in Service they provide security, independence, dignity and control to senior homeowners 62 and older, faster and easier.
Related articles can be founds at Beth's Reverse Mortgage Blog, http://bethsreversemortgageblog.wordpress.com/
For information on reverse mortgages visit http://www.rmsidac.com/
For information on home care services in the Faribault area visit Home Instead Senior Care
What a GREAT looking Group 
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All the profits from the book sales go to benefit the
Home Instead Senior Care Foundation
http://www.homeinsteadseniorcarefoundation.org/
The Foundation was established in 2003 as a means to furtherenhance the health, safety, support services and lives of older adults and go "above and beyond"
the Home Instead Senior Care mission
The following are GRANTS in 2009 in MN
Jewish Family and Children's Service
Little Brothers - Friends of the Elderly
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The Boys pose with a Senior whose day they got to brighten
The Boys put on their best smile as they do it once again.
Preparing for the Delivery by warming up with Hot Chocolate at 
