The Evolution of Assisted Living/Residential Care

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The Evolution of Assisted Living/Residential Care

Pioneering institutions across the country are emphasizing the “living” in assisted living/residential care facilities and focusing on personalized accommodations and services as they pursue the goal of greater client satisfaction. Common assisted living/residential care services may include such amenities as 24-hour emergency response services, three daily meals, personal care, transportation, housekeeping, and laundry services. However, an increasing number of assisted living/residential care facilities also aim to provide seniors with a living situation that caters to their active lifestyles. Adopting the motto “no two people are exactly alike,” they are offering an ever-increasing variety of choices in accommodations, activities, and personalized services.

Residential Options

Although assisted living/residential care facilities originated in private organization-based homes, today, the emergence of chain companies allows clients to choose a facility from a range of locations while being offered a consistent level of service. These facilities offer prospective residents the choice of buying or renting apartments or villas, with extra options of reserving guest suites and seasonal rentals. In addition, clients may select the type and size of accommodation—some offer spacious layouts that may include two bedrooms, two bathrooms, living room, dining room, den, and deck.

Diverse Services

Apart from the individualized choice of residence, assisted living/residential care communities are focusing on independence and freedom by offering a diverse roster of activities and services. Residents are encouraged to remain physically active through swimming, yoga, and other fitness classes, and they are also offered a range of educational programs that may include courses in computers, investing, nutrition, or bird watching. Entertainment is often provided on-site with movies, concerts, and even concierge services.

In terms of health care, many facilities offer assistance with daily activities, as required, in order to enhance independence as much as possible. The resident can choose the level of care that he or she may need, with the option of adding more services. An increasing number of institutions embrace the concept of “aging in place,” providing additional medical services as the client ages and requires. As an example, basic help with medications and dressing are common services; however, if the client discovers he or she needs more skilled and personalized attention due to a medical condition, he or she may have the option of moving to the nursing wing of the residence. Some facilities even offer medical and check-in services through “at home” assisted living/residential care.

Today’s seniors are more active and healthier than ever before. As our population ages, the need and desire for more personalized services will increase. Changes in assisted living/residential care facilities that promote an active and independent lifestyle are a positive indicator of the future of senior health care.

Copies of Choosing An Assisted Living Facility is one of a series of Since You Care guides for caregivers produced by the MetLife Mature Market Institute in cooperation with the National Alliance for Caregiving. Single copies are available free to the public.

Copyright © 2010 Liberty Publishing, Inc. All Rights Reserved.

L0910131577(exp1211)(All States)(DC)

This article appears courtesy of Karl Susman. Karl Susman is a representative of the New Engl and Life Insurance Company. He focuses on meeting the individual insurance and financial services needs of people on the West Coast. You can reach Karl at the office at (424) 785-4337. New Engl and Life Insurance Company, 501 Boylston Street, Boston, MA 02116

Assessing Long-Term Care Needs

Is it normal memory loss or Alzheimer’s disease? Is it depression or dementia? The early symptoms of cognitive changes are often subtle and far more difficult to assess than those associated with a physical illness or disability. As a result, it can be difficult to determine whether a friend or family member can live independently or whether it’s time to seek long-term care services.

Your answers to the following questions may help you assess whether your loved one can continue to live independently or whether immediate intervention is needed.

Independent Living Test1

Medications

  • Are prescriptions not being refilled, resulting in failure to take medication when scheduled?
  • Has taking medication become difficult due to poor memory or confusion? Evidence may include problems taking pills on time, different pills mixed together in a pillbox, or an oversupply or undersupply of pills.
  • Have conditions previously under control become acute because medication is not being taken correctly?

Food and Groceries

  • Based on past food habits, are the cupboards frequently empty or being filled with unusual foods?
  • Is the food in the refrigerator often spoiled or kept long beyond the “use by” date?

Daily Business

  • Is the mail being picked up and opened regularly, or does it remain uncollected and/or unopened?
  • Are credit cards or checkbooks being misused or not balanced as well as in the past?

Social Contact

  • Has the amount of social contact changed dramatically, so that there are few public outings or limited social visits with close friends?
  • Has the ability to drive deteriorated? Is there a fear of driving or a recent history of multiple minor accidents that is leading to isolation?

Living Habits

  • Has there been a change in dress or appearance or a decline in personal hygiene that is not related to physical disability? Is dress appropriate for the weather?
  • Have housekeeping habits changed so that a normally neat and orderly home is now cluttered and not cleaned regularly?
  • Are pets that were normally well cared for suddenly not being fed or cared for as they had been in the past?

Solicitations

  • Is there a sudden increase in ordering unnecessary items through mail or televised advertisements?

Calls to Family Members or Health Care Providers

  • Has there been a marked increase in panic calls to family or medical providers without apparent need?
  • Have unnecessary calls been made to 911?

According to the American Association of Homes and Services for the Aging (AAHSA), among people age 65 today, 69% will need some form of long-term care, and by 2020, 12 million older Americans will require long-term health care.2 Consider protecting yourself and your loved ones with the security that Long-Term Care Insurance coverage can provide.

1Source: Long- Term Care Partners, LLC

2Source: American Association of Homes and Services for the Aging, “Aging Services: The Facts,” www.aahsa.org (accessed February 2010).

Long-term care insurance issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166.

Like most long-term care insurance policies, MetLife policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. I’ll be glad to provide you with costs and complete details.

Copyright © 2010 Liberty Publishing, Inc. All Rights Reserved.

L0410101541(exp0411)(All States)(DC)

This article appears courtesy of Karl Susman. Karl Susman is a representative of the New Engl and Life Insurance Company. He focuses on meeting the individual insurance and financial services needs of people on the West Coast. You can reach Karl at the office at (424) 785-4337. New Engl and Life Insurance Company, 501 Boylston Street, Boston, MA 02116

This issue of the Insurance Reporter is focused upon the financial protection

A serious illness or injury can harm more than your health…it can have an impact on your ability to work and meet your family’s living expenses. Sadly overlooked, long-term disability income insurance can help you pay living expenses while you are unable to work.

Read on for some tips on purchasing long-term disability insurance, use an online long-term, review the long-term care checklist, and much more.

Don’t wait to formulate a long-term plan for you or other family members. Please contact us for a private discussion to review your next best steps.

We appreciate your continued business and look forward to serving you.

Long Term Disability Income Insurance

Financial Protection for You & Your Family

A serious illness or injury can harm more than your health-it can have an impact on your ability to work and meet your family’s living expenses.

Long-term disability income insurance helps you pay living expenses while you are unable to work.

It offers paycheck protection providing cash directly to you for spending on mortgage payments or rent, groceries, utility bills, car payments, or whatever else you choose. A policy also can pay for training or other assistance you may need to return to work.

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Tips On Purchasing

Examine how the policy defines a disability. Some policies pay benefits if you are unable to complete the duties of any occupation for which you are reasonably qualified by training, experience, and education. Others pay benefits if you are unable to perform the major duties of your own occupation. Some policies also pay benefits if you become ill or injured and are unable to earn a specified percentage of your income.

Ask for outlines of coverage so you can compare the features of several policies. Make sure you fully underst and any policy you are considering-a policy that does not provide the protection you need is not a good buy. Features to look for in a policy include:

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Disability, The Insurance That Is Often Sadly Overlooked

It took just 17 days for Cindy Wrenn to realize that her disability insurance premium was not just another drain on her checking account. One-third of American workers are likely to be disabled for an extended period, and she became one of them when she had a stroke and brain aneurysm at age 28.

Mrs. Wrenn signed up for her long-term disability insurance policy in February 2002, as a supplement to the one she had through her job as a licensed title agent. After her medical emergency, the policies paid 70 percent of her salary for the six months it took her to get back to work full time.

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Long-Term Care Planning Tool

Welcome to the Long-Term Care Planning tool. The primary goal of this tool is to help you underst and:

  • What long-term care services are available,
  • How much you can expect to pay for long-term care, and
  • What financing options are available to support your long-term care costs.

The results of the Long-Term Care Planning tool are general in nature and not intended to replace comprehensive financial and other long-term personal planning.

This tool will ask between twelve and twenty questions and will then provide you with the long-term care results you need by comparing your answers to those of individuals with similar profiles.

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Quick Links

Long-Term Care Checklist

Life Insurance & Disability Insurance Proceeds