What is Assisted Living?
A: Assisted living is a long-term care option for seniors or for individuals with disabilities. These communities typically provide individualized support with daily activities such as meal preparation, transportation, housekeeping, or medication management.
What are the differences between assisted living, nursing home and a memory care facility?
A: In an assisted living environment, residents are typically still active and vital, but need support with every day activities such as meal preparation, bathing, or transportation. A nursing home provides care to those who need 24-hour monitoring and medical assistance from a skilled team of nurses. These individuals cannot care for themselves, may have chronic illnesses or may be recovering from an injury. Memory care communities offer specialized care for those suffering from Alzheimer's disease, dementia or other conditions that result in impaired cognition. Some nursing homes and assisted living facilities include memory care units.
How does LivWell Seniors offer its services for free?
A: We are paid by the communities and providers that are part of our caring network. We do not represent any one community or provider. Rather, we represent the families in need.
Who pays for assisted living, memory care or a nursing home?
A: Typically, these services are paid for by a combination of the individual's personal savings, family members, veteran's benefits, Medicaid, or even by recouping the face value of a life insurance policy that provides for accelerated or living benefits. Our senior care professionals are on hand to help you understand all of your options to pay for care.
What types of benefits are available to elderly veterans?
A: The U.S. Department of Veteran's Affairs (VA) offers a variety of benefits to Veterans age 65 or older and their dependents. These VA benefits can be used to help pay for care.
How do I know when it's time to seek help for my aging loved one?
A: Knowing when it's time for a senior to transition from living independently to accepting outside help for daily activities can be tricky in some cases and more obvious in others. If you suspect your loved one is struggling, ask yourself these questions. Have you found spoiled food in your loved one's refrigerator? This may be a sign that he or she is having trouble cooking or traveling to the grocery store to buy fresh food. Is your loved one losing weight? Again, this may be a sign that he or she is unable to or frightened to cook or to travel alone to buy food. Have you noticed bruises on his or her body? If so, this may be a sign that he or she is struggling with balance or mobility issues. Forgetfulness, inappropriate behavior or being inappropriately dressed for the weather are more obvious signs that it is time to seek help. These may be signs of memory loss and confusion.
How long will my money last in assisted living or memory care?
A: The answer to this question varies, but in almost every case, doing your research, exploring all options to pay for care, and finding the right fit the first time for your senior will extend your dollars. Give yourself time to research elder care communities. You may find that some offer more flexibility than others in terms of care options. Our network of legal and financial professionals can help you plan and budget for long term care. If your senior loved one served in the armed forces, VA benefits may be available to help off-set the cost. In addition, if your senior has life insurance, find out if the policy offers accelerated or living benefits that can be used to pay for care.
Is there a type of insurance that pays for assisted living or memory care?
A: Yes, long-term care insurance can help pay for daily expenses not covered by Medicare or employer-based health coverage. Policy options vary, but will typically help pay for a nursing home, assisted living community, adult day care, home care, or even home modification. However, it is important to explore long-term care insurance benefits and drawbacks. You should consult with a provider early on - when your senior is younger and in good health - because that is when premiums will be at their most affordable. Other factors such as your loved one's income, savings and investments should also be considered. Our network of financial planners can help you determine the pros and cons of purchasing long-term care insurance.
How do I know what questions to ask when touring facilities?
A: Your local LivWell senior care professional can provide you with a checklist of questions to ask during your tour and there are likely questions that you will come up with on your own. We recommend that you ask for a copy of the residency agreement that outlines all of the services, fees, move-in and move-out criteria and staffing requirements. Moreover, it is extremely important that you are observant and trust your instincts when touring any elder care community. Some questions to get you started include: Are the furnishings clean? Do you notice any bad smells? Do the residents look comfortable and clean? Were you greeted warmly when you arrived? Does the staff interact professionally and greet residents by name? Does the dining room offer a varied menu and can residents make special dietary requests?
What is home care and is it affordable?
A: Home care can keep your loved one in his or her own house, while also providing the extra assistance they need. It allows your senior family member to maintain independence for as long as possible. Home care aids will visit your family member's home and can help with a wide range of services from grooming and bathing to housekeeping and meal preparation. If necessary, home health care assistance can include visits from licensed medical professionals such as nurses, and physical or occupational therapists. Your local LivWell professional can answer any questions you may have about home care and determine if it is a good option for your situation.