However, these additional and unfamiliar tasks for family caregivers often entail a break into one's own everyday structure: occupational and family obligations, one's own health problems and geographical distances can cause the caring tasks to lead one to their breaking point.
Are you planning to take care of a relative at home or are you already doing so?
Check the home environment of the person of which you are taking care for tripping hazards
Plan your own recovery phases
Learn back-friendly care tasks
Apply for financial support
Clarify your own legal certainty
The need for care is associated with high costs, not only with regard to a stay in a nursing home.
Despite the reimbursement of, or cost sharing for, medically necessary measures through basic and supplementary insurance, many costs remain uncovered. This means that, where necessary, one must clarify whether the costs will be covered by other payers, or whether the cost assumption lies solely with the person concerned. Costs which are not covered may be incurred through the franchise and deductible for outpatient services, Spitex contributions, costs for special therapies, spa stays, certain medical aids, meal service or third-party care.
The financial burden can quickly lead to a bottleneck, therefore becoming a stress factor for those affected as well as for family caregivers.
Do not let the financial burden have a negative impact on your health. Check the possibilities of financial support and apply for them if necessary.
In our guide «Family Caregivers», you will find more information about the following financial support possibilities:
Helplessness allowance at a certain degree of helplessness
Supplementary benefits (EL) to the AHV/AVS/OASI-IV/AI pension
Short-term financial support from patient organisations
Supplement for caring tasks (depending on the canton and municipality)
It is worth undertaking certain inquiries so that you can avoid financial losses and gaps in the pension scheme due to assuming the role of caregiver.
Which possibilities are there?
Negotiate an employment contract for care with the person in need of care.
Find out whether the involved Spitex organisation can hire you for the basic care of your relative.
Check with the AHV/AVS/OASI to see if you are entitled to care credits, and ask for these accordingly.
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