The Long-Distance Caregiver

EDITOR'S NOTE: This article was originally published in the May 2009 issue of Kiplinger's Retirement Report. To subscribe, click here.

Visiting her mother a little more than a year ago, Ann Hofkin confronted a harsh reality: The 84-year-old was slipping. Checks weren't cashed, the cat's litter box was dirty, and there wasn't much food in the refrigerator. The usually tidy home was in disarray.

Hofkin's mother also seemed depressed. She had little interest in eating. "I was concerned that she was taking very poor care of herself," Hofkin, 65, says.

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

The situation was complicated by the fact that Hofkin lives in Long Lake, Minn., while her mother resides in a continuing-care retirement community outside Boston. Hofkin is one of seven million long-distance caregivers. These are adult children who care for aging parents who live an average of 450 miles away, according to the National Alliance for Caregiving and the MetLife Mature Market Institute.

Adult children often first realize that Mom or Dad needs help when there's a sudden hospitalization or a frantic call from an overwhelmed parent. In many instances, a child will discover evidence of a parent's deterioration during a visit.

Having to move quickly, family members who live far away are unable to easily navigate the labyrinth of medical, social and financial resources that aging parents may need to live safely in their own home. "It is very difficult for a layperson to manage the different aspects of the fragmented delivery system," says Penny Hollander Feldman, director of the Center for Home Care Policy and Research at the Visiting Nurse Service of New York, located in New York City.

If you're too far away to monitor a parent, you have a couple of options. You can hire a professional to oversee your parent. Or you can coordinate the care yourself by assembling a network of neighbors, medical specialists, drivers, housekeepers and other helpers.

In either case, you first should get a geriatric assessment, in which a professional identifies problems and suggests a care plan. An assessment ranges from $100 to $500, says Feldman. Such an assessment would cover a range of issues: Is your parent showing signs of depression or dementia? Does a parent need help preparing meals? Are bills getting paid?

Ask your parent's doctor or a hospital discharge planner for the name of someone who performs geriatric assessments. You can also get a recommendation from the local Visiting Nurse Associations of America (www.vnaa.org; 202-384-1420) or the local Area Agency on Aging (use the Eldercare Locator at www.eldercare.gov to find the nearest agency or call 800-677-1116). Or contact the National Association of Professional Geriatric Care Managers (www.caremanager.org; 520-881-8008).

Once you get the assessment, you'll need to decide how to proceed. Hofkin, a photographer, decided to hire a geriatric care manager. A physician friend referred her to Suzanne Modigliani, a Brookline, Mass., clinical social worker.

Geriatric care managers assess and address the complex needs of the elderly. They'll arrange for transportation to doctor's offices and make sure a parent's house is fall-proof. If a parent's health deteriorates, a care manager can decide if assisted living or a nursing home is the best option and then find a suitable facility.

After conducting an evaluation, Modigliani presented Hofkin and her siblings with a plan to help Mom remain at home. She found a personal organizer, who set up a system for bill-paying, closed some bank accounts and sorted through clothing.

Modigliani also found a psychiatrist for Hofkin's mother, who suffers from depression, anxiety and mild dementia. She hired a driver and a home-care aide, and monitors these service providers.

When Hofkin's mother needed to be hospitalized last summer, Modigliani arranged for a private aide to stay in the hospital room. She helped the elderly woman address some issues, such as the amount of attention she was getting from the doctor. During her regular visits, Modigliani checks if her client is taking her medicine, exercising and eating enough. "It eases everything for us and my mother," Hofkin says.

[page break]

Hofkin's family pays Modigliani $140 an hour. Care managers charge hourly rates running from $75 to $150, says Deborah Newquist, a care manager in Costa Mesa, Cal., and past president of the National Association of Professional Geriatric Care Managers.

Modigliani says that the number of hours that she's spent with Hofkin's mother each month has ranged from seven to more than 20. "Cases absolutely take much more time at the beginning to set things up, but then can become weekly monitoring," she says.

Geriatric care management is not a licensed field, so it's important to get references. A care manager should be a licensed or certified nurse, social worker or therapist. Find out if the manager is a member of the association of geriatric care managers.

Doing It on Your Own

If you don't want to use a care manager, you can put together the care pieces yourself. That's what Michelle Baker of Bethesda, Md., did seven years ago when her mother, Ann McLeod, of Asheville, N.C., began suffering the effects of dementia and cardiovascular disease while she was in her late fifties. Baker cobbled together a network of family friends, neighbors and professionals to help her mother, who lived alone.

An Asheville hospital social worker suggested that Baker get her mother a Philips Lifeline medical alert system. Baker put three friends and neighbors on the contact list. If McLeod fell or had an emergency, she could press a button to notify her support system.

These three friends, plus five others, agreed to check on her mother, pick up groceries and get her to doctor appointments. In addition, Baker stayed in touch with her mother's physicians and part-time home-care workers. "It was a complicated care network," Baker says. She had the system in place for nearly two years before McLeod moved in with her. McLeod later moved to an assisted-living facility.

Baker advises that obtaining durable powers of attorney will give caregivers the right to make legal, financial and health-care decisions. Doing this early on, she says, "saves you a lot of time and frustration later."

At the first signs of a problem, contact your parent's primary-care doctor to determine if there is a medical cause. For instance, drug interactions are common among those taking multiple medicines and could be the cause of dizzy spells, lethargy or lack of appetite.

To make a long-distance-care plan work, it's essential to assemble a network of friends and neighbors, as Baker did. Set up a schedule for regular check-ins. Baker advises that you don't depend too heavily on any particular person in the network.

You'll also need to find services in your parent's community. Your network can help with this. Your parent's place of worship may also know of resources or even deliver services.

The local Area Agency on Aging is a free resource for providing names of home health aides, homemakers, transportation services, senior centers, adult daycare and home-repair contractors. The agencies can also help you assess the types of services you will need.

If your parent suffers from cancer, Alzheimer's or any other condition, look to patient-advocacy organizations for help. The Alzheimer's Association (www.alz.org; 800-272-3900) and CancerCare (www.cancercare.org; 800-813-4673) provide local information and resources for both patients and caregivers.

When you hire a home aide, prepare a schedule of duties. Call the aide regularly, and ask one of your parent's friends to drop by occasionally while the aide is there to make sure that nothing seems amiss.

If you need to hire a personal organizer, as Hofkin did, ask an accountant or elder-law attorney for a referral. Or find one at the American Association of Daily Money Managers (www.aadmm.com; 877-326-5991).

For many seniors, cooking or grocery shopping is an issue. The local aging agency can recommend nutritionists and food-delivery services. Meals on Wheels (www.mowaa.org; 703-548-5558) could be an option, and some programs offer additional services. For example, Meals on Wheels and More in Austin, Tex., offers grocery-delivery, handyman and pet-care services.

Find out which local food shops deliver. If Dad can't cook, a personal chef could prepare a week's worth of meals. To find a personal chef nearby, visit the Web site of the American Personal & Private Chef Association (www.personalchef.com; 800-644-8389).

Consider your parent's social life. Put a plan in place to help your parent pursue favorite activities. Perhaps that could take the form of regularly scheduled outings to a senior center, which can offer everything from theater trips to a game of bridge.

Also, gather important information, such as a medication list, bank- and brokerage-account details, Social Security numbers, and contact information for doctors, health insurers and pharmacists. Know where a parent keeps important documents, such as birth certificates and insurance policies.

It's wise to plan ahead, says Carol Levine, director of the Families and Health Care Project at New York City's United Hospital Fund. Levine says adult children should talk with their parents while they're still healthy about their wishes regarding living at home or moving in with adult children, powers of attorney, and end-of-life decisions. "It's preferable not to have to do this in a crisis," she says.

For more authoritative guidance on retirement investing, slashing taxes and getting the best health care, click here for a FREE sample issue of Kiplinger's Retirement Report.