Senior living options can be overwhelming and confusing but no worries, we will explore all the necessary steps to help you navigate through the process. You have many options such as independent, assisted living as well as dementia (memory) care, skilled nursing even rehabilitation. Let us explore your options and help you choose the right option for you or your loved ones.
LEVELS OF CARE
There are many options to senior living, and it is not the old-fashioned nursing homes of the past. But today’s modern senior living is a far cry from one-size-fits-all.
Independent living is simply any housing arrangement designed exclusively for older adults, generally those aged 55 and over. In general, the housing is friendlier to aging adults, often being more compact, with easier navigation and no maintenance or yard work to worry about.
While residents live independently, most communities offer amenities, activities, and services. Often, recreational centers or clubhouses are available on site to give you the opportunity to connect with others and participate in community activities, such as arts and crafts, holiday gatherings, continuing education classes, or movie nights. Other services offered may include onsite spas, beauty and barber salons, daily meals, and basic housekeeping and laundry services.
Since independent living facilities are aimed at older adults who need little or no assistance with activities of daily living, most do not offer medical care or nursing staff. You can, however, hire in-home help separately as required.
Assisted living is a residential option for seniors who want or need help with some of the daily activities, such as cooking meals, housekeeping, and traveling to appointments and many others.
Assisted living facilities offer the safety and security of 24-hour support and access to care. Day or night, help is only a phone call away. However, privacy and independence are encouraged. A good facility will develop a personalized plan that meets your needs and accommodates your disabilities, while giving you the freedom to do what you can for yourself.
If you need more personal care services than are feasible at home or in an independent living retirement community while you don’t need the round-the-clock medical care and supervision of a nursing home then assisted living is your best option.
DEMENTIA (MEMORY) CARE
Memory care is designed to provide a safe, structured environment with set routines to lower stress for people with Alzheimer's or dementia. Employees provide meals and help residents with personal care tasks, just like the staff at an assisted living facility. But they are also specially trained to deal with the unique issues that often arise as a result of dementia or Alzheimer's. They check in with residents more frequently and provide extra structure and support to help them navigate their day.
Nursing homes provide what is called custodial care, including getting in and out of bed and providing assistance with feeding, bathing, and dressing. However, nursing homes differ from other senior housing facilities in that they also provide a high level of medical care. A licensed physician supervises each patient’s care and a nurse or other medical professional is almost always on the premises.
If you are in need of both medical and personal care and have become too great to handle due to a recent hospitalization, or a chronic illness which has gradually been worsening. You need a higher level of care temporarily after a hospitalization, but it’s anticipated you will be able to return to home or another facility after a period of time then skilled nursing maybe the best option for you.
The time to move to a senior living community is different for everyone because we all have different needs. Some people will need more attention than others. You might not need round-the-clock care, but maybe you could use some assistance with some services. Or, perhaps you are just looking to live in a place where someone else handles the chores, so you have more time to pursue hobbies. Others move when they lost a companion or a friend. Others look for the social interaction with their peers.
We can help you explore the different options available to you based on your budget and needs. Talk to us today and we will guide at no cost to you.
Once you have done your research, visited the communities on your list and made the decision on where you are moving to. Now you must start getting ready to move. There’s a lot that goes into this part of the senior living journey, and we have some resources that can help make this transition easier for you and the rest of your family. Everyone knows moving day can be a little stressful and chaotic. There are boxes all over the house, last minute items to pack, and schedules to keep. But even though there are bound to be a few unexpected mishaps that pop up in the process of moving, there are a lot of things you can do in advance to make moving day less stressful. Keep reading to learn more about how you can prepare to make it through moving day without feeling overwhelmed. If you’ve made it through the community tours and the moving process, you’re probably in a new apartment surrounded by new people, new activities and new routines. You might feel like a lot (maybe even too much) has changed all at once. Rest assured that those feelings are normal, and it’s okay if it takes a little time to feel at ease. Fortunately, there are a few things you can do to make the transition to senior living easier after moving in.
Enjoy your retirement years in a place that functions like home. A place where you can choose not only to age well but to live well. A place that will not break your bank.
We believe you should have access to quality care, best amenities and services to live comfortably and affordably. That’s why we provide a wide range of options so you can choose the best plan that is best for you and your budget. You want to find an senior living community that handles all the household chores, or with a little extra help with personal grooming and managing medication, or a dementia care community where your family member has a daily opportunity to thrive, we have a variety of options at a variety of price points.
How Can I Pay for Senior Living?
If you know you want to move into a senior living community, there are probably more options for how to pay for senior care than you ever think. From personal savings and benefit programs to third-party companies. If you have enough money to pay for senior living out-of-pocket, that’s great news. But even if you do not, here are a few other options to consider.
Understanding Medicaid Coverage
Medicaid could help you pay for the quality care you need if you qualify. Typically, senior living isn't covered by Medicaid, but you may be able to use it for other health care services. We can help you to see if you qualify, for this federal assistance.
There are millions of veterans in the United States, but few of them take advantage of the government-funded benefit programs available to supplement the cost of senior care. If you or a loved one are a veteran and looking for ways to pay for senior living, you may be eligible for a few more veteran assistance programs.
Long-Term Care Insurance (LTCI)
Depending on your specific policy and your care needs, long-term care insurance can be a great resource for paying for specific types of senior living care. But not all LTCI policies are created equal, which is why it’s important to consult with your insurance provider or a financial advisor to make sure you know exactly how your policy works.
If you or your loved one has an existing life insurance policy, you may be able to convert an in force policy to a pre-funded account to help pay for senior care. This financial option is especially helpful for seniors, because all health conditions are accepted, there are no waiting periods, no care limits, no costs to apply, no requirement to be terminally ill and no premium payments or fees.
The need for senior living can be unexpected and sudden due to medical emergencies or the realization that living at home is no longer safe. Many senior financial services will provide a bridge loan to help cover the costs during the transition. Typically, the condition of the loan states that the short-term loan will need to be repaid once the funds are available, like for example, through the sale of a house.
Paying Out of Pocket
Whether you have money from investments, retirement accounts or inheritances, having private funds to cover the cost of senior living can be very helpful as you make decisions about your future. You could also consider the option of selling your home to help you fund your move to senior living.