The overall face of the American population has been changing over the last several years-in short, it is getting wrinkled! The aging Baby Boomer population-some 75 million strong-and ever-increasing costs in traditional hospitals have resulted in a growing demand for home-based healthcare delivery systems across the nation, which in turn has increased the need for home health care insurance.
People are living longer
For one thing, the average life expectancy has increased. Men who are 65 years old today are expected to live to 83 years old, while a woman who turns 65 years old today can expect to live even longer, to age 85 on average. But some seniors won’t stop there; 25 percent of today’s 65 year olds are projected to live past the age of 90, and one out of 10 will go on to live beyond the ripe old age of 95. And centenarians are not unusual, as Willard Scott (the guy on TV who always wished them happy 100th birthday) will attest to.
Providers of comfort and care
For this growing group of seniors, providers travel to their homes to offer much-needed medical assistance to those who are ill, convalescent, or disabled yet are able to maintain living in their homes rather than in an inpatient facility. The need is so great that in-home care is becoming one of the fastest-growing industries in the nation today. In fact, according to the Bureau of Labor Statistics, home-based health services employment is expected to grow 55 percent in the ten-year period from 2006-2016, which will make these jobs the fastest-growing occupation of the next ten years.
Bringing dignity to all who are cared for
These dedicated employees work hard to bring quality of life to their patients. Nevertheless, they face a myriad of risks in the course of delivering their services, as well as potential liability for their actions.