Identity Theft: Tips on Combating a Growing Crime
Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit ...
Read moreHomelessness rates are rising among people aged 65 and over. In addition to the dangers unhoused people face on the street, there are exponential effects on their access to health care.
Barriers to accessible housing mean that more seniors are exposed to deadly medical conditions and are less likely to receive the preventative care they need to treat existing chronic health care issues.
People over age 65 are a part of a vulnerable population. They experience higher rates of chronic diseases, lack access to preventative care, and are more likely to struggle to get nutritious food. Housing insecurity exacerbates these problems, and a snowball effect leads to a greater chance of adverse health outcomes.
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The number of seniors experiencing homelessness is expected to continue to grow over the next decade. A 2019 study published by the National Alliance to End Homelessness focused on senior populations in three major American cities: New York, Boston, and Los Angeles. Studying these populations helped experts predict the increase in homelessness rates among seniors, the causes and effects of housing insecurity among older people, and what subgroups need in order to eliminate homelessness.
According to the research findings, the rates of homelessness among seniors aged 65 and older in each city studied have increased yearly since 2011.
In each of the cities studied, the number of older people who face homelessness or housing insecurity is projected to grow exponentially.
New York City – The number of unhoused adults older than 65 living in New York was 2,600 in 2017. The rate of homelessness among seniors in New York may grow to 6,900 by 2030.
Boston – In 2017, 570 seniors experienced housing insecurity or homelessness. By 2030, that number is expected to increase to 1,560.
Los Angeles County – The number of people experiencing homelessness in Los Angeles is staggering. The city has a reputation for high rates of homelessness. In 2015, the city reported 4,700 unhoused seniors. By 2030, the number of seniors experiencing homelessness is forecasted to reach 13,900.
The Baby Boomer generation has lived through its share of economic instability. Multiple recessions, increasing inflation, and rising housing costs may be among the culprits for the financial crises facing this group. Meanwhile, a lack of a solid social safety net has left seniors vulnerable to housing insecurity as they age.
There is undoubtedly a connection between homelessness and health outcomes. Cost and access to health care are both affected by housing status. Stable and affordable housing increases the chances of positive physical and mental health outcomes.
Homelessness is a public health issue. People experiencing homelessness will likely experience a higher rate of health problems, including:
The increased rates of health problems among unhoused people are usually the result of several factors, including limited access to social services, inadequate food, no protection from the elements, and other barriers to health care.
Policymakers share the responsibility to end homelessness and mitigate its effects. The country’s leaders have legal and policy interventions to consider in addressing homelessness.
Supportive housing may be one possibility that can help lower the cost of health care while getting and keeping people in affordable homes. Supportive care includes providing unhoused people with affordable housing options plus coordinated social services. These social services may be designed to help individuals and families gain access to:
Easing the burden that older adults face when deciding between maintaining housing and paying for health expenses will decrease the homelessness rate among this demographic. The removal of stress caused by housing instability allows seniors to focus on treating their health conditions, thereby improving survival rates and quality of life.
Increased funding to state Medicaid/Medicare programs and managed care organizations may be part of the solution. These programs pay for support services like the ones listed above, as well as tenants’ rights and responsibility training, eviction prevention, and housing location services.
Closing the housing affordability gap is essential to improving health outcomes for seniors. If you are starting the search for affordable housing options for seniors, consider connecting with an elder law attorney near you.
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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.
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.
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.
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.
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.
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 MOREUnderstand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.
READ MORELearn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.
READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
READ MOREFind out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.
READ MOREUnderstand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.
READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
READ MOREFind out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.
READ MOREGet a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.
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.
READ MOREExplore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.
READ MOREGet a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.
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.
READ MOREExplore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.
READ MORE