Saturday, February 04, 2012

Working with Low Income Seniors

I was recently asked by a large medicare provider how my work on the developmental tasks of seniors could be used by their patient advocates with a predominately low income population. I thought is was an excellent question, and here is what I said.

In my experience, financial hardship demands an inordinate amount of time and energy just to understand and manage control issues. The battle to make sure you have food, shelter, and medications is a fulltime job. Understandably, your senior services professionals will spend the majority of their time helping your members think about and chose the best “control plan” based on the immediate circumstances. Poverty is unto itself a twelve-step program, one stressful day at a time.

Aging and diminished health create overwhelming complexity for seniors. This makes them feel confused, isolated, and out of control. Your senior services professionals can help simplify this complexity and become an essential “health management” partner for your members.

One aspect of the “control plan” they can offer is to help your members understand how they can control their health. They can choose to prevent new medical problems, slow down the progression of existing medical problems, and prevent complications. These are profound choices that give your members a way to control the quality of their lives as well as reduce their financial burden.

Intertwined in the control-focused conversations with your members, your senior services professionals will find an abundance of legacy moments. Despite the demands of just getting by, every senior is an active participant in an “involuntary life review.” This means they are sorting out their life story. It is a powerful current that is seeking an occasion to be expressed. It not a matter of high-functioning or low-functioning. We all want to feel our life mattered; we all want to tell our story.

Your clients will be telling your senior services professionals stories about their health issues. These stories will offer up ready-made on ramps for legacy questions about their family, their lives, and their dreams. While you won’t be able to solve their low-income problems, you can assist them in thinking about and telling their story. And in the telling you will find they have lived the heroic pilgrimage we all make through life. More important, you will offer them an empathetic ear and a rare occasion to “be known and recognized.”


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Communicate

No Money: No Comment

I was recently asked what to do about aging parents who had little or no savings but refused to discuss any aspect of their “money issue.” It reminded me that our role as adult children is not necessarily about problem solving; it is about compassionate containment. So many of the issues we feel compelled to “fix” have no clear answers. The best we can do is sort out what to accept from what we can actually change. Here was the advice I offered:

The issue of money, like so many other issues in the last phase of life, is about control. The best way to approach it is to reframe money as means of maintaining control. Lack of money takes away control. This link http://www.dsolie.com/articles/reframing.html will take you to an article I authored on “communicating touch choices” that offers a practical strategy for how to do this.

You may also want to consider three strategies that will help you “hedge” your parent’s financial risk:

1. Buy a long term care policy with a two years home care/two years nursing home benefit. This assumes they will cooperative with the process (i.e. signing the applications and answering questions).

2. Start funding a dedicated “side fund” for expenses that a long term care policy will not cover.

3. If you parents own their home, become familiar with how “reverse mortgages work and when they make sense.

Lastly, you need to began discussions with local area agencies on aging to determine what, if any, community resources can assist your parents if they run out of money.

This is a tough end-game, especially if you parents don’t want to talk about. The article will help you frame your conversations. Be patient but persistent in your discussions about control and your desire to help them maintain it.