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24.01.2010

老後はどこに住みますか?-1

昨年11月、川崎市の依頼で講座の講師を務めてきました。

共通テーマは
誰しもいつかはおひとりさま ~ひとりの老後はこわくない~

全5回のシリーズ講座で4名の講師が担当しました。

私がお話したのは

「すまいとシングルライフ ~”終の棲家”と老後資金計画」 というテーマです。

老後の資金については、メルマガや他のブログでも取り上げましたが
そういえば老後の住まいについて、詳しくは解説していなかったので
何回かに分けて、川崎市で行った講座の内容をまとめてみることにしました。

しかし、正直なところ、人口が減り、高齢者が急激に増加しているであろう
数十年後の住宅事情が、どうなっているのかはわかりません。
それでも、現状の終の棲家の選択肢をご紹介する意義はあろうかと思います。


。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。


Q.老後はどこに住みますか?

この質問に対しての答え、
最初はとりあえずふたつに分かれると思います。

つまり、

・ 現在の住まい(自宅)に住み続ける という選択と
・ 住み替える  という選択です。


当然のことながら、自宅にしろ施設に住み替えるにしろ、
メリットもあればデメリットもあります。

どちらを選んでも、それなりの覚悟が必要でしょうが、
特に自宅で過ごす場合には入念な計画や準備が必要になります。

それでもやはり、多くの人が「住み慣れた自宅で最後まで暮らしたい」
といった希望を持っているようです。

しかし現実を見てみると、自宅で最後の時を迎える人は、ほとんど
いません。

例えば、厚労省の2005年の人口動態調査によれば、約8割(82.4%)の
人が医療施設で最後のときを迎えています。

これは、体調が悪くなれば病院に行かざるを得ないので、当然といえば
当然の数字かもしれません。


それでも、2000年に介護保険が始まったことにより、その保険サービスを
利用してぎりぎりまで自宅で過ごす人が増えているようです。

介護保険では、本人負担1割で介護の必要度に応じ、決まった額まで、
入浴などの訪問介護、訪問看護、福祉用具のレンタルなどのサービスが
利用できます。
そして、自宅で介護を受ける人たちの平均的な費用は月4万2千円程度、
さらに、最も重い要介護度5の場合で7万5千円程度のようです。
(2005年日経新聞調査による)

ただ、介護保険というものは、計画に基づきサービスを給付するもの。
残念ながら計画外の緊急時の対応は不十分にならざるを得ません。
つまり、家族や友人など、緊急事態に助けてくれる人の存在が欠かせない
ということ。ご近所や民生委員、かかりつけの先生、自治体の見守り
サービス等を重ねて利用する必要があるでしょう。

とはいえ、どうしても認知症になった場合、ひとり暮らしは難しいでしょうし、
また、頭はしっかりしていても、最低限ひとりでトイレに行ける、というのが
自宅で過ごす条件といえそうです。

。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。

次回は、住み替える場合の注意点をまとめます。

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