Tuesday, September 20, 2011

Family First: Contents Insurance for Care-Homes | Nursing Home ...

Article by Josie Anderson

Moving a parent or grandparent into a care home is never an easy decision to make but if you need to provide them with 24-hour care it?s often the only option. You should therefore try to see the move into a nursing home as being in their best interests.

It?s easy to say that it?s for the best but after living their entire lives in one place it can be incredibly traumatising for the person in question. Perhaps their previous home was sold to cover the costs of the care they need and they may therefore feel that their new reliance on friends and family makes them vulnerable. Whatever the situation careful planning will help them feel right at home.

In an unfamiliar environment, familiar belongings, memories and keepsakes will be priceless. That is why many homes suggest that individuals bring their own possessions along to make it feel more like home. Some will even allow the new resident to move in their own furniture as well.

Nursing homes should always be places you can trust. Handing over responsibility for the care of a loved one is never something you?d take lightly and you should be able to trust that your parent?s or grandparent?s belongings are safe. However, it?s always better to be safe than sorry.

Obviously the building itself should be covered by the home?s insurance. However contents insurance for an individual?s possessions is not usually included.

It may seem like an unnecessary chore to take out insurance for your loved ones possessions, especially if an older person doesn?t wish to be dependant on family. But there are simple ways of doing it. In fact you may be surprised to learn that your own home insurance policy may already include contents insurance for a dependent in a care home.

It?s always a good idea to discuss the policy with your family member and also the nursing home. This way everyone knows what is and isn?t covered and everything is out in the open.

It?s a good idea to calculate the value of the family member?s contents and re-evaluate it on a regular basis, and to take photos of their things when they first move in, keeping the photos in a safe place. In the upsetting event of something happening to their belonging, contact your insurance firm as quickly as possible.

Special items like jewellery, antiques and artwork may need to be covered under specialist home insurance. If possible they should also be kept in a safe place. Some care homes have deposit boxes for special items, but you may want to keep really valuable items safe at your own house, making sure you?ve added anything new to your own home contents insurance.

Amongst the emotional upheaval of a family member moving into a nursing home, practical details like insurance may be the last thing on your mind. But since it?s their welfare you?ll be focusing on you should always make sure this small detail doesn?t slip your mind.

Greenbee.com offers a range of financial, travel and leisure services selected by the John Lewis Partnership. These include home insurance in the UK, Travel, Wedding and Car Insurance products. Customers can visit http://www.greenbee.com for further information.

Source: http://www.nursinghomecenterforcare.com/2011/09/17/family-first-contents-insurance-for-care-homes/

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