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Caregiving Tip Sheet – Care for Caregivers

Introduction
Don’t Be Afraid to Ask for Help
It’s Not Easy to Tell Your Parents What to Do
Take Care of Your Mental Health
Stay Informed
Take Time Out
Laugh
Hire Help

Introduction

Those who care for others need to
be sure to take care of themselves. 
Don’t be afraid to ask for help.

If you're caring for an aging parent or facing the challenges of assisting a loved one or friend who is chronically ill, disabled or elderly you are not alone. You are one of the 22 million Americans who care for an older adult. Caregivers provide 80 percent of in-home care, but unlike nurses and home health aids, they are unpaid for their labor of love.

"Caregiving is a difficult job that can take a toll on relationships, jobs and emotional well-being," says Dr. Elizabeth Clark, executive director of the National Association of Social Workers. "Those who care for others need to be sure to take care of themselves, as well."

Here are some important tips for caregivers:

Don't Be Afraid to Ask For Help.

We tend to wait until we are in crisis before asking for help and consultation. Seek out the help of a licensed clinical social worker or other trained professional.

It's Not Easy to Tell Your Parents What to Do.

The most difficult thing about caring for a parent is the day you have to tell them they need to have help, they can no longer drive or they may have to move from their home. Discuss longterm care wishes and desires before any decline happens.

Take Care of Your Mental Health.

It is not unusual to feel frustrated with your parents or children when they refuse your input and help. Seek a referral to a professional who can help you cope with your personal issues and frustrations.

Stay Informed.

We live in a world of constant change. Medications and treatments are constantly changing and the only way to keep up-to-date is to stay informed with the latest news. Attend local caregiver conferences, participate in support groups, speak with friends and relatives, and talk with professionals in the field of gerontology and geriatrics.

Take Time Out.

Caregivers who experience feelings of burnout need to accept that occasionally they may need a break from their loved one in order to provide them with the best care.

Laugh.

Humor and laughter are tremendous healers.

Hire Help.

If possible, you may want to hire help. The most important thing is to find trustworthy people to provide assistance. Use recommended home care agencies, talk with friends about their experiences and interview professionals before deciding on the one you are going to retain.

For more information about caregiving or to find a social worker, visit http://www.helpstartshere.org.

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Caregiving – Your Options: “What’s Up Doc?” Talking With Your Health Care Professional

Introduction
The Importance of Good Communication
Crucial Information
Attention for the Caregiver
Be Prepared With Questions

Introduction

How many of us have gone to the doctor and left the office without asking questions we had planned to ask? Or perhaps you have left your doctor's office without having a clear understanding your health condition. Or maybe you have been worried about something not addressed during your doctor's visit and this worry adds even more stress to your situation.

Each of us has probably felt this way at one time or another. Whether we are professional health care providers, or family caregivers, learning skills to improve communication with our health care professionals can only benefit the patient, the caregiver, and the health care professional or doctor.

The Importance of Good Communication

Good communication between caregivers and their physician or health care provider will enhance a family member's care, and for the professional health care provider, will make visits more efficient and thorough. Both patient and health care provider can benefit from improved skills in communication regarding medical conditions, concerns, and questions during an office visit.

Our parents might have had a harder time asking their doctor for a few more minutes of explanation, or what the side effects of a medication are, but we have learned over time that, we have the right to get answers from the doctor during a visit. The better prepared we are before we go into the doctor's office, the less stress to "think on their feet" the patient and/or their family caregiver will experience.

There are a number of communications pointers caregivers can learn for themselves as well as the person they are caring for:

  1. Learning to focus
  2. Staying calm and clear when visiting the doctor
  3. Knowing the most relevant questions and how to ask them, and
  4. Knowing not to leave until questions are satisfied, within reason
Crucial Information

If you were to ask a caregiver what were the most important components of a meeting with the doctor, they would likely say they wanted a clearer explanation of the condition, medications, and recommended treatment plans. They want unrushed time with the doctor. They also want the doctor to be sensitive to the impact of their family member's illness on them, the caregiver, and the practicality of follow-through with care regimens.

A few moments of face-to-face, in seated conversation, would give the caregiver a sense that he or she had connected with the health care professional and hopefully that the health care professional had addressed their feelings, worries, and concerns. This is much harder to bring up when the doctor is standing at the door, reading the chart, or not making eye contact.  Family caregivers need to trust that the doctor is being forthright, honest, and direct with questions posed to them by the patient or the caregiver.

Attention for the Caregiver

Finally, but certainly not less important, is the need caregivers have for the health care professional to simply ask the caregiver how he or she is doing. This is not intended to open up the caregiver's whole life story, but rather to ensure the health care professional sees the family unit in context, making sure caregivers feel heard.

Too often caregivers feels ignored or even that their role is minimized or taken for granted by the physician. (Sometimes caregivers themselves minimize their role too.) When caregivers know the physician recognizes the many responsibilities that are carried out by the family, caregivers feel acknowledged and this makes for a healthier, more satisfied customer. Satisfied customers, whether patients or patient advocates, are what doctors want to have, as they are more cooperative and compliant with care regimens.

It is also important to show the physician that you expect basic information and questions answered. If you find yourself in a situation where the health care professional does not address you or your questions, you might do best by addressing it head on. If, after that, they do not demonstrate an interest in satisfying your questions, you might consider switching doctors.

Be Prepared With Questions 

Likewise, if you ask physicians what would make the office visit run more smoothly and efficiently from their perspective, they will have additional recommendations that all of us should heed, taking into consideration the tight scheduling concerns that limit face-to-face time. They also appreciate the time taken beforehand to prepare a list of questions and concerns, so you get the information you need at the time. This minimizes the need to call back to get them answered or let them go unanswered entirely. Thinking about the questions and keeping a list with you (you never know when you will think of something you need explanation for!) will suffice.

Also, try to keep social conversation to a minimum, and stick to the point. This will allow for more time for quality input from the health care professional. Sometimes, the hardest questions, usually those starting with "Why did . . . " or "When will . . .", are not easily answered if answerable at all. Also, give the physician room to say, "I just don't know." There is no crystal ball.

Coming to the office visit having done some basic "research" (i.e., checking on the Internet for information, listening to experts and others who have gone through similar situations, and reading) prepares you with the basics of the conditions you are facing with your loved one. The health care professional will not have to take valuable office time to give you the entire overview of all the causes, prognoses, and treatments for the condition a caregiver and patient are facing. Keep your questions specific to your loved one's situation.

While these are only guidelines, they are not intended to indicate that the physician is not interested in giving you all the information you seek. The pressure on physicians to see many patients each day has limited the time they can spend with each one. Use your time well, and the physician will appreciate it.

Don't forget, the care team is comprised of the health care professional, family and patient and understanding each other's circumstances a bit better will lead better outcomes for all.

###

The opinions expressed in this article are those of the writer, and do not necessarily reflect those of the National Association of Social Workers or its members.

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Disabilities – How Social Workers Help: Children With Disabilities in the Child Welfare System

Children With Disabilities in the Child Welfare System
Special Needs
Special Training
Death and Dying
Nontraditional Techniques
Caring for the Caregivers

Children With Disabilities in the Child Welfare System

Work with this highly vulnerable population requires specially trained, compensated, and cared-for social workers.

Case Notes: Dated October 24

Phone call received from the Children's Hospital social worker with a referral of baby Kathy, 3 months of age and recently removed from her home because of physical abuse. Kathy is diagnosed with shaken baby syndrome. I need to find a placement for Kathy as her parents are incarcerated and there are no family members available. The hospital social worker states that Kathy will be ready for discharge in three days. Will I be able to find a foster home equipped to care for baby Kathy's special needs?

Phone message left from Jacob's foster mother communicating the doctors' findings that his cancer has returned. Twelve-year-old Jacob has already had his right leg amputated and is wearing a prosthetic device that he has turned into a "weapon" when his peers tease him. His foster mother shares that she is pregnant with their first child and fearful for her baby's safety as Jacob continues to act out. She is asking for his removal from their home. I have already moved Jacob to seven different homes during his seven years in foster care. I have no idea where to look next for a home for him.

I listen a second time to the next phone message, as it is difficult to understand because the speaker is crying uncontrollably. I learn that Barbara is crying about her difficult decision. I have worked with Barbara since the birth of her daughter, Sarah, a child diagnosed with muscular dystrophy who recently acquired a feeding tube. Barbara is a good mother, learning how best to care for a child with multiple special needs. I've set up in-home services for her so her child would not require institutionalization. Today, her message tells me that she left her daughter in the lobby at the Children's Hospital, exhausted physically and emotionally from years of her care as a single mother. Barbara says she is leaving the state and not to look for her.

I arrive at the multidisciplinary meeting to discuss Jamal's emancipation from the care of Children and Youth Services to the County's Adult Services. The history was that no one expected Jamal to live—as an infant, he was diagnosed with HIV/AIDS. Both his parents died from the disease and there were no relatives to provide care. Multiple foster homes met his needs as a young child. With new medications and technologies, Jamal had a number of very good years. However, recently the disease has taken hold again, with Jamal experiencing numerous hospitalizations and near-death experiences. His most recent years have been spent in group homes, skilled nursing facilities, and hospitals. Next month, Jamal turns 21 and this meeting is an attempt to transfer his care to those in adult services. This is a difficult meeting for me as his social worker, the nurses who have provided continuous care, and his personal aide, because we know Jamal will not likely have the same level of care we've been able to provide for him as a child. Jamal appears to know this because during the last few months, he has become depressed and has periods of self-mutilating behavior. There are many providers sitting around the table as we take the next few hours to discuss Jamal's placement and services at the adult state-funded nursing facility.

Special Needs

On a continuum of vulnerability, children and adolescents with disabilities in the child welfare system are a highly vulnerable population. When a child or adolescent enters the child welfare system as a result of abuse, neglect, and/or abandonment, a comprehensive assessment needs to be completed to determine appropriate services and interventions to address the child's special needs as a result of this trauma and find an appropriate placement that can best meet the needs of the child/adolescent.

When a child/adolescent with a preexisting disability is separated from the parent/family and enters the child welfare system, already established medical and educational services for the child are often put on hold until placement is secured, records are gathered, and services with new providers are initiated in the geographical area of the placement. The child welfare worker, therefore, has a key role in identifying and accessing appropriate services for children/adolescents with disabilities and their families (biological and foster) within the child welfare system and in the medical and educational systems. To maintain children with disabilities in family and community settings, supportive, developmental, and therapeutic services must be provided to this population of children and to their biological, foster, and adoptive families (Hughes & Rycus, 1998).

A broad definition of a developmental disability is a condition or disorder—physical, cognitive, or emotional—that has the potential to significantly affect the typical progress of a child's growth and development or substantially limits three or more major life activities including self-care, language, learning, mobility, self-direction, capacity for independent living, and/or economic self-sufficiency (Federal Developmental Disabilities Act of 1984). This condition must be congenital, or identified, or acquired prior to the age of 22. Genetic problems, related anomalies in reproductive cell division, traumatic brain injury, auto accidents, and diving are common causes of injury in children and adolescents. In addition, blows to the head in child abuse or shaken baby syndrome may cause central nervous system damage. Mental retardation, cerebral palsy, paralysis, and seizure disorders are possible outcomes of head trauma.

Children/adolescents who are abused or neglected are at increased risk for developmental delays or disabilities. According to Baladerian (1992), "more than 50% of child victims of neglect sustain permanent disabilities, including mental retardation and other forms of learning and cognitive disabilities" (Prevent Child Abuse America, 2002). In a national study by Crosse, Kaye, and Ratnofsky (1993), they found that children with disabilities were 1.7 times more likely to be maltreated than children without disabilities and a study conducted in 1997 in Omaha, NE, found that children with disabilities were 3.4 times more likely to be maltreated than were children without disabilities (Sullivan & Knutson, 2002).

Research indicates that 45% to 50% of children in the child welfare system have a chronic health problem or diagnosed disability (American Humane Association, 2000). A 1997 study by the Child Welfare League of America (1999) revealed that 94% of the children placed for adoption in 1996 had special needs as related to physical disabilities, serious emotional and behavioral problems, prenatal exposure to alcohol and other drugs, and HIV/AIDS. Often, these children's special needs remain unmet, both prior to and throughout the often lengthy period that they receive care in child welfare agencies (American Humane Association, 2000).

Special Training

There is an increased need for competent, knowledgeable professionals who can advocate for children and adolescents with disabilities and their families. Trained social workers will understand the challenges that face families of children/adolescents with special needs and assist them in securing resources and in communicating their needs. Advocacy on behalf of children and adolescents with special needs requires that social workers be skilled and empowered to address areas of discrimination and inadequate resources, with the same zeal a dedicated parent would seek services for their child.

Training must go further than traditional competency training for child welfare workers. Social workers need a comprehensive understanding of legislation surrounding the Americans with Disabilities Act and how to effectively address barriers that inhibit their clients from services for their special needs. Such barriers could be physical, such as access to buildings, or medical, such as limited medical coverage related to insurance coverage or lack thereof.

Additional training in the areas of mental retardation, medical social work, developmental delay, and early intervention will better assist the child welfare worker who has the responsibility of finding and supporting appropriate placements for children/adolescents with disabilities. Social workers servicing this population will benefit from having the advanced training of a master's degree in social work to most effectively identify and work with the various systems involved. Training and networking with medical, mental health/retardation, and community resources is a necessary prerequisite for effectively caring for children with disabilities within the child welfare system (Weaver, Keller, & Loyek, 2005).

Child welfare workers carrying caseloads of children/adolescents with special needs should have training in areas of medical interventions such as CPR for infants and children for safety and competence when apart from medical providers—transporting children to visits and medical appointments. Dependent on the special needs of the child/adolescent, the social worker will need additional training in specific areas, such as the use of apnea monitors, wheelchairs, lifts, ventilators, and oxygen, even if a medical provider is present to intervene or is providing one-on-one care.

The social worker's knowledge of such equipment and interventions will enable the worker to have a more secure level of competence and comfort in working with the child/adolescent, as well as be more credible and accepting to foster parents and birth parents who are already required to have such expertise to care for the child on a daily basis. Child welfare social workers benefit from training in the area of family systems and the dynamic the child/adolescent with special needs creates among the parent(s), siblings, and extended family members. Working with the child/adolescent with special needs involves the understanding, sensitivity, and interventions with the "whole" family.

Death and Dying

Social workers benefit from having an education and a level of comfortability surrounding the emotional and spiritual underpinnings of death and dying, an area often encountered when working with children and adolescents with disabilities. Child welfare workers should have resources to meet the family's needs should a child die while in care, such as a knowledge of available funding streams for funeral and burial, the names of competent religious leaders to perform services, and funeral director(s) who can provide financially reasonable and sensitive services for marginalized populations.

Social workers benefit from having an understanding of various religious/spiritual and cultural beliefs, an area often encountered at the time of death. Social workers benefit from the ability to explore their own moral/religious/spiritual beliefs surrounding medical ethics, quality-of-life issues, living wills, etc. before working with such populations to avoid countertransference. If they want to retain competent social workers in their agency, administration must understand the impact the dying process and possible death of a child/adolescent has on the caseworker.

Internal agency support through competent supervision, mental health time off surrounding the death of a child/adolescent, and agency group process are successful administration interventions for the longevity of social work staff. The availability and funding for outside, confidential counseling to support social workers in the area of bereavement will help identify possible areas of countertransference and address the social worker's own grief and loss after providing support to children and their families (Weaver, 1999).

Nontraditional Techniques

Creativity can enhance the work surrounding children with special needs as one works outside the box of traditional child welfare. The use of animals with populations identified as "special needs" (elderly, disabled, mental retardation, mental health, prisoners) has proved insightful to their specific needs (Fine, 1999; Delta Society, 1996). Connecting children/adolescents with special needs to animal-assisted activities, therapies, and interventions provides children/adolescents in the child welfare system with not only physical assistance, but the much-needed emotional bonding and unconditional love that is often taken from them when removed from their biological families (Weaver, 2003). The creative use of agency rituals—Arbor Day and planting a tree in memory of a child/adolescent, a memory wall of names to be remembered, an agency gazebo as a safe place to retreat to privately grieve apart from the group—can demonstrate to child welfare workers providing direct care the sensitivity administration has to the effect the death of a child on their caseload has to them.

Caring for the Caregivers

Caseloads containing children/adolescents with disabilities should be smaller for social workers so effective time and energies can be spent in securing additional training and networking with other agency resources. The time spent on a child/adolescent with special needs can easily triple that of a nonspecial needs case, especially during times of medical emergency, hospitalizations, and/or replacements. Training and networking with medical, mental health/retardation, and community resources is a necessary prerequisite for effectively caring for children/adolescents with disabilities within the child welfare system.

Child welfare workers carrying caseloads of children/adolescents with special needs should be identified at a higher level than that of an entry-level social worker, with an increased level of financial compensation to equal the level of special training secured and level of risk taken in providing services to this vulnerable population.

Likewise, child welfare workers carrying cases of children/adolescents with special needs should be afforded the highest level of legal support should litigation be directed towards them during the review of the death of a child while in care. Social workers caring for vulnerable populations often themselves become vulnerable in a highly litigious society and will frequently decline such a sensitive caseload for fear of long-term ramifications to their professional career.

During the past 20 years, the number of children surviving many diseases and illnesses has greatly increased because of the advancement of medical technology and new medications. This is something about which we, as an industrialized society, are proud. However, we also need to understand the implications for the longevity of life for children/adolescents with disabilities that find themselves growing up in the child welfare system, often separate from a consistent, competent parent/caregiver.

The consistency and competency of the child welfare social worker is as critical as the advanced medical technology and new medications for the quality of care for this vulnerable population. The fragility and vulnerability of this population of children/adolescents require the utmost of our sensitivity, advocacy, expertise, and creativity (Weaver, Keller, & Loyek, 2005).

References
American Humane Association (2000). Meeting the needs of young children in foster care. Retrieved May 23, 2004, from http://www.americanhumane.org.

Baladerian, N. J. (1994). Abuse and neglect of children with disabilities. ARCH National Respite Network and Resource Center. Fact sheet Number 36. Retrieved June 24, 2003, from http://www.archrespite.org/archfs36.htm.

Child Welfare League of America, 1997.

Crosse, S. B., Kaye, E., & Ratnofsky, A. C. (1993). A report of the maltreatment of children with disabilities. Washington, DC: National Center on Child Abuse and Neglect, Administration on Children, Youth and Families, Administration for Children and Families, U.S. Department of Health and Human Services.

Delta Society (1996). Standards of practice for animal-assisted activities and animal-assisted therapy. USW: Delta Society. Federal Developmental Disabilities Act of 1984, Pub. L. No. 98-527.

Federal Development Disabilities Act of 1984.

Fine, A. H. (1999). Handbook of Animal-Assisted Therapy: Theoretical Foundations and Guidelines for Practice. New York: Academic Press.

Hughes, R. C., & Rycus, J. S. (1998). Developmental disabilities in child welfare. Washington, DC: CWLA Press.

Prevent Child Abuse America, 2002.

Sullivan, P. M., & Knutson, J. F. (2002). Maltreatment and disabilities: A population-based epidemiological study. Child Abuse & Neglect, 24(10), 1275-1288.

Weaver, C. J. (1999). Supporting the spirituality of children in foster care and their caregivers. In: Silver, Amster, & Haecker, ed. Young Children and Foster Care: A Guide for Professionals. Baltimore, MD; Brookes Publishing Co. pp. 139-157.

Weaver, C. J. (2003). Sinclair's Listening Ears: The Journey of a Feline Social Worker. Lanham, Maryland: The University Press of America.

Weaver, C. J., Keller, D., & Loyek, Ann (in press 2005). Children and adolescences with disabilities in the child welfare system. In: Mallon, G. P., & Hess, P., eds. Child Welfare for the Twenty-First Century: A Handbook of Children, Youth, and Family Services: Practices, Policies, and Programs. New York: Columbia University Press.

Reprinted with permission of Social Work Today

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Lifespan Planning Current Trends

Living at Home / Community Living
Healthy Lifestyle Changes
Internet and Self-Education
Professional Caregivers
Medications

Living at Home / Community Living

Based on current trends, families and individuals will have more options available to them with respect to where they spend the remaining time of their life. As the aging population continues to grow, unlike the past, more and more older adults are moving closer to where their adult children and grandchildren reside. As new communities are developed there will be a greater trend towards comprehensive living arrangements whereby single-family homes will include "in-law" units to accommodate an aging parent. In addition, more states will begin to adopt special certifications for facilities housing persons with dementia-related diseases. The current trend towards increased development of Assisted Living Facilities will continue, however more of these facilities will be more comprehensive in design and include a variety of levels of care that would include independent living, assisted living and skilled nursing all on the same property.


Healthy Lifestyle Changes

Aging baby-boomers are going to continue to set the trend for healthy lifestyles into their "golden age." Many physical and nutritional products will become more noticeable in the coming years. This is evidenced by the growth in yoga and Pilates classes which places an emphasis on creating flexibility and strength in joints and limbs while also developing the needed neurological responses to help keep our mind and body in sync. With the added research and education offered to current aging adults on healthy diets there will be resurgence on the value of healthy food products. Along with this will be the added value of vitamins and supplemental products to help slow the aging process. Furthermore we will continue to see persons living longer and retiring later. In some cases there will be older adults willing to work part-time in order to keep active and involved, as well as meet growing financial needs. Senior volunteer opportunities will also increase in a variety of settings including museums, zoos, hospitals, and even within assisted living facilities. As we experience greater longevity there will be increased demand for recreational and social activities that involve age appropriate social activity. There will be an increase in the number of group vacation plans for persons over the age of 65 who are socially active.


Internet and Self-Education

There is a current trend towards connecting the aging population with information through the Internet. The Internet is highly useful to provide the general consumer information on health concerns, how to find a physician, understanding their medications and side effects, and to help in identifying resources. There are new products coming out utilizing the Internet as a method to monitor the activities of a parent when no one else is in the home providing care or supervision. In addition, technology will be developed that will help us keep in higher contact with our physicians and family.


Professional Caregivers

Another notable trend will be the emphasis on having caregivers who are trained to manage and care for our aging populace. Some facilities require professional caregivers to earn  a specified number of continuing education credits to show that they are qualified to care for persons with dementia-related diseases. With the increase in home care costs, many families are going to want to examine how care providers are trained. Since there will be more public knowledge of possible elder abuse and neglect, many families are going to demand that trained, bonded, and insured care providers are placed in their parents’ home.


Medications

With the use of the Internet, consumers will become more educated on the use of prescribed medications. Consumers will continue to explore the use of alternative medications, such as herbal and nutritional supplements. This will also lead to the growing trend of certain medicines added, or removed, from the available list as drug interactions and side effects become better known. They will also seek out information from their local pharmacist in order to understand side effects and possible alternatives to the drugs they are taking as an alternative to getting the information from their primary care physician. There will also be an increase in the number of geriatric social workers, physicians and psychiatrists available who are prepared to answer and respond to the growing questions related to the changes  associated with the aging process.

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About Living With Illness

Introduction
Is It Acute or Chronic?
It’s a Family Affair
Who Cares for the Caregiver?
Money Matters
What Are My Rights If I Cannot Return to Work?
What Happens If I Lose or Don’t Have Health Insurance?

Introduction

If you or someone in your family develops a short or long term medical condition, whether due to illness or injury, you can count on one thing—your life and that person’s may not be the same. The injured or sick person may not be able to return to work or to their daily routine. The entire family and loved ones are affected by a person’s medical condition.  Having a disabling condition means you are not able to function at your prior level before the onset of illness or injury. You may not be able to work, at least not immediately, and you may be not be able to take part in everyday activities, like grocery shopping, housekeeping or even fun things like fitness, gardening and other pursuits.

Is It Acute Or Chronic?

With acute illness, you can expect to “get over it” in the short term and feel better or back to normal once you’ve been properly diagnosed and treated. The flu or a cold are examples of an acute illness. Appendicitis or pneumonia, which may be serious, can also be treated and resolved, and are therefore considered an acute illness.

A chronic illness, on the other hand, is a condition that lasts for a year (also called long term) or possibly longer, sometimes for the rest of your life. (chronic comes from the Greek word chronos, meaning time). Diabetes, glaucoma, multiple sclerosis, cancer and fibromyalgia are examples of chronic illness. More than half of all Americans have some kind of chronic illness, which accounts for more than 75 percent of all national health care spending.

It’s a Family Affair

One person’s illness can substantially alter a family’s dynamic, creating stress, upheaval, and worry about the future. While the affected person may have difficulty adjusting to a limited lifestyle and may experience byproducts of illness such as depression or anxiety, loved ones are impacted too. They may be placed into the often demanding and difficult role of caregiver.  Children may feel resentful or left out if a sibling’s illness has dominated the family’s attention. Or, they may feel frightened if a parent is sick.

In other words, if someone in your family is chronically or acutely ill, you can count on a ripple effect. Everyone else will be affected, too.

Who Cares for the Caregiver?

One out of five adults in the U.S. falls into the role of caregiver for a loved one who cannot manage alone. If you help someone with daily living activities like bathing and using the toilet, getting in and out of bed or chairs, and preparing meals, you are a caregiver. Likewise, if you help someone with housework, grocery shopping, meals, managing finances or transportation, you too are a caregiver.

Trying to do all these things and also tend to your own family’s needs can overwhelm you and place your own health at risk. Getting the proper support and having a healthy mind, body and spirit are crucial if you are to continue to provide care to a loved one. 

Money Matters

Finances – this is among the more concerning aspect of having a chronic illness, or becoming disabled, particularly if you are the breadwinner. Exactly how will you continue to generate an income and take care of your family if you are too ill to work?

Disability is something most people prefer to avoid thinking about. But the odds that you will become disabled are greater than you might realize.  Some studies have shown that a 20-year-old worker has a 3 in 10 chance of becoming disabled before reaching retirement age.

One place to begin researching the benefits to which you are entitled is to with your employer’s Human Resources department. Another good starting point is to contact the nearest Social Security office, or phone them toll free at 1-800-772-1213. The Social Security Administration has financial programs for individuals who become disabled on a long-term basis, and who meet their financial and medical eligibility guidelines.

What Are My Rights If I Cannot Return to Work?

The rights of employees who become ill and cannot return to work are dependent on a number of factors. The first important step is to know your work policy on illness, injury, and disability, and to talk with the assigned employee who handles personnel matters. Such factors as full-or part-time employment, length of employee work history, size of business or organization, and policies for employee leave all impact your rights about returning to work or not, access to short or long term disability, and compliance with federal laws affecting employment.

For more information on employment rights, you can link to the US Department of Labor at http://www.dol.gov/odep/pubs/fact/rights.htm

For caregivers who may need to take a leave of absence from work to care for a loved one, you can access information on the Family Medical Leave Act at http://www.dol.gov/esa/regs/compliance/whd/1421.htm

What Happens If I Lose Or Don’t Have Health Insurance?

You are certainly not alone. The number of uninsured Americans has risen to more than 41 million, as of 2002. More than 8 million of the uninsured are children. Perhaps even more startling, 8 out of 10 uninsured people are in working families that cannot afford health insurance yet are not eligible for public assistance.

However, there is no reason to panic. Health care “safety net providers” have a legal mandate or a mission to offer medical care to all patients, regardless of their ability to pay. Health care safety net providers include community health centers, emergency departments, public hospitals, charitable clinics and others. Emergency Departments actually have a legal mandate to provide health care. The Emergency Medical Treatment and Labor Act or EMTLA ensures that anyone who comes into an emergency room, regardless of whether they can pay, must be screened and stabilized. The state or local health department is always a good place to begin asking about medical resources in your area.

If you become disabled on a long-term basis, you may qualify for a number of programs which help pay for medical bills and treatment. You may qualify for Medicare, Medicaid, or Workman’s Compensation if you were injured or became ill due to a work variable.

Another important law or right to be aware of is the Health Insurance Portability and Accountability Act of 1996 (HIPAA). The words may seem overwhelming, but anyone who is out of work due to illness or disability needs to be aware of this right. HIPAA protects health insurance coverage for workers and their families when you change or lose your job by giving employees rights in considering pre-existing conditions when trying to obtain another health insurance policy. There are restrictions, but to access information on HIPAA link to http://www.cms.hhs.gov/hipaa

Lastly, if you experience job loss for a period of time or permanently, the continuation of health insurance coverage may be possible with the COBRA Act.  You may be responsible for the cost of continuing health coverage, but this may be an option for you. To learn more about COBRA, please link to http://www.dol.gov/dol/topic/health-plans/cobra.htm

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