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Q: What services are included in non-medical senior care?

Non-medical senior care focuses on comfort and freedom without direct medical treatment or clinical care. It involves help with daily duties, including getting dressed, taking a bath, cooking meals, doing light housework, running errands, getting around, having someone to talk to, and remembering to take medicine.

Q: Are non-medical care costs tax-deductible?

If they come under the category of long-term care, the IRS says that costs for non-medical care may be tax-deductible. In many cases, a doctor must certify that the patient needs daily life assistance for their health.

Q: Does Medicare or Medicaid cover non-medical care?

Medicaid only covers certain things, dependent on eligibility and state, while Medicare doesn't cover non-medical care. Long-term care insurance or cash must pay for most routine help services, such as cleaning, running errands, and keeping someone company.

Q: How much should I budget for non-medical care in retirement?

When you retire, you should save at least $20,000 to $40,000 a year for part-time non-medical care. The cost of full-time or live-in help will depend significantly on where you live, how much help you need, and how much personal care you need.

Q: What's the difference between medical and non-medical caregivers?

Non-medical caregivers help people feel safe, comfortable, and independent without undergoing medical procedures. Medical caregivers, on the other hand, provide clinical support like managing treatments, checking vital signs, or delivering medication. Non-medical caretakers also aid with everyday things like getting around, bathing, and eating.