According to the Alzheimer’s Association (2000), 5.75 million
Americans are in the “Sandwich Generation” of caring for both
children and parents, and women represent the majority of caregivers
for family members.
As a certified long-term care specialist, daughter, mother and
Sandwich Generation member, I’ve experienced first-hand the impact
an event requiring long-term care can have on young families and
caregivers. I officially became a member of the Sandwich Generation
in 1995 when my daughter was two years-old and my father suffered a
debilitating stroke. Together with my family, we encountered some of
the most stressful moments, but discovered some of our family’s
biggest blessings.
Before my father’s stroke, my parents living a half-a-mile away and
a very flexible employer were part of my “perfect” situation. After
my father had his stroke, my perfect situation quickly changed.
Immediately, my mother took on responsibility for his care,
practically living at the hospital and rehab center with him for
five months, with no time for herself or anyone else. It was about a
year after my father’s death in 2005 that my sisters, brother and I
truly realized the physical and emotional toll this event had on my
mother and our entire family.
Today I am fortunate that I can bring a few of the lessons I learned
during that time to the table when I try to help families understand
the importance of protecting their futures. I’ve found the majority
of people are challenged to consider how an event requiring
long-term care could impact their lives, but all it takes is a real
life story to help them realize the potential repercussions to
themselves and their families. I recommend a few things you can do
to prepare for and live your lives while taking on a caregiver role.
Plan Ahead
Preparing well in advance to meet your own needs and those of your
loved ones should undoubtedly be your first step. No matter how
difficult it can be, you need to commit yourselves to having a
conversation with your parents. I believe it’s the best gift you can
give them. Many well-meaning parents and children avoid the
conversation because they don’t want to consider the impact. The
truth is a conversation can eliminate feelings of guilt, burden and
the potential of conflict. Look for opportunities to have a
conversation by asking about a friend, relative or acquaintance who
is going through a long-term care situation and ask “what if?”
questions. Remember to listen carefully and ask questions if the
responses are not clear. Don’t try to tackle the issue in one
conversation. Instead make a plan to think about the options and set
a goal for continuing to share information. If your parents haven’t
considered it, find out if they would be interested in purchasing
long-term care insurance.
Next, have a conversation with your spouse. Developing a plan is
best done when you’re healthy and you can objectively review your
options. Also, many people don’t realize that it’s easier to be
approved for long-term care insurance and pay for it when you’re
earning an income and healthy.
Know Your Resources
Well-intentioned families are taking the brunt of the care demands
upon themselves – or at least delegating it to one member. Take a
look around your workplace and you’ll see many colleagues are caring
for elderly relatives, either because they lack the financial
resources or are not aware of the many alternative care-giving
options. Although the Family Medical Leave Act guarantees most U.S.
workers up to 12 weeks time off a year, this time is unpaid. To help
employees stay productive and balance the needs of family with work,
many are offering referral services to inform workers about where
they can find caregivers, legal advice and extended leaves of
absence.
If you aren’t up to speed on your employee benefits package,
schedule a quick update session to see if new options are being
considered. Many employers are now offering long-term care insurance
to employees and their immediate family members. In some cases, this
arrangement allows people to obtain a discount on the premium. Ask
some questions. Who knows, maybe you’ll find a new way to save
money and make the most of the programs currently available to you.
Sometimes The Small Things Make A Big Difference
Looking back, I am still amazed at the countless number of cards,
visitors and kind gestures of friendship bestowed upon my family by
our neighbors, friends and members of our church. You hear all the
time that it’s better to make a real offer to do something specific
rather than say “If there’s anything I can do to help just call.”
Make small requests of those who offer help to ease your burden.
What may seem like a small effort to one person could be a
tremendous relief to another. I remember my dad’s longtime barber
just showing up at the hospital during the first three weeks and
cutting my dad’s hair and shaving his neck, which he continued to do
on a regular basis thereafter. He just took it upon himself to make
sure it got done, and his gesture made my dad feel good.
Stay Healthy
If you’re not taking care of yourself, how can you take care of
others? For me this is a lifelong goal and something I’m always
trying to improve. The easiest excuse for grabbing fast food,
skipping the usual morning walk or letting yourself get rundown can
be in the guise of saving time, but it could also be at the expense
of your health. Start small and set goals. Stash some healthy snacks
in the refrigerator at work and home. Try to limit your fast food
“dashboard dining.” And take time for you, to read, to relax, to
pamper yourself. Far from being selfish, these times are crucial for
your wellbeing.
Learn to Set Limits
Some of the same skills and strategies you use at work such as
planning, organizing, communicating, setting limits and delegating
can be used effectively on the home-front for achieving a
satisfying, fulfilling and well-balanced life both personally and
professionally.
Although those of us sandwiched between care for our children and
care for our parents cannot change this fact, we can do a better job
of preparing for the job of caring for our parents before the need
arises.
Carolyn K. Schultz is Certified in
Long Term Care (CLTC) and has over 20 years of experience in the
insurance industry. As a long-term care insurance specialist with
MassMutual’s Oklahoma agency, Carolyn has been helping individuals
and families understand the complex world of long-term care planning
since 1997. You can reach Carolyn via e-mail at ckschultz@finsvcs.com
or by calling 918-524-6342
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