Many persons find that they and their families are attached with a lasting bond to their beloved and faithful pets. Few people in Texas, or anywhere else for that matter, have done anything to provide long-term care for their pets in the event that they are left without the care of their owners at some time in the future. Fortunately, it is not that difficult to set in motion certain contingencies to take care of pets should an unfortunate separation occur.
Experts in elder care planning in Texas and elsewhere recommend strongly that families have a conversation with an elderly parent about his or her preferences and desires for long-term care. The talk must take place when the individual has control of his or her faculties and can contribute to the conversation. Early planning for long-term care can ultimately assure financial and emotional stability for all of the concerned family members.
It is difficult to engage people in a discussion of long-term care needs when they are busy making sure that their expenses today and tomorrow do not exceed their budgetary constraints. People in Texas and elsewhere are reluctant to talk about long-term care when those needs seem so far away and possibly unnecessary. However, ignoring long-term care planning can be a devastating mistake under most life outcomes.
One of the biggest challenges a person can face is preparing for the day when one may no longer be independent and self-sufficient. Due to a decline in physical or mental health, or both, the day may come when a person has to rely on others to make decisions about his or her long-term care. Lest one views the subject as too gloomy to worry about, it should be remembered that the U.S. Department of Health and Human Services reports that 70 percent of those 65 and older, including residents of Texas, will need some form of long-term care.
The key problem that arises with respect to elderly planning is the high cost of extended care facilities during one's later years. Many people do not begin to even thing about long-term care until they hit their eighties, but due to the five-year look back period it would be far better to take this up in one's early to mid-sixties. There are numerous rules in Texas that provide the qualifications for one to be able to get Medicaid services, and an early consultation with an elder law attorney would be a good way to becoming well informed and prepared.
Elder law professionals and financial advisers in Texas and elsewhere generally recommend that a family have an honest and forthright conversation with an elderly loved one to discuss the elderly person's wishes and intentions for those later, advanced years in life. Elder law planning is best done early, when the individual is still in full control of his or her faculties and physical health. It will prove to be critically helpful when advanced age makes it difficult for one to function independently.
Elder law planning in Texas is a critically important process that goes hand-in-hand with estate planning. In elder law planning, the concern is more focused on the care of the elderly loved one during those late years when incapacitation may become an issue. The majority of persons will unfortunately face the fact that they will need either institutionalized care or that they will need to pay for in-home care.
When siblings are called upon to take care of an elderly parent, the stage is set for conflict, especially where the siblings do not communicate freely and regularly on the problems and issues that may arise. A first issue in elderly planning that often arises in Texas and elsewhere is who will be the primary caregiver. Where one sibling resides close to the ailing parent, that will often be the deciding factor.
When a child is helping an elderly parent with the potential needs of long-term care, it may be critical to get some planning done as soon as possible. This is important in the event of an untimely deterioration in the parent's health, which may make discussions and elderly planning highly problematic. For Texas residents, advance elderly planning can save substantial assets and ease the transition for all concerned.
According to one specialist on the subject, long-term care in this country has become convoluted and in need of a legal overhaul. Because of the levels of uncertainty built into the system, elder law planning in Texas and elsewhere must take place as early as possible. As previously mentioned, it can be decisively important to have discussions and family meetings with the elderly loved one regarding desirable options.