The hidden costs of long-term disability
When you are facing providing the long-term disability care for a loved one in Rhode Island, one of the most common things you may think about is what the cost will be. Monetarily, the charges can run up into several thousands of dollars every year. Often, home nurse visits and doctor visits will be frequent and supplemental medication and support will be necessary for the survival of your loved one. While these are expensive, we at Karns & Kerrison know that you may have other costs that are not counted in dollars.
Lifehappens.org reports that many providers of long-term care find that the biggest costs are actually those related to their career. Many report that they are required to alter their work schedule, apply for a job that requires fewer hours and less stress or take extended leaves of absence. These can not only add up to deductions in pay but also make it impossible for you to get promotions and other benefits. In some cases, you may even be required to leave your position entirely in order to care for your loved one. If this is the case, you could be facing a loss of hundreds of thousands of dollars per year in salary and benefits.
The costs in mental and physical health can also be great. You may be more susceptible to heart disease, fatigue and hypertension after caring for an invalid loved one. Depression is also reported by 40 to 70 percent of those providing long-term care. Anxiety and sleep problems are other common complaints that you may face.
Another aspect that is not always talked about is the change in family relationships. Children are often required to become more independent as adults use their free time to care for the loved one. Visit our web page to learn more about the difficulties that you can face as you provide long-term care and what you can do about them.