Adult Day Care: What You Need to Know

Shawn Plummer

CEO, The Annuity Expert

If you are the primary caregiver for an elderly parent or loved one, you may be feeling overwhelmed and stressed. You need time to take care of your own needs, but you also don’t want to leave your loved one alone. That’s where adult day care comes in! In this guide, we will discuss what adult day care is, the benefits of using it, and how to choose the right provider.

What Is Adult Day Care?

Adult day services are nonprofit organizations that provide structured and comprehensive services such as health, social, and other related support services in a safe environment throughout the day for an elderly person who requires supervised aid.

In a group setting, social services might include health care, leisure, food, and therapeutic treatment.

Who Is Adult Day Care For?

Day services for people with mental or physical impairments, those with cognitive or functional deficits, and seniors needing social interaction and a place to go when their family caregivers are at work or just need a break are all examples of adult day service programs.

The majority of adult day centers are open during typical work hours five days a week, although some offer evening and weekend hours. They do not provide continuous care but are intended to assist and supervise elders who require assistance or supervision throughout the day.

Many of these services can help family members and caregivers who are caring for elderly relatives by allowing them to go to work or simply relax knowing that their loved one is secure and well cared for.

Who Provides Adult Day Care?

Adult day care centers can be found in a variety of places, including senior communities, nursing homes, churches and synagogues, hospitals, and schools. The goals of adult day care are to delay or prevent putting someone in a nursing home, encourage socializing with other seniors while enhancing their self-esteem.

How Is Adult Day Care Different From Senior Centers?

There are many different activities for older adults to participate in at senior centers. While adult day service centers offer more supervision, senior centers do provide a number of services, including nutrition counseling, food provision, medical screenings, recreational and social programs, and a concierge for care and service programs.

How Much Does Adult Day Care Cost?

According to Genworth, the annual median cost for adult day care (nationally) in 2020 is $19,240.

How To Pay For Home Health Care At A Fraction Of The Cost

long-term care annuity is a hybrid annuity that is set up to assist in paying for adult day care without causing retirement funds to be depleted. To create a tax-free long-Term Care Insurance benefit, an LTC annuity doubles (200%) or triples (300%) the investment (based on medical records). If there is money in the annuity, it passes along a death benefit to beneficiaries.

If you don’t have a lump sum of money lying around, another great option is a long-term care life insurance policy (LTCi). In simple terms, these policies are designed specifically for long-term care and allow the insured to access the life insurance’s death benefit while alive to pay for LTC costs. Applicants can pay a fixed premium monthly or annually instead of a one-time deposit.

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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