2021 the Year of Transformation

I suggest we name 2021 The Year of Transformation. What do you think? I mean 2020 has been the year that has exposed all of the shortcomings of humanity. We shouldn’t miss the opportunity to right the wrongs exposed in this tumultuous year. My contribution to the 2021 Year of Transformation is to list the changes I am recommending in caregiving.

Social Security

Create a mechanism to continue caregiver’s Social Security credits during their care journey. This will reduce the future burden of Medicaid spending and give those who sacrificed a shot at a decent future pension benefit.

Family and Medical Leave

Modify and expand the FMLA program to include all employers regardless of company size. Enable employees to use FMLA episodically as the demands of caregiving are not the same as having a baby. Working caregivers need the flexibility to attend a doctor’s appointment with their loved one or react to emergency situations without fear of retribution or dismissal.

Mental Health Services

Loved ones with dementia disorders require 24/7 care. Many of their caregivers are worn out. The pandemic adds an additional layer of stress as adult daycare, respite service, or even residential care are curtailed right now. Behavioral and mental health services report increasing post-traumatic stress disorder like conditions in today’s caregivers. Open access to mental health care is past due.

Financing Aging in Place

Eighty percent of seniors intend to age in place. Great idea but many of their homes may be too large or need repairs that are beyond their financial means. The financial and construction sectors have an opportunity here. Construction companies certified in disability and aging home modification are needed. Banks can finance these modifications with home equity lines to this desire to remain in the community a reality. In fact, there’s an opportunity to build out a home-sharing model that will create a new income stream.

Help for the Average American

Roughly, the bottom quartile of the economy qualifies for needs-based services provided under the Older Americans Act and through the federal Community Living Administration. Conversely, the top earners retire with multiple streams of income and long-term care insurance. The path is not so clear for the middle 60% of Americans. Middle Americans are house poor. They own a home but do not have the income to maintain it or pay for private care services. This group relies on family caregivers the most. In fact, many family caregivers are financially supplementing the fixed incomes to keep their loved ones in place. We need affordable long-term care insurance for middle America that includes payment for family caregivers who serve them.

Broadband for All

The internet is not a luxury. It is a utility just as drinking water, electricity, and gas are today. There is no excuse for not providing each American home with the ability to use the internet today. Caregivers rely on the internet for shopping, medical consults, fighting insurance companies, setting appointments, and many other everyday functions. In fact, caregiver support groups are flourishing on the web. This lifeline to express concerns and learn from each other is essential for caring. There are many teen and young adult caregivers who feel so isolated by their responsibilities. The internet gives them a vital window out into the world.

Health Insurance

One-quarter of all caregivers of those with dementia will die before their loved one. Let that sink in. Caregiving kills. Far too many caregivers neglect their own health during this journey. Whether consciously or subconsciously, they become invisible to others and themselves. The country needs to mandate health insurance coverage when signing them up for Social Security credits. Healthcare professionals need to initiate conversations on the caregiver’s health status when a loved one is receiving care. Let’s heal two birds with one stone rather than killing them.

CreditForCaring.com

Social Determinants of Health

SDoH is all the rage today. The healthcare industry’s epiphany that addressing the needs for food, shelter, transportation, environment, and more have a direct impact on health outcomes. Go figure. Caregivers balance these determinants on a daily basis but lack the knowledge on how to access and pay is missing. Health plans and providers should be required to clearly define what daily needs can be covered and how.

Caregiver As a Care Team Member

Too often family caregivers feel overlooked by the healthcare professionals. Whether it is during an acute care stay or in an office visit. Feeling invisible is destructive. The CARES Act, passed in many States, set out to remedy this. However, the Act lacks the teeth to compel hospitals to include the caregiver as an active team member. Remember, family caregivers can make or break the best-laid care plan. Increase the chances of succeeding by including the caregiver’s input in constructing the plan.

Credit For Caring

The USA passed a child tax credit in 1997. Let that sink in. For the last few decades, we have rightly compensated Americans who have and raise our future workforce. Yet year after year, the caregiver tax credit cannot make it to the Senate floor for a vote. The caregiver tax credit is vital for those who volunteer to care for our previous workforce, soldiers, and leaders. This essential tax credit is the relief that middle Americans deserve as they care for their treasured loved ones. Pass the Act now.

There you go. This is my list for President-Elect Biden to include in the 2021 Year of Transformation. Many items on my list overlap with other segments of society. Like, broadband for education and financing of home modifications for creating new housing options.

I leave you with my best wishes for a wonderful (socially distanced) holiday season. I will see you on the other side in 2021.

Respectfully submitted,

Monica

Monica Stynchula, MSW, MPH