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THE DIABETES CAREGIVER GUIDE

The more you learn about diabetes, the easier your job as a caregiver will be.

BY:MARGARET FARLEY STEELE

Nearly seven percent of Americans have diabetes, a serious and increasingly common disease that often causes cardiovascular, vision and kidney disease. But while diabetes isn't curable, it is controllable. And good healthcare can prevent life-threatening complications.

Of the more than 14 million Americans diagnosed with diabetes, a small percentage have type 1 diabetes, which is caused by the body's failure to produce insulin, a hormone needed to regulate glucose in the body. Type 1 diabetes is usually diagnosed in childhood, and all those with type 1 diabetes require insulin injection (individual shots or via pump) to live.

Much more common is type 2 diabetes, which typically occurs in overweight, sedentary adults who have a family history of the disease. More than 18 percent of Americans over the age of 60 have type 2 diabetes, notes the American Diabetes Association. Those with type 2 diabetes have insulin resistance or insulin deficiency. Some take insulin; others manage their condition through diet or oral medications.

As the caregiver for someone with diabetes, find out everything you can about diabetes and how it affects the person in your care. "Diabetes is very individual," says Richard R. Rubin, PhD, CDE, president of healthcare and education, American Diabetes Association. "Some people take pills, some people take insulin injections, some take both," he says.

So what's your best first source of information? The person you care for. Then the person's healthcare provider, Dr. Rubin suggests. Also consider taking a class on diabetes at a local hospital.

Finally, accept your limits. "No one manages diabetes perfectly," says Dr. Rubin.

To help you manage your loved one's diabetes, check out these parts of Caring Today's special section, The Diabetes Caregiver:

Comments

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I am a caregiver for my husband of 31 yrs. He has diabetes for 50 yrs. I have a blog at http://thediabeticcaregiver.blogspot.com/ and would like to invite anyone to read it and comment that would like to share. Thanks

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I`m so glad you finally posted something about diabetes cause I searched all over internet for something to help us with our disease. I searched to see what is legal bud and I found out that it might have some side effects that can cure or at least improve diabetes simtoms.

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His condition has

His condition has deteriorated rapidly in these six years to the point where he can't move anything except his neck a little bit and blink his eyes. He has no short term memory and speaks in one or two word sentences. He spends his day watching tv and talking to our cats. I am several years older than he is, and when we married I used to joke that I would soon retire and he could take care of me. Boy, how off base that was. I retired early in 2000 (I just now turned 69) because he could no longer get himself up when he fell. My faith keeps me going, because I believe that God gave me this job to do, so I try to do it to the best of my ability.
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What precautions can we take for the onset of Diabetes? How to tackle the early stages of Diabetes?

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The diabetes is the slow killer for the people. It gives sudden attack as my friends dad is suffering with it. The credit score is very less for him now. I did like to help him in any ways.
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it is definitely possible to get underwritten life insurance with diabetes. It sounds like your condition is well under control as any A1C level under 6.0 is a very good thing from an insurability standpoint. However, the premiums can vary greatly depending on the company and what their underwriting guidelines state. Your best case scenario (and highly likely) would be a standard risk classification, which is normal life expectancy. Some carriers will assign an additional rating, called a table rating, to the standard rate based on the condition itself and how well you are responding to treatment. Table ratings are letters (A-J) or numbers (1-10 usually). Each table is an approximate 25% increase in premiums over the standard risk class rate. As an example, a Table 2 rating would be the standard rate + 50%, and a Table 4 rating would be double the standard rate. Whenever we have someone who is diabetic, we ask a few basic medical questions and shop their case with 10-15 different companies (no personal information involved, just a general profile) to find out which company will make the best offer. That is a much better way to approach the situation than putting in applications with different carriers and hoping for the best.

Diabetic conditions under control will range from standard to Table 4. If you want to state your age, state of residence, the amount of coverage you are looking for, and how many years you want it guaranteed, I can post an approximate premium quote here for you.

Please note that if you have life insurance coverage through your employer and ever leave the company, you will probably be offered a conversion option to keep the policy, but the premiums will likely increase every 5 years and be very, very expensive as you hit ages 60, 65, 70, 75, etc. It would be cheaper to lock in the rates at a younger age with a standard risk class. I always advise clients to purchase their own life insurance policy if possible with premiums and death benefits fully guaranteed unless their employer is offering coverage as a free benefit or at a very low cost to the employee, but that is usually not the case since group life premiums increase every 5 years as well.

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