Barbara Bush's Death Highlights End-Of-Life CareApril 24th, 2018
End-of-life is always stressful for family members and friends. DId you know Long-Term Care Insurance can help make this easier for your family? The key is to plan in advance with affordable Long-Term Care Insurance.
Former First Lady Barbara Bush, the wife of former President George H.W. Bush and the mother of former President George W. Bush, passed away at age of 92 after suffering from congestive heart failure and chronic obstructive pulmonary disease, according to Bush family spokesman Jim McGrath.
Her death, however, has brought attention to end-of-life care that often follows illnesses or long-term care situations. In a public statement, the family said she decided “not to seek additional medical treatment and will focus on comfort care.” This comfort care, or hospice care, as brought front and center how to address end-of-life issues.
There has been a national effort to define and document patients’ wishes, and consider alternatives, before they are placed on what has been described as a “conveyor belt” of costly medical interventions aimed at prolonging life. Often, this end-of-life care comes after years of long-term care services and supports. Unlike long-term care, where a person and still enjoy a good quality of care, end-of-life can be very costly in addition to prolonging suffering from an illness.
Ellen Goodman, co-founder of the Conversation Project, which encourages families to discuss and document their end-of-life preferences, applauded the Bush family announcement.
“It sounds like this forthright, outspoken woman has made her wishes known and the family is standing by her,” Goodman said.
Technically, hospice and palliative care are different, but they are both considered “Comfort care”. Palliative care can begin at diagnosis of a life-ending health issue while hospice care is relegated to the last six months of life. Many people in either hospice or palliative care may have been receiving long-term care services as well prior.
The Hospice Foundation of America says that hospice is “a set of services that we all may need someday – if not for ourselves, for our parents. While death is not an option for any of us, we do have choices about the services we use at the end of life. Hospice is undoubtedly the best option in the last months of life because it offers a whole variety of benefits, not only to those of us who are dying but also to those we leave behind.”
They suggest 16 questions to ask when choosing a hospice: http://hospicefoundation.org/End-of-Life-Support-and-Resources/Coping-with-terminal-illness/how-to-choose/questions-to-ask
Many experts say the word hospice can scare people. In recent years many health professions now use the word “comfort” to help people be more open and accepting to this end-of-life care.
Both palliative and hospice are an attempt to manage pain and symptoms. In a palliative care situation, the person is getting support that might be provided while the person is receiving aggressive treatments.
The National Institute on Aging says palliative care can be a resource for anyone living with a serious illness, such as heart failure, chronic obstructive pulmonary disease, cancer, dementia, Parkinson’s disease, and many others. Palliative care can be helpful at any stage of illness and is best provided from the point of diagnosis.
In addition to improving quality of life and helping with symptoms, palliative care can help patients understand their choices for medical treatment. The organized services available through palliative care may be helpful to an older person having a lot of general discomfort and disability very late in life. Palliative care can be provided along with curative treatment and does not depend on prognosis.
As a person gets closer to the end of life, more people are choosing hospice care. Hospice can be provided in any setting—home, nursing home, assisted living facility, or inpatient hospital.
Hospice care brings together a team of people with special skills. This includes nurses, doctors, social workers, spiritual advisors, and trained volunteers. They work together with the individual who is dying, the caregiver, and/or the family to provide the medical, emotional, and spiritual support needed.
A hospice team member will visit regularly. Someone is always available by phone—24 hours a day, 7 days a week.
In either case, this type of care reduces the burdens on loved ones and brings everyone greater peace-of-mind.
Whether it is called “comfort care” “palliative care” or hospice” this care makes it easier on everyone at the end-of-life. If you have a Long-Term Care Insurance policy, it may provide benefits for hospice. Ask your agent if you are unsure. When you purchase a Long-Term Care policy, usually in your 40s or 50s as part of an overall retirement plan, be sure to ask the agent about end-of-life care.
If you have not yet investigated Long-Term Care Insurance experts suggest doing so prior to retirement. These plans will not only safeguard savings and income but will reduce the burdens which extended care places on a family member. The US Department of Health and Human Services says a majority of us will require long-term care. The cost of care is high and normal health insurance including Medicare and Medicare supplement will not pay for it outside of a limited amount of skilled services.
Caregiving is always hard on loved ones as well. These policies are very affordable but be sure to speak with a Long-Term Care Specialist who represent the major companies. Just as important, be sure they have experience in processing claims. They need an understanding how not only how these plans work but how they get used at the time of claim.
Start by discovering the cost of care in your state and any available tax incentives that may be available. Click here: https://www.ltcnews.com/resources/state-information
Barbara Bush photo by David Valdez, White House Photo Office - https://www.loc.gov/pictures/item/89715766/, Public Domain, https://commons.wikimedia.org/w/index.php?curid=17559089