Discussing Long-Term Care With Older Adults in Your Life
When your loved one can no longer live independently, you may consider options for long-term care. It?s time to talk to your...
Read moreHoarding disorder disproportionately affects older adults, according to the United States Senate Special Committee on Aging. While about 2 percent of the general population struggles with accumulating too many objects, hoarding impacts over 6 percent of people aged 65 and older.
The proportion of older Americans is expected to increase from 16 percent in 2019 to 25 percent in 2060. With an aging population, hoarding behavior may become more prevalent.
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A 2024 Aging Committee report sheds light on hoarding’s negative effects on elders, as older adults who hoard can experience a worsened quality of life.
An excessive amassing of possessions can indicate hoarding behavior and hoarding disorder (HD), a mental health condition. Hoarding disorder leads to a level of clutter that often makes it difficult for those affected to use and maintain their residences. HD is still a fairly new standalone diagnosis. It first appeared in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5), the go-to guide that health care professionals use to diagnose mental health disorders, only about a decade ago.
Compulsively hoarding items is distinct from collecting items. Collectors focus on a category of item, which is often on proud display. Those with HD tend to have a variety of possessions that may cause embarrassment. They can struggle to keep their homes clean and accessible.
Mental and physical health problems often underlie hoarding behavior. Approximately two-thirds of people with HD have at least one other chronic and severe medical condition as well as another psychiatric condition. Hoarding behavior can be part of other mental health disorders, such as obsessive-compulsive disorder (OCD), schizophrenia, anxiety, and depression.
If not a symptom of another disorder, it can constitute its own diagnosis as HD. Though hoarding has a genetic component, traumatic events, like experiencing violence or grieving the death of a loved one, can trigger or exacerbate the behavior.
Many people with hoarding disorder struggle to see its negative effects on their lives. For these individuals, decluttering can be an extremely distressing experience, and they may become distrustful of people who try to help.
Older community members who experience hoarding can face significant challenges. In addition to worsening a person’s quality of life, hoarding can lead to isolation, loneliness, and housing problems.
When objects crowd a home, living conditions can become unusable and unsafe. Finding things in a cluttered environment is often difficult. This can create problems with locating important documents, such as the items necessary to apply for public benefits and assistance programs.
As items pile up, older residents can encounter problems using their homes. For instance, according to one study published in the journal Health & Social Work and cited in the Aging Committee report,
Aging exacerbates the dangers of hoarding. Changes with vision, cognitive abilities, and energy levels, as well as chronic health problems, can make hoarding more hazardous. Cluttered homes also put seniors at an increased risk for falls. They may be unable to use a walker or wheelchair inside their residences.
Senior renters evicted for hoarding behaviors can experience homelessness or unwanted transfers to long-term care facilities.
Further heightening the risks of adverse effects, hoarding can also make seniors more isolated. Older adults experiencing hoarding report more loneliness. Social stigma can make individuals reluctant to invite people into their homes and accept help.
Today, treatment plan options for hoarding disorder include cognitive behavioral therapy (CBT), exposure therapy, support groups, workshops, and, in concert with therapy programs, medication. Research on other potential interventions, including virtual reality therapy, is ongoing. Unfortunately, people with HD and their loved ones may have trouble finding health care providers who specialize in this particular disorder, given its relatively recent addition to the DSM-5.
When trying to discuss hoarding with someone who has HD, approach the conversation with empathy. Start by expressing your concern for their well-being rather than focusing on the clutter itself. Use “I” statements, such as “I am worried about you staying safe,” to avoid sounding accusatory.
Encourage open dialogue by asking how they feel about their living space. Do your best to listen actively, validate their feelings, and show compassion. Offer support and suggest seeking professional help together, emphasizing that recovery is possible. Remember, patience is key, as change takes time and understanding.
You also may want to make a concerted effort to educate yourself on HD. Having HD is not a choice, so avoid placing any blame on an individual with this disorder. Keep in mind that cleaning up any clutter for them can cause them great distress. Expressing frustration or anger with a loved one who has HD can backfire as well.
The following resources can provide support for older people who hoard and their family members. By accessing resources, individuals and their loved ones can combat stigma and take steps to improve quality of life.
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Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
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READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
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READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
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READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
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