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Most of us prefer not to think about our parents aging, becoming ill, or needing special care. Yet today, 40% of Canadians over age 30 provide care for one or more senior members of their family, often for as long as 18 years.

Though eldercare is now a reality for the first wave of Canada's 10 million baby boomers, too many are unprepared to assume the role of caregiver for aging parents. Often it takes a crisis to bring the issue to the table, resulting in decisions made too quickly with too little information, under emotional strain. Having a conversation before the need for care arises can help you and your parents decide the best strategy - physically, emotionally and financially - for the future.

Here are some tips to help you think ahead objectively and prepare for what will happen as the years pass:

Realize that aging is not a disease

It's much better to accept that your parents will grow old and prepare for it well in advance.

To believe that your parents will always be in good health can lead to illness and depression for potential caregivers when reality strikes.

Understand how they are feeling

Simple tasks such as using the phone, shopping, preparing meals, or doing laundry become more difficult with age. Even if they require help in one of more of these areas, seniors can remain independent, something they will equate with control and dignity.

Encourage open communication

If a parent already suffers from a disease or chronic condition, learn all you can about it and what to expect as it progresses.

If your parent resists talking or insists "everything will be all right," try to understand their reasons. Consult their doctor or other trusted professional.

Address financial issues

Start gathering information about your parent's legal and financial security. Know where their wills are kept. Assign powers of attorney where necessary.

Talk about how you plan to divide responsibility for their physical and financial well being.

Consider the best option for eldercare

Solicit advice from your friends or colleagues who are facing the challenges of eldercare and find out which solutions worked best for them.

Ask yourself if you're really prepared to be your parent's caregiver. Perhaps someone else in your family or an outsider is better suited for the role. Seeking out the services of a home care professional can ease the pressure on all involved.

Take steps now to do what's best for everyone involved. Your goal should be to one day look back with pride on the care and attention provided to your aging parents.

Talk to your loved ones about their options:

Request a free long term care insurance planning guide.

Our guide can answer questions about this important topic and help your loved ones understand how affordable it is to protect their finances in the event that home care is the right option for them. We encourage you to read the material as well to understand how long term care insurance can help both you and your aging parents.

You and your aging parents – a look at long term care