The fastest-growing segment of our population is that of seniors reaching retirement age. It can be both a blessing and a curse at the same time. If you worked hard and planned all your life your hard work may be rewarded with great retirement years. If you worked hard your whole life and planned your whole life your life may be rewarded with poor retirement years.
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In my case, for example, I lost a pile of money in the dot com mess, got stuck with real estate -the fool safe investment-that was going down in value faster than I could keep up with, and then more recently my once strong 401(k) dwindled down over the years got socked with the recession.
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Then throw in various and sundry big-time operations and medical procedures and you have a not very pretty picture.
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I use that only as an example. I know that there are hundreds, if not thousands, if not hundreds of thousands of people in the same boat who are ill equipped to face retirement financially and the prospect of finding a job is a pipe dream.
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The stress of dealing with family members who are faced with finding a nursing home or a long-term care facility is daunting enough.
The problems associated with those facilities are legendary.
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Just three weeks ago the Inspector General of the Health and Human Services division released a study that showed 90 percent of all long-term care facilities have at least one convicted felon. That?s reassuring isn?t it?
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The shortage of beds in these facilities and the cost has led to another form of elder care senior housing. It is the most rapidly growing segment of this industry.
These facilities are sometimes called assisted living facilities, personal-care homes, adult care homes, shelter care homes and others. They are basically private homes that can house seniors at a reduced rate compared to nursing homes
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Texas A&M recently did a study that showed that according to a best estimate there are 50,000 of these nationwide offering 900,000 to 1,000,000 beds.
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The study revealed, among other things, that the federal government does not regulate these facilities. It is left up to the state. The major barrier they discovered in all states that they investigated was a lack of resources to carry out their responsibilities-elder abuse was under reported.
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They concluded that unlicensed homes remained a serious, largely unaddressed problem. Let?s face it there is a low priority given to elder abuse and neglect without the financial resources to investigate detect and resolve elder abuse issues.
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In a recent article in the Seattle Times in the real estate section there was a listing for a home. The address of the home was a secret. Part of the selling price was the three seniors that lived inside. They provided for a fabulous income stream to a new owner. There?s no liability insurance required. No minimum amount of employees required and very few state regulations.
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This leads to all kinds of abusive practices as you can imagine.
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The best way to protect your loved ones when they are in a situation like this is to get a home hidden camera with a built in DVR. They allow you to see what is going on when you can?t be there.
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